{"id":2068,"date":"2016-03-17T14:00:13","date_gmt":"2016-03-17T21:00:13","guid":{"rendered":"https:\/\/scrum.vc\/?p=2068"},"modified":"2021-08-10T18:54:17","modified_gmt":"2021-08-11T01:54:17","slug":"social-lending","status":"publish","type":"post","link":"https:\/\/scrum.vc\/ja\/2016\/03\/17\/social-lending\/","title":{"rendered":"\u30b7\u30a7\u30a2\u30ea\u30f3\u30b0\u30a8\u30b3\u30ce\u30df\u30fc\uff06Fintech\u306e\u30bd\u30fc\u30b7\u30e3\u30eb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u306f\u65e5\u672c\u3067\u3082\u666e\u53ca\u3059\u308b\u304b\uff1f"},"content":{"rendered":"<blockquote>\n<pre><span style=\"color: #333333;\">\u3053\u306e\u8a18\u4e8b\u306fTMI\u7dcf\u5408\u6cd5\u5f8b\u4e8b\u52d9\u6240\u6240\u5c5e\u306e\u5f01\u8b77\u58eb3\u540d\uff08\u6ce2\u591a\u6c5f\u6c0f\u3001\u7af9\u5185\u6c0f\u3001\u5c0f\u5ddd\u6c0f\uff09\u304c\u904b\u55b6\u3059\u308b\u30b5\u30a4\u30c8 <a href=\"http:\/\/www.bizlawinfo.jp\/\" target=\"_blank\" rel=\"noopener noreferrer\">BizLawInfo.JP<\/a> \u306e\u8a18\u4e8b\u3092\u52a0\u7b46\u4fee\u6b63\u306e\u4e0a\u3001\u8ee2\u8f09\u3057\u305f\u3082\u306e\u3067\u3059\u3002\u6ce2\u591a\u6c5f\u6c0f\u3001\u7af9\u5185\u6c0f\u3001\u5c0f\u5ddd\u6c0f\u306e3\u540d\u306f\u3001\u65e5\u672c\u3068\u30b7\u30ea\u30b3\u30f3\u30d0\u30ec\u30fc\u306b\u5206\u304b\u308c\u3001\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u3001\u6295\u8cc7\u3001M&amp;A\u3001\u500b\u4eba\u60c5\u5831\u3001\u77e5\u8ca1\u7b49\u3001\u5e45\u5e83\u3044\u5206\u91ce\u3067\u5148\u7aef\u306e\u6cd5\u5f8b\u5b9f\u52d9\u306b\u5f93\u4e8b\u3057\u3066\u3044\u307e\u3059\u3002<a href=\"http:\/\/www.bizlawinfo.jp\/\" target=\"_blank\" rel=\"noopener noreferrer\">BizLawInfo.JP<\/a> \u3067\u306f\u3001\u65e5\u672c\u3068\u30b7\u30ea\u30b3\u30f3\u30d0\u30ec\u30fc\u306eStartup\u306e\u5b9f\u52d9\u3084\u65e5\u672c\u4f01\u696d\u306e\u6d77\u5916\u9032\u51fa\u3092\u53d6\u308a\u5dfb\u304f\u74b0\u5883\u306b\u95a2\u3059\u308b\u6cd5\u5f8b\u554f\u984c\u306a\u3069\u306b\u3064\u3044\u3066\u3001\u7a4d\u6975\u7684\u306b\u60c5\u5831\u3092\u767a\u4fe1\u3057\u3066\u3044\u307e\u3059\u3002\r\n<\/span><\/pre>\n<\/blockquote>\n<hr \/>\n<p>\u30b7\u30a7\u30a2\u30ea\u30f3\u30b0\u30fb\u30a8\u30b3\u30ce\u30df\u30fc\u306e\u57fa\u672c\u30b3\u30f3\u30bb\u30d7\u30c8\u306f\u3001<strong>\u300c\u3044\u307e\u4f7f\u3063\u3066\u306a\u3044\u3082\u306e\u304c\u3042\u3063\u3066\u3001\u5fc5\u8981\u3068\u3057\u3066\u3044\u308b\u4eba\u304c\u3044\u308b\u306a\u3089\u3001\u4f7f\u308f\u305b\u3066\u3042\u3052\u305f\u3089win-win\u3058\u3083\u3093\u300d<\/strong>\u3068\u3044\u3046\u3068\u3053\u308d\u306b\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u8003\u3048\u65b9\u3063\u3066\u3001\u30a2\u30ec\u306b\u3068\u3066\u3082\u89aa\u548c\u6027\u304c\u3042\u308b\u3068\u601d\u3044\u307e\u305b\u3093\u304b\uff1f\u305d\u3046\u3067\u3059\u3001\u304a\u91d1\u306e\u30cb\u30fc\u30ba\u3067\u3059\u3002\u304a\u91d1\u306e\u30b7\u30a7\u30a2\u30ea\u30f3\u30b0\u30fb\u30a8\u30b3\u30ce\u30df\u30fc\u306e\u3053\u3068\u3092\u3001\u300c\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u300d\u306a\u3093\u3066\u547c\u3093\u3060\u308a\u3082\u3057\u307e\u3059\u3002<\/p>\n<h1>\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u3092\u7c21\u5358\u306b\u8aac\u660e\u3059\u308b\u3068<\/h1>\n<p>\u4f8b\u3048\u3070\uff21\u541b\u304c\u3001\u3069\u3046\u3057\u3066\u3082Apple Watch\u304c\u6b32\u3057\u3044\u3068\u3057\u307e\u3057\u3087\u3046\u3002\u3067\u3082\u624b\u6301\u3061\u306e\u304a\u91d1\u304c\u4e4f\u3057\u3044\u3002\u305d\u3093\u306a\u6642\u306b\u306f\u9280\u884c\u3084\u30ce\u30f3\u30d0\u30f3\u30af\u306b\u304a\u91d1\u3092\u501f\u308a\u308b\u306e\u304c\u3053\u308c\u307e\u3067\u306e\u57fa\u672c\u7684\u306a\u59ff\u3067\u3057\u305f\u3002\u3082\u3061\u308d\u3093\u5bb6\u65cf\u3084\u304a\u53cb\u9054\u306b\u501f\u308a\u3066Apple Watch\u3092\u8cb7\u3063\u3066\u3082\u69cb\u3044\u307e\u305b\u3093\u3002<\/p>\n<p>\u3067\u306f\u3001\u30b7\u30a7\u30a2\u30ea\u30f3\u30b0\u30fb\u30a8\u30b3\u30ce\u30df\u30fc\u306e\u8003\u3048\u65b9\u3092\u5bfe\u5fdc\u3055\u305b\u308b\u3068\u3069\u3046\u306a\u308b\u3067\u3057\u3087\u3046\u304b\u3002\u4f8b\u3048\u3070\uff22\u3061\u3083\u3093\u304c\u307e\u3068\u307e\u3063\u305f\u304a\u91d1\u3092\u6301\u3063\u3066\u3044\u308b\u3068\u3057\u307e\u3059\uff08\u4f8b\u3048\u3070100\u4e07\u5186\uff09\u3002<\/p>\n<p>\uff22\u3061\u3083\u3093\u306f\u3001\u305d\u306e100\u4e07\u5186\u3092\u9280\u884c\u306b\u8caf\u91d1\u3057\u3066\u3082\u3044\u3044\u3067\u3059\u3057\u3001\u682a\u3092\u8cb7\u3063\u3066\u3082\u3044\u3044\u3067\u3057\u3087\u3046\u3002\u305d\u306e\u307b\u304b\u306b\u300c\u304a\u91d1\u3092\u501f\u308a\u305f\u3044\u3068\u601d\u3063\u3066\u3044\u308b\u4eba\u306b\u8cb8\u3057\u3066\u3042\u3052\u308b\u300d\u3068\u3044\u3046\u30aa\u30d7\u30b7\u30e7\u30f3\u304c\