引言：Lend Academy是全球最权威的P2P研究机构，其创始人Jason Jones于10月末撰写了一篇报道，其中称“点融网带着两个好消息，一跃成为中国P2P行业的领袖”。全文报道如下：

　　苏海德是一位非常勇敢的企业家，他做成了一些很少有人尝试，而且很少有人做成的大事。他是全球最大P2P公司Lending Club的共同创始人和前技术总裁，但几年前，他却选择离开lending Club，到中国成立新的公司。最疯狂的是，他当时连中文都不会，在中国内地也几乎没有什么人脉。

　　在中国这块土地上，美国互联网企业常常摔跟斗：亚马逊和Ebay试图进入却被本土公司击败(嘿，阿里巴巴!);谷歌因为和中国政府的观念不同，选择退出了中国市场;Facebook和Twitter更是一开始就被禁止。苏海德凭什么认为他可以作为一个外国人进入中国市场成立一个新的公司?赔率显然对他不利。

　　但苏海德最终证明大家都错了。本月(注：10月份，下同)早些时候，伴随着点融网发布新鸿基战略投资和与苏州银行的合作，他成功令点融网成为了中国最成功、最年轻的互联网金融公司。

　　他是怎么做到的?

　　首先，他决定亲自去上海建立自己的业务，他要把点融网建立成为一家中国的互联网金融公司，而非一家美国的互联网公司。第二，他选择了一个合作伙伴——郭宇航。他是土生土长的中国人，并且是点融网极其出色的共同创始人。第三，他在上海和来自全国各地的人建立了整个团队。第四，他大力推崇技术，公司有50%以上的员工都是开发者和工程师。

　　本月早些时候，点融网更是发布了两个和中国最主要的金融服务公司合作的新闻，这将把点融网的业务范围和P2P先进技术延伸到全国。

　　点融网与苏州银行共建P2P平台

　　苏州银行是一家非常有前瞻意识的银行，主要服务对象为中小企业和当地的消费者。苏州银行拥有遍及江苏省的超过260个分支机构，江苏省约有4000万常住人口。和中国大多数银行的业务集中在大企业和政府的基础设施上不同，苏州银行致力于为中小企业服务发展的能力，这就是为什么P2P技术对他们来说非常重要。

　　苏州银行已经宣布，他们正在建立一个P2P部门，来为中小企业客户服务。而点融网的P2P平台，将提供技术和相关服务。这两家公司将为了贷款给当地中小企业而共同合作。

　　正如我们已经在美国看到的一样，中国的银行也已经意识到，P2P技术为小额贷款提供了一个有效的、低成本的方式，同时还伴随着卓越的用户体验。在许多方面，点融网继续沿着Lending Club的蓝图，这与Lending Club与银行的合作非常相似。

　　中国最大的财富管理公司投资点融网

　　香港新鸿基有限公司(新鸿基)已经投资点融网并与点融网建立了长期的战略合作伙伴关系。新鸿基将带着长达45年的风险管理能力和金融实业经验，和180个在香港、澳门、和内地的分支机构与点融网合作，促成“线上到线下”的O2O服务的发展，范围不仅在其目前业务地区，同时也包括整个东南亚地区。新鸿基将使用点融网的平台节省成本，更有效地扩张业务。

　　点融网正迅速成为中国P2P行业领袖

　　苏海德在中国成立的点融网真的是很了不起的。正如我前面提到的，在中国，有超过1000家的P2P平台，点融网是中国少数几家最重要的P2P公司，将主导中国市场。我们认为，点融网正准备离开狼群，成为中国在P2P领域几个真正的领袖。

　　作为一个充分的披露，我需要说明的是，我们和苏海德与点融网的团队非常亲近。点融网在纽约、旧金山、上海的所有LendIt 峰会上都发表过讲话，他们也在我赴中国参加LendIt峰会期间亲切地招待我，把我介绍给中国的媒体，我们一起走遍了中国，与主要的互联网金融公司交流会面。我有机会亲眼看到苏海德是如何把重大创新引入中国金融业，最终使全中国的中小企业和消费者受益。希望我们的苏海德和点融网好运、成功!

