{"id":2407,"date":"2015-04-24T23:56:25","date_gmt":"2015-04-24T14:56:25","guid":{"rendered":"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/?p=2407"},"modified":"2019-08-07T12:34:09","modified_gmt":"2019-08-07T03:34:09","slug":"p2p","status":"publish","type":"post","link":"https:\/\/moneyforward.com\/mf_blog\/20150424\/p2p\/","title":{"rendered":"\u8d85\u5927\u578b\u8abf\u9054\u304c\u7d9a\u304f\u6d77\u5916\u306e\u30bd\u30fc\u30b7\u30e3\u30eb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0"},"content":{"rendered":"<p><a href=\"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/wp-content\/uploads\/2015\/04\/fc1.png\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/wp-content\/uploads\/2015\/04\/fc1-1024x447.png\" alt=\"fc\" width=\"1024\" height=\"447\" class=\"aligncenter size-large wp-image-2420\" srcset=\"https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2015\/04\/fc1-1024x447.png 1024w, https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2015\/04\/fc1-300x131.png 300w, https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2015\/04\/fc1-304x132.png 304w, https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2015\/04\/fc1-282x123.png 282w, https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2015\/04\/fc1.png 1229w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/p>\n<p>\u4eca\u9031\u3001\u82f1\u56fd\u306e\u30bd\u30fc\u30b7\u30e3\u30eb\uff08P2P\uff09\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u4f1a\u793e\u3001Funding Circle\u306f1.5\u5104\u30c9\u30eb\uff08\u7d04180\u5104\u5186\uff09\u306e\u8cc7\u91d1\u8abf\u9054\u3092\u767a\u8868\u3057\u307e\u3057\u305f\u3002\u3053\u306e\u8abf\u9054\u306b\u3088\u308a\u3001\u540c\u793e\u306f\u7d2f\u8a08\u30672.7\u5104\u30c9\u30eb\uff08\u7d04320\u5104\u5186\uff09\u3092\u96c6\u3081\u305f\u5f62\u306b\u306a\u308a\u307e\u3059\u3002<br \/>\n<!--more--><\/p>\n<p>\u5947\u3057\u304f\u3082\u4eca\u6708\u30014\u67088\u65e5\u306b\u7c73\u56fd\u306eProsper\u306f1.65\u5104\u30c9\u30eb\uff08\u7d04200\u5104\u5186\uff09\u306e\u8cc7\u91d1\u8abf\u9054\u3092\u767a\u8868\u3057\u307e\u3057\u305f\u3002<a href=\"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/20141212\/lc\/\" target=\"_blank\">\u6628\u5e74Lending Club<\/a>\u304c\u4e0a\u5834\u6642\u306b9\u5104\u30c9\u30eb\u3092\u8abf\u9054\u3057\u305f\u3053\u3068\u3092\u76ae\u5207\u308a\u306b\u3001WorldRemit\u793e\u304c1\u5104\u30c9\u30eb\u3001<a href=\"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/20150123\/bigdatalending\/\" target=\"_blank\">Kreditech<\/a>\u304c\u8ca0\u50b5\u3092\u542b\u3081\u30662\u5104\u30c9\u30eb\u7b49\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u3067\u306f\u8d85\u5927\u578b\u306e\u8abf\u9054\u304c\u76f8\u6b21\u3044\u3067\u3044\u307e\u3059\u3002<\/p>\n<p>\u30bd\u30fc\u30b7\u30e3\u30eb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u306f\u3001\u65e5\u672c\u3067\u306f\u307e\u3060\u307e\u3060\u62e1\u5927\u9014\u4e0a\u306e\u30d3\u30b8\u30cd\u30b9\u3067\u3059\u304c\u3001\u501f\u308a\u624b\u304c\u81ea\u3089\u306e\u8cc7\u91d1\u9700\u8981\u3092\u516c\u958b\u3057\u3001\u8cb8\u3057\u624b\u3068\u306a\u308b\u500b\u5225\u306e\u6295\u8cc7\u5bb6\u304c\u305d\u308c\u3092\u541f\u5473\u3057\u3066\u6295\u8cc7\u3059\u308b\u4ed5\u7d44\u307f\u3067\u3042\u308a\u3001\u8d85\u5927\u578b\u30d9\u30f3\u30c1\u30e3\u30fc\u3092\u8868\u3059\u30e6\u30cb\u30b3\u30fc\u30f3\u30af\u30e9\u30d6\