u5165\u3063\u3066\u304f\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\uff22\u3061\u3083\u3093\u304c\uff21\u304f\u3093\u3092\u77e5\u3063\u3066\u3044\u308b\u5834\u5408\u3001<\/p>\n<p>\uff21\u300c\u304a\u91d1\u3092\u501f\u308a\u305f\u3044\u306a\u301c\u3001\u6765\u6708\u306e\u7d66\u6599\u65e5\u304b\u3089\u30015\u56de\u304f\u3089\u3044\u306b\u5206\u3051\u3066\u8fd4\u3057\u305f\u3044\u3093\u3060\u3051\u3069\u300d<br \/>\n\uff22\u300c\u3044\u3044\u308f\u3088\u3001\u3058\u3083\u3042100\u4e07\u5186\u8cb8\u3057\u3066\u3042\u3052\u308b\u3002\u6765\u670825\u65e5\u304b\u30895\u56de\u306b\u5206\u3051\u3066\u3001\u5229\u606f\u3092\u542b\u3081\u30661\u56de\u3042\u305f\u308a21\u4e07\u5186\u3067\u3069\u3046\uff1f\u300d<br \/>\n\uff21\u300c\u305d\u308c\u306f\u5b09\u3057\u3044\u306a\uff01\u3067\u3082\u3053\u306e\u30de\u30a4\u30ca\u30b9\u91d1\u5229\u6642\u4ee3\u306b\u3001\u91d1\u52295\uff05\u3063\u3066\u3059\u3093\u3054\u3044\u9ad8\u3044\u6c17\u304c\u3059\u308b\u3088\u2026\u300d<br \/>\n\uff22\u300c\u3046\u308b\u3055\u3044\u308f\u306d\u3001\u3058\u3083\u3042\u4ed5\u65b9\u306a\u3044\u30011\u56de\u3042\u305f\u308a\u306e\u5f01\u6e08\u984d\u309220\u4e075000\u5186\u306b\u3057\u3066\u3042\u3052\u308b\u308f\u3088\u300d<br \/>\n\uff21\u300c\u307b\u3093\u3068\u306b\uff01\u305d\u308c\u306a\u3089\u91d1\u52292.5%\u3060\u3057\u501f\u308a\u308b\u3088\uff01\u3042\u308a\u304c\u3068\u3046\uff01\u300d<\/p>\n<p>\u3068\u3044\u3046\u8a71\u3067\u3042\u308c\u3070\u3001\u300c\u77e5\u4eba\u3078\u306e\u304a\u91d1\u306e\u63d0\u4f9b\u300d\u3067\u3059\u304b\u3089\u3001\u3053\u308c\u307e\u3067\u3082\u3042\u308a\u5f97\u307e\u3057\u305f\u3002\u91d1\u5229\u304c2.5%\u3068\u3044\u3046\u306e\u304c\u9ad8\u3044\u304b\u5b89\u3044\u304b\u306f\u307e\u3041\u3055\u3066\u304a\u3044\u3066\u3001\u7279\u306b\u76ee\u65b0\u3057\u3044\u6c17\u306f\u3057\u306a\u3044\u3067\u3059\u3088\u306d\u3002<\/p>\n<p>\u3057\u304b\u3057\u3001<\/p>\n<p>\uff22\u300c\u5c11\u3057\u304a\u91d1\u3092\u904b\u7528\u306b\u56de\u305b\u308b\u308f\u306d\u3002\u30cd\u30c3\u30c8\u4e0a\u3067\u304a\u91d1\u304c\u5fc5\u8981\u306a\u4eba\u3092\u63a2\u3057\u3066\u307f\u3066\u3001\u4fe1\u7528\u3067\u304d\u305d\u3046\u306a\u3089\u8cb8\u3057\u3066\u307f\u3088\u3046\u304b\u306a\u300d<\/p>\n<p>\u3068\u3044\u3046\u30e2\u30c7\u30eb\u306b\u306a\u308b\u3068\u3069\u3046\u3067\u3057\u3087\u3046\u304b\u3002\u3053\u308c\u304c\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u3067\u3059\u3002<\/p>\n<h1>\u7c73\u56fd\u306e\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0 