　　关于Lend Academy：

　　Lend Academy专注于P2P领域，是全球最权威的P2P研究机构，并为在线贷款市场提供贷款投资和媒体服务。Lend Academy以把世界各地的优质借款人、企业和投资者联系在一起为使命，旗下有lendacademy.com网站，LendIt峰会和LendAcademy基金。

　　您可以点击http://www.lendacademy.com/dianrong-two-major-announcements/#rd登陆Lend Academy网站查看本文原文，在网站上您还可以读到更多国际前沿的P2P资讯。

　　关于Jason Jones：

　　Jason是美国最大P2P研究机构Lend Academy的创始人，也是全球顶级P2P网贷峰会LendIt的创始人。今年五月，在2014LendIt峰会举办前夕，他公布了一份历时九个月完成的“中国最重要的P2P公司”的名单，在这份名单里，点融网等八家中国P2P公司上榜，点融网位列榜首。

　　Lend Academy网站英文原文如下：

　　Dianrong.com Enters the Big Leagues with Two Major Announcements

　　Soul Htite (seated in the center in the above photo) is a very brave entrepreneur that has done something remarkable that very few people have ever attempted and even fewer have succeeded. Soul is the co-founder and former Head of Technology at Lending Club. A few years ago, he chose to walk away from Lending Club to launch a new business. The crazy thing is that he chose to launch his business inside of China without knowing how to speak the language and with only a small handful of connections on the mainland.

　　China is the place where US Internet companies fail. Amazon and eBay tried to enter only to pull out after being outmaneuvered by local companies (hello Alibaba), Google ran into differences with the Chinese government and chose to exit, and Facebook and Twitter were banned pretty much right from the start. So what was Soul thinking he could accomplish as a foreigner entering China to launch a new Internet Finance company? The odds certainly seemed stacked against him.

　　Soul has proven everyone wrong and with the two announcements earlier this month, he has elevated his company, Dianrong.com, to a new level as one of the most successful young Internet Finance companies in all of China. So how did he do it?

　　First of all, he made the decision to personally move to Shanghai and build his business organically from within China, making this a Chinese Internet Finance company not a US Internet company. Second, he took on a co-founder, Kevin Guo, who is native to China and has been a great co-founding partner. Third, he built his entire team in Shanghai with people from around the country. Fourth, he embraced technology with greater than 50% of his employees working as developers and engineers. To cap it off, earlier this month Dianrong.com announced two major partnerships with leading Chinese financial services companies that will transform his business and distribute his P2P technology throughout China.

　　Bank of Suzhou Partners with Dianrong.com to Launch A P2P Bank

　　The Bank of Suzhou is a forward thinking bank that serves mid-sized and small businesses and local consumers. The bank has over 260 branches throughout Jiang Su province, which has about 40 million residents. Unlike most Chinese banks that are focused on large businesses and government infrastructure, the Bank of Suzhou is committed to developing capabilities to serve small businesses, which is why P2P technology is important to them.

　　The Bank of Suzhou has announced that they are setting up a P2P division to serve its small business customers. Dianrong.com will build the P2P platform, provide the technology and related services, and the two companies will jointly operate the P2P platform in order to lend to local small businesses.

　　Just like we have begun to see in the US, this Chinese banks have realized that P2P technology provides an efficient and low cost way to underwrite smaller sized loans while also providing a superior user experience. In many ways, Dianrong.com continues to follow the Lending Club blueprint and this deal looks very similar to Lending Club’s Union Bank deal.

　　One of the largest Chinese Wealth Management Firms Invests In Dianrong.com

　　It was also announced the Sun Hung Kai & Co. Limited (“SHK”) has invested in and has established a long term strategic partnership with Dianrong.com. SHK will combine its 45 years of experience, its expertise as one of the largest lenders in China, and its 180 locations across Hong Kong, Macau, and Mainland China with Dianrong.com’s P2P technology to facilitate “online-to-offline” (O2O) transactions in the regions it currently serves as well as in additional regions across Southeast Asia. SHK plans to use Dianrong.com’s platform to cost effectively expand their business.

　　Dianrong.com is Quickly Establishing Itself as a Leader in the P2P Industry in China

　　What Soul has accomplished in China is truly remarkable. As I have mentioned in the past, in a country that has over 1,000 P2P platforms, Dianrong.com is one of only a handful of truly important Chinese P2P companies that are poised to dominate the Chinese market. We think that Dianrong.com is poised to pull away from the pack and emerge as one of the few true leaders in the P2P sector in China.

　　As a matter of full disclosure, I should mention that we are very close with Soul and the Dianrong.com team. Not only has Dianrong.com spoken at all three LendIt conferences to date in NY, SF and Shanghai, but they also graciously hosted me during my LendIt China trip, introduced me to the Chinese media, and we traveled throughout the country meeting with leading Internet and Finance companies. I had a chance to see firsthand what Soul has built and how they are introducing major innovation to the financial services sector in China that is ultimately benefitting small businesses and consumers throughout China. We wish Soul and Dianrong.com the best of luck and continued success!