uff08\u8a55\u4fa110\u5104\u30c9\u30eb\u4ee5\u4e0a\uff09\u306eFintech\u30d9\u30f3\u30c1\u30e3\u30fc\u304c\u30012\u793e\u3082\u4eca\u6708\u306f\u8a95\u751f\u3057\u305f\u5f62\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8\u304c\u751f\u307e\u308c\u3066\u304b\u3089\u306f\u3044\u3064\u62e1\u5927\u3057\u3066\u3082\u304a\u304b\u3057\u304f\u306a\u304b\u3063\u305f\u3053\u306e\u30d3\u30b8\u30cd\u30b9\u306f\u3001\u30d3\u30c3\u30b0\u30c7\u30fc\u30bf\u306e\u5229\u7528\u3068\u3001\u6a5f\u95a2\u6295\u8cc7\u5bb6\u306e\u53c2\u5165\u3092\u53d7\u3051\u3066\u3001\u8fd1\u5e74\u3088\u3046\u3084\u304f\u5927\u898f\u6a21\u306a\u62e1\u5927\u3092\u9042\u3052\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u80cc\u666f\u306b\u306f\u3001\u91d1\u4f59\u308a\u306e\u6642\u4ee3\u3068\u8a00\u308f\u308c\u3064\u3064\u3082\u3001\u4e2d\u5c0f\u4f01\u696d\u3084\u500b\u4eba\u5411\u3051\u8cb8\u4ed8\u3067\u306f\u307e\u3060\u8cc7\u91d1\u9700\u8981\u304c\u65fa\u76db\u306b\u3042\u308b\u3053\u3068\u304c\u6319\u3052\u3089\u308c\u307e\u3059\u3002<\/p>\n<p>\u91d1\u878d\u6a5f\u95a2\u306f\u3069\u306e\u56fd\u3067\u3082\u3001\u8cb8\u51fa\u3067\u306f\u304a\u91d1\u3092\u501f\u308a\u3001\u8cb8\u3057\u4ed8\u3051\u308b\u969b\u306e\u30de\u30fc\u30b8\u30f3\u3092\u305d\u306e\u53ce\u76ca\u6e90\u3068\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u3053\u304b\u3089\u3001\u9280\u884c\u3067\u3042\u308c\u3070\u652f\u5e97\u3084\u3001\u884c\u54e1\u306e\u7d66\u4e0e\u304c\u652f\u6255\u308f\u308c\u308b\u5f62\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u305d\u306e\u9577\u671f\u7684\u306a\u30de\u30fc\u30b8\u30f3\uff08\u9810\u8cb8\u30b9\u30d7\u30ec\u30c3\u30c9\u3068\u547c\u3070\u308c\u307e\u3059\uff09\u3092\u898b\u308b\u3068\u3001<a href=\"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/wp-content\/uploads\/2015\/04\/mizuho1.png\" target=\"_blank\">\u65e5\u672c\u3067\u306f<\/a>\u4f4e\u91d1\u5229\u74b0\u5883\u3082\u3042\u3063\u3066\u3001\u3053\u306e\u6570\u5b57\u304c\u9577\u3089\u304f2%\u3092\u5207\u308b\u6c34\u6e96\u304c\u7d9a\u3044\u3066\u304d\u307e\u3057\u305f\uff08\u203b\uff11\uff09\u3002<\/p>\n<p>\u4e00\u65b9\u3067\u3001<a href=\"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/wp-content\/uploads\/2015\/04\/mizuho3.png\" target=\"_blank\">\u6b27\u7c73\u3092\u898b\u308b\u3068<\/a>\u3001\u82f1\u56fd\u3092\u4f8b\u5916\u3068\u3057\u3066\u3001\u7c73\u56fd\u3084\u30c9\u30a4\u30c4\u3001\u30d5\u30e9\u30f3\u30b9\u306a\u3069\u3067\u306f\u30014-6%\u306e\u30b9\u30d7\u30ec\u30c3\u30c9\u304c\u78ba\u4fdd\u3067\u304d\u3066\u3044\u307e\u3057\u305f\u3002<\/p>\n<p>\u501f\u308a\u624b\u304b\u3089\u3057\u305f\u3089\u3088\u308a\u9ad8\u3044\u8cb8\u4ed8\u91d1\u5229\u3001\u9810\u91d1\u8005\u5074\u304b\u3089\u3059\u308b\u3068\u5b89\u3044\u9810\u91d1\u91d1\u5229\u304c\u5b58\u5728\u3057\u3066\u3044\u305f\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u306e\u30de\u30fc\u30b8\u30f3\u306b\u5bfe\u3057\u3066\u3001\u652f\u5e97\u3092\u8a2d\u3051\u305a\u3001\u30b3\u30f3\u30d4\u30e5\u30fc\u30bf\u30fc\u304c\u81ea\u52d5\u7684\u306b\u5be9\u67fb\u3092\u884c\u3046\u30bd\u30fc\u30b7\u30e3\u30eb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u30b5\u30fc\u30d3\u30b9\u306f\u3001\u3088\u308a\u4f4e\u3044\u8cb8\u4ed8\u91d1\u5229\u3001\u3088\u308a\u9ad8\u3044\u9810\u91d1\u91d1\u5229\u3001\u3068\u3044\u3046\u4fa1\u683c\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u304c\u53ef\u80fd\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>Funding