Lending Club \u306e\u4ed5\u7d44\u307f<\/h1>\n<p>\u30a2\u30e1\u30ea\u30ab\u3067\u306f\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u306f\u3069\u3093\u3069\u3093\u666e\u53ca\u3057\u3066\u3044\u307e\u3059\u3002\u4ee3\u8868\u7684\u306a\u306e\u306f\u30b5\u30f3\u30d5\u30e9\u30f3\u30b7\u30b9\u30b3\u30fb\u30d9\u30fc\u30b9\u306e<a href=\"https:\/\/www.lendingclub.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Lending Club<\/a>\u3002<\/p>\n<p><a href=\"https:\/\/scrum.vc\/wp2015\/wp-content\/uploads\/2016\/03\/lending-club.png\"><img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"571\" class=\"alignnone size-large wp-image-2074\" src=\"https:\/\/scrum.vc\/wp2015\/wp-content\/uploads\/2016\/03\/lending-club-700x571.png\" alt=\"lending club\" srcset=\"https:\/\/scrum.vc\/ja\/wp-content\/uploads\/2016\/03\/lending-club-700x571.png 700w, https:\/\/scrum.vc\/ja\/wp-content\/uploads\/2016\/03\/lending-club-768x626.png 768w, https:\/\/scrum.vc\/ja\/wp-content\/uploads\/2016\/03\/lending-club-250x204.png 250w, https:\/\/scrum.vc\/ja\/wp-content\/uploads\/2016\/03\/lending-club-120x98.png 120w, https:\/\/scrum.vc\/ja\/wp-content\/uploads\/2016\/03\/lending-club.png 971w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/a><\/p>\n<p>Lending Club\u3067\u306f\u4e0a\u9650$35K\uff08\u73fe\u5728\u306e\u30ec\u30fc\u30c8\u3067400\u4e07\u5186\u304f\u3089\u3044\uff09\u306e\u501f\u91d1\u3092\u7533\u3057\u8fbc\u3080\u3068\u3001Lending Club\u5074\u3067\u5f53\u8a72\u30ed\u30fc\u30f3\u306e\u30ea\u30b9\u30af\u8a55\u4fa1\uff08A\u301cC\uff09\u3092\u884c\u3044\u3001\u5229\u7387\u3068\u6708\u984d\u306e\u5f01\u6e08\u91d1\u984d\u3092\u7b97\u51fa\u3057\u307e\u3059\u3002\u3082\u3061\u308d\u3093\u8ab0\u3082\u304c\u501f\u91d1\u306b\u6210\u529f\u3059\u308b\u308f\u3051\u3067\u306f\u306a\u304f\u3001\u7533\u8fbc\u307f\u306b\u5bfe\u3057\u5b9f\u969b\u30ed\u30fc\u30f3\u304c\u4ed8\u304f\u78ba\u7387\u306f10%\u304f\u3089\u3044\u3068\u306e\u3053\u3068\u3002<\/p>\n<p>\u6295\u8cc7\u5bb6\uff08\u8cb8\u3057\u624b\uff09\u306f\u540c\u793e\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u4e0a\u3067\u540c\u793e\u304c\u7b97\u5b9a\u3057\u305f\u30ea\u30b9\u30af\u3092\u5ff5\u982d\u306b\u3001\u8cb8\u4ed8\u5148\u3092\u9078\u3076\u306a\u3069\u3057\u3