P to P的商业模式：Lending Club

"Lending Club's platform has the potential to profoundly transform traditional banking over the next decade."

－ － Larry Summers, 71st Secretary of the Treasury of the United States of America;

         Lending Club Board member；前哈佛校长

金融创新的新模式，low operating cost。

Lending Club让借贷者和投资人通过网络平台，完成整个交易过程。

公司revenue 主要源于：

transaction fees;

service fees

management fees

创始人Renaud Laplanche , 法裔。