Circle\u793e\u306f<a href=\"http:\/\/techcrunch.com\/2015\/04\/22\/p2p-lending-site-funding-circle-raises-150m-led-by-dst-at-a-1b-valuation\/\" target=\"_blank\">\u7c73TechCrunch\u306b\u3088\u308b\u540c\u793e\u3078\u306e\u30a4\u30f3\u30bf\u30d3\u30e5\u30fc<\/a>\u306e\u4e2d\u3067\u3001\u540c\u793e\u304c\u9280\u884c\u3068\u306e\u7af6\u5408\u3092\u60f3\u5b9a\u3057\u3066\u3044\u308b\u3053\u3068\u3084\u3001\u540c\u793e\u306e\u8a8d\u77e5\u7387\u304c\u307e\u30605%\u3092\u5207\u308b\u6c34\u6e96\u3067\u3042\u308a\u3001\u305d\u306e\u3053\u3068\u81ea\u4f53\u304c\u30c1\u30e3\u30f3\u30b9\u3067\u3042\u308b\u3001\u3068\u8868\u660e\u3057\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u9280\u884c\u306b\u305f\u307e\u305f\u307e\u30ed\u30fc\u30f3\u3092\u65ad\u3089\u308c\u3066\u3057\u307e\u3046\u4eba\u305f\u3061\u304c\u307e\u3060\u8981\u308b\u4e2d\u3067\u3001\u540c\u3058\u3088\u3046\u306a\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u3060\u3051\u3067\u3082\u3001\u591a\u304f\u306e\u5e02\u5834\u304c\u63b4\u3081\u3066\u3044\u3051\u308b\u3082\u306e\u3001\u3068\u898b\u3066\u3044\u308b\u3088\u3046\u3067\u3059\u3002<\/p>\n<p>\u9810\u8cb8\u30b9\u30d7\u30ec\u30c3\u30c9\u304c\u76f8\u5bfe\u7684\u306b\u8584\u3044\u82f1\u56fd\u3067\u3059\u3089\u3001\u3053\u306e\u3088\u3046\u306a\u5927\u578b\u30d7\u30ec\u30fc\u30e4\u30fc\u306e\u8a95\u751f\u304c\u898b\u3089\u308c\u3066\u3044\u308b\u3053\u3068\u306b\u9451\u307f\u308b\u3068\u3001\u65e5\u672c\u3067\u3082\u540c\u69d8\u306b\u30c1\u30e3\u30f3\u30b9\u306f\u3042\u308b\u3068\u8003\u3048\u3066\u3082\u826f\u3044\u306e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p>\u203b\uff11\u3000<a href=\"http:\/\/www.mizuho-ri.co.jp\/publication\/research\/pdf\/argument\/mron1206-3.pdf\" target=\"_blank\">\u300e\u308f\u304c\u56fd\u91d1\u878d\u6a5f\u95a2\u306b\u304a\u3051\u308b\u9810\u91d1\u306e\u4f4e\u53ce\u76ca\u6027\u300f\u307f\u305a\u307b\u7dcf\u7814\u8ad6\u96c6\uff12\uff10\uff11\uff12\u5e74\u2160\u53f7<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4eca\u9031\u3001\u82f1\u56fd\u306e\u30bd\u30fc\u30b7\u30e3\u30eb\uff08P2P\uff09\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u4f1a\u793e\u3001Funding Circle\u306f1.5\u5104\u30c9\u30eb\uff08\u7d04180\u5104\u5186\uff09\u306e\u8cc7\u91d1\u8abf\u9054\u3092\u767a\u8868\u3057\u307e\u3057\u305f\u3002\u3053\u306e\u8abf\u9054\u306b\u3088\u308a\u3001\u540c\u793e\u306f\u7d2f\u8a08\u30672.7\u5104\u30c9\u30eb\uff08\u7d04320\u5104\u5186\uff09\u3092\u96c6\u3081\u305f\u5f62\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[20],"tags":[],"class_list":["post-2407","post","type-post","status-publish","format-standard","hentry","category-global"],"acf":[],"_links":{"self":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts\/2407","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/comments?post=2407"}],"version-history":[{"count":13,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts\/2407\/revisions"}],"predecessor-version":[{"id":2426,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts\/2407\/revisions\/2426"}],"wp:attachment":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/media?parent=2407"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/categories?post=2407"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/tags?post=2407"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}