066\u304a\u91d1\u3092\u8cb8\u3057\u4ed8\u3051\u308b\u3068\u3044\u3046\u4ed5\u7d44\u307f\u3067\u3059\u3002401k\u306e\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u5148\u3068\u3057\u3066\u8a8d\u3081\u3089\u308c\u3066\u3044\u308b\u305f\u3081\u9000\u8077\u7a4d\u7acb\u91d1\u3092\u3053\u3061\u3089\u3067\u904b\u7528\u7d99\u7d9a\u3059\u308b\u65b9\u304c\u5897\u3048\u3066\u3044\u308b\u69d8\u5b50\u3067\u30012015\u5e74\u672b\u6642\u70b9\u3067\u8cb8\u4ed8\u5b9f\u7e3e\u7dcf\u984d\u306f$15.9B\u30021\u5146\u5186\u3092\u8d85\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3061\u306a\u307f\u306b\u30ea\u30fc\u30ac\u30eb\u9762\u3067\u898b\u308b\u3068\u3001\u300c\u30dc\u30ed\u30ef\u30fc\uff08\u501f\u308a\u624b\uff09\u304c\u50b5\u52d9\u4e0d\u5c65\u884c\u306b\u306a\u308b\u3053\u3068\u306f\u3042\u308b\u3068\u601d\u3046\u3051\u3069\u3001\u30ec\u30f3\u30c0\u30fc\uff08\u8cb8\u3057\u624b\uff09\u306fLending Club\u306b\u4f55\u304b\u6587\u53e5\u304c\u8a00\u3048\u308b\u306e\u304b\u306a\u3042\u300d\u3068\u3044\u3046\u3068\u3053\u308d\u304c\u6c17\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>Lending Club\u304c\u516c\u958b\u3057\u3066\u3044\u308b\u30ec\u30f3\u30c0\u30fc\uff08\u8cb8\u3057\u624b\uff09\u3068\u306e\u5951\u7d04\u66f8\u306b\u3088\u308b\u3068\u3001\u540c\u793e\u306f\u300c\u3042\u304f\u307e\u3067\u8cc7\u91d1\u30cb\u30fc\u30ba\u3068\u4f59\u5270\u8cc7\u91d1\u3092\u30de\u30c3\u30c1\u30f3\u30b0\u3057\u3066\u3044\u308b\u3060\u3051\u3067\u3042\u308a\u3001\u3042\u308a\u3068\u3042\u3089\u3086\u308b\u4fdd\u8a3c\u306f\u5b58\u5728\u3057\u307e\u305b\u3093\u3088\u3001\u30dc\u30ed\u30ef\u30fc\uff08\u501f\u308a\u624b\uff09\u306e\u30c7\u30d5\u30a9\u30eb\u30c8\uff08\u50b5\u52d9\u4e0d\u5c65\u884c\uff09\u30ea\u30b9\u30af\u306f\u30ec\u30f3\u30c0\u30fc\u304c\u8ca0\u3046\u3093\u3060\u304b\u3089\u306d\u3001\u3046\u3061\u306f\u95a2\u4fc2\u306a\u3044\u3093\u3060\u304b\u3089\u306d\u300d\u3068\u3044\u3046\u3053\u3068\u304c\u3082\u306e\u3059\u3054\u304f\u5f37\u8abf\u3057\u3066\u66f8\u3044\u3066\u3042\u308a\u307e\u3059\u3002\u305d\u308a\u3083\u305d\u3046\u3067\u3059\u306d\u3001\u305d\u3046\u3057\u306a\u3044\u3068\u3053\u306e\u30d3\u30b8\u30cd\u30b9\u306f\u6210\u308a\u7acb\u3061\u307e\u305b\u3093\u3002<\/p>\n<h1>\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u306f\u65e5\u672c\u3067\u3082\u666e\u53ca\u3059\u308b\u304b\uff1f<\/h1>\n<p>\u3068\u306a\u308b\u3068\u3001