P to P的商業模式：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；前哈佛校長

金融創新的新模式，low operating cost。
Lending Club讓借貸者和投資人通過網絡平台，完成整個交易過程。

公司revenue 主要源於：
transaction fees;
service fees
management fees

創始人Renaud Laplanche , 法裔。