\u65e5\u672c\u3067\u306f\u3069\u3046\u306a\u306e\u304b\u306d\u3001\u3068\u3044\u3046\u3053\u3068\u304c\u6c17\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u305d\u3082\u305d\u3082\u65e5\u672c\u3067\u306f\u52dd\u624b\u306b\u500b\u4eba\u9593\u306e\u304a\u91d1\u306e\u8cb8\u3057\u501f\u308a\u3092\u30de\u30c3\u30c1\u30f3\u30b0\u3059\u308b\u3053\u3068\u306f\u3067\u304d\u307e\u305b\u3093\u3002\u305d\u308c\u304c\u3001\u3044\u308f\u3086\u308b\u8cb8\u91d1\u696d\u6cd5\u306e\u898f\u5236\u3067\u3059\u3002\u307e\u305a\u3001\u8cb8\u91d1\u696d\u6cd52\u67611\u9805\u306b\u3044\u3046\u300c\u8cb8\u91d1\u696d\u300d\u306e\u5b9a\u7fa9\u3092\u898b\u3066\u307f\u307e\u3057\u3087\u3046\u3002\u8cb8\u91d1\u696d\u3068\u306f\u4ee5\u4e0b\u306e\u3088\u3046\u306b\u5b9a\u7fa9\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<blockquote>\n<pre>\u91d1\u92ad\u306e\u8cb8\u4ed8\u3051\u53c8\u306f\u91d1\u92ad\u306e\u8cb8\u501f\u306e\u5a92\u4ecb\uff08\u624b\u5f62\u306e\u5272\u5f15\u3001\u58f2\u6e21\u62c5\u4fdd\u305d\u306e\u4ed6\u3053\u308c\u3089\u306b\u985e\u3059\u308b\u65b9\u6cd5\u306b\u3088\u3064\u3066\u3059\u308b\u91d1\u92ad\u306e\u4ea4\u4ed8\u53c8\u306f\u5f53\u8a72\u65b9\u6cd5\u306b\u3088\u3064\u3066\u3059\u308b\u91d1\u92ad\u306e\u6388\u53d7\u306e\u5a92\u4ecb\u3092\u542b\u3080\u3002\u4ee5\u4e0b\u3053\u308c\u3089\u3092\u7dcf\u79f0\u3057\u3066\u5358\u306b\u300c\u8cb8\u4ed8\u3051\u300d\u3068\u3044\u3046\u3002\uff09\u3067\u696d\u3068\u3057\u3066\u884c\u3046\u3082\u306e<\/pre>\n<\/blockquote>\n<p>\u3064\u307e\u308a\u3001<br \/>\n1. \u304a\u91d1\u3092\u8cb8\u3059\u3053\u3068\u3092\u696d\u3068\u3057\u3066\u884c\u3046\u30e2\u30ce<br \/>\n2. \u304a\u91d1\u306e\u8cb8\u3057\u501f\u308a\u306e\u30de\u30c3\u30c1\u30f3\u30b0\u3092\u696d\u3068\u3057\u3066\u884c\u3046\u30e2\u30ce<br \/>\n\u306f\u8cb8\u91d1\u696d\u306b\u5f53\u305f\u308b\u306e\u3067\u3059\u3002\u3067\u3059\u304b\u3089\u3001Lending Club\u306e\u3088\u3046\u306a\u30d3\u30b8\u30cd\u30b9\u306f\u65e5\u672c\u3067\u306f\u7c21\u5358\u306b\u306f\u3067\u304d\u307e\u305b\u3093\u30022 \u306b\u306a\u3063\u3066\u3057\u307e\u3046\u304b\u3082\u3057\u308c\u306a\u3044\u304b\u3089\u3067\u3059\u3002<\/p>\n<p>Lending Club\u306f\u9593\u9055\u3044\u306a\u304f\u300c\u91d1\u92ad\u306e\u8cb8\u501f\u306e\u5a92\u4ecb\u300d\u3067\u306f\u3042\u308a\u307e\u3059\u304b\u3089\u3001\u554f\u984c\u306f\u305d\u308c\u304c\u300c\u696d\u3068\u3057\u3066\u300d\u884c\u308f\u308c\u3066\u3044\u308b\u304b\u3069\u3046\u304b\uff1f\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u300c\u696d\u3068\u3057\u3066\u300d\u3068\u306f\u300c\u53cd\u5fa9\u3057\u3066\u793e\u4f1a\u901a\u5ff5\u4e0a\u4e8b\u696d\u306e\u9042\u884c\u3068\u307f\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u7a0b\u5ea6\u306e\u3082\u306e\u300d\u3067\u3042\u308b\u3068\u8a00\u308f\u308c\u3066\u3044\u307e\u3059\uff08\u306a\u304b\u306a\u304b\u5206\u304b\u308a\u306b\u304f\u3044\u3067\u3059\u3088\u306d\u3002\u305d\u308c\u306a\u306e\u306b\u9055\u53cd\u3057 \u305f\u5834\u5408\u306b\u306f\u7f70\u5247\u3082\u3042\u308a\u307e\u3059\u304b\u3089\u3001\u306a\u304b\u306a\u304b\u5384\u4ecb\u306a\u30b7\u30ed\u30e2\u30ce\u306a\u306e\u3067\u3059\u3002\u4f59\u8ac7\u3067\u3059\u304c\u3001 \u3053\u306e\u8ad6\u70b9\u306f\u3001\u4f8b\u3048\u3070\u89aa\u5b50\u30fb\u5144\u5f1f\u4f1a\u793e\u9593\u306e\u8cc7\u91d1\u878d\u901a\u3001\u4fe1\u7528\u53d6\u5f15\u3001Convertible Note\u3067\u306e\u51fa\u8cc7\u306a\u3069\u3067\u3082\u3057\u3087\u3063\u3061\u3085\u3046\u691c\u8a0e\u8ab2\u984c\u306b\u4e0a\u304c\u308a\u3001\u3057\u3087\u3063\u3061\u3085\u3046\u6cd5\u5f8b\u5b9f\u52d9\u5bb6\u3092\u60a9\u307e\u305b \u3066\u3044\u307e\u3059\uff09\u3002<\/p>\n<p>\uff22\u3061\u3083\u3093\u304c\uff21\u304f\u3093\u306b\u8cb8\u3059\u3053\u3068\u306b\u306a\u3063\u305f\u306e\u306f\u305f\u307e\u305f\u307e\u30671\u56de\u3060\u3051\u3067\u3042\u308c\u3070\u3001\uff22\u3061\u3083\u3093\u306e\u884c\u70ba\u306f\u8cb8\u91d1\u696d\u6cd5\u9055\u53cd\u306b\u306a\u3089\u306a\u3044\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u304c\u3001\u307e\u305f\u304a\u91d1\u306b\u4f59\u88d5\u304c\u3042\u308b\u3068\u304d\u306b\u4ed6\u8005\u306b\u7d99\u7d9a\u7684\u306b\u304a\u91d1\u3092\u8cb8\u3057\u4ed8\u3051\u3066\u3044\u3053\u3046\u3068\u3059\u308b\u306e\u3067\u3042\u308c\u3070\u3001\u305d\u308c\u306f\u304a\u305d\u3089\u304f\u300c\u696d\u3068\u3057\u3066\u300d\u3067\u3042\u308a\u8cb8\u91d1\u696d\u3067\u3059\u3002<\/p>\n<p>\u3068\u3044\u3046\u308f\u3051\u3067\u3001Lending Club\u30b8\u30e3\u30d1\u30f3\u3092\u4f5c\u308a\u305f\u3044\u3068\u304d\u306f\u3001\u307e\u305aLending Club\u304c\u8cb8\u91d1\u696d\u306e\u767b\u9332\u3092\u3059\u308b\u3053\u3068\u304c\u5fc5\u8981\u306b\u306a\u308a\u307e\u3059\u3057\u3001\u8cb8\u3057\u624b\u3055\u3093\u81ea\u4f53\u3082\u304a\u305d\u3089\u304f\u8cb8\u91d1\u696d\u306e\u767b\u9332\u3092\u53d7\u3051\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>Lending Club\u304c\u8cb8\u91d1\u696d\u306e\u767b\u9332\u3092\u3059\u308b\u3053\u3068\u306f\u3067\u304d\u308b\u3068\u601d\u3044\u307e\u3059\u304c\u3001\u8cb8\u3057\u624b\u306b\u30a4\u30c1\u30a4\u30c1\u8cb8\u91d1\u696d\u306e\u767b\u9332\u3092\u6c42\u3081\u308b\u306e\u306f\u73fe\u5b9f\u7684\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3067\u3059\u306e\u3067\u3001\u7d50\u8ad6\u3068\u3057\u3066\u306f\u3001\u5168\u304f\u540c\u3058\u3088\u3046\u306a\u30e2\u30c7\u30eb\u3092\u8ffd\u6c42\u3059\u308b\u306e\u306f\u96e3\u3057\u305d\u3046\u3067\u3059\u3002<\/p>\n<h1>\u65e5\u672c\u3067\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u3092\u5b9f\u73fe\u3059\u308b\u65b9\u6cd5<\/h1>\n<p>\u3067\u306f\u4f3c\u305f\u3088\u3046\u306a\u30e2\u30c7\u30eb\u3082\u7121\u7406\u304b\u3068\u3044\u3046\u3068\u305d\u3093\u306a\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u307e\u305a\u3001\u8cb8\u3057\u624b\u306e\u65b9\u304b\u3089\u306e\u8cc7\u91d1\u63d0\u4f9b\u3092\u8cb8\u4ed8\u3068\u3057\u3066\u3067\u306f\u306a\u304f\u3001\u51fa\u8cc7\u3068\u3059\u308b\u65b9\u6cd5\u304c\u3042\u308a\u5f97\u307e\u3059\u3002\u3053\u306e\u5834\u5408\u3001\u8cb8\u3057\u624b\u306e\u304a\u91d1\u306f\u30d5\u30a1\u30f3\u30c9\u3078\u306e\u51fa\u8cc7\u3067\u3042\u308a\u3001\u501f\u308a\u624b\u3078\u306e\u878d\u8cc7\u306f\uff08\u8cb8\u91d1\u696d\u767b\u9332\u3092\u3057\u305f\uff09\u30d5\u30a1\u30f3\u30c9\u304b\u3089\u306e\u8cb8\u4ed8\u3068\u3057\u3066\u6574\u7406\u3055\u308c\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u5834\u5408\u3067\u3082\u30d5\u30a1\u30f3\u30c9\u904b\u7528\u8005\u3067\u3042\u308b\u30de\u30fc\u30b1\u30c3\u30c8\u30d7\u30ec\u30a4\u30b9\u904b\u7528\u8005\u304c\u7121\u898f\u5236\u306b\u306a\u308b\u308f\u3051\u3067\u306f\u306a\u304f\u3001\u4eca\u5ea6\u306f\u91d1\u878d\u5546\u54c1\u53d6\u5f15\u6cd5\u4e0a\u306e\u767b\u9332\u304c\u5fc5\u8981\u306b\u306a\u308a\u307e\u3059\u3002\u3067\u3059\u304c\u3001\u8cb8\u3057\u624b\u306e\u65b9\u3005\u306b\u30a4\u30c1\u30a4\u30c1\u8cb8\u91d1\u696d\u306e\u767b\u9332\u3092\u6c42\u3081\u308b\u3088\u3046\u306a\u3053\u3068\u306b\u306f\u306a\u308a\u307e\u305b\u3093\u306e\u3067\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u306e\u6982\u5ff5\u81ea\u4f53\u306f\u304d\u3061\u3093\u3068\u5b9f\u73fe\u3067\u304d\u305d\u3046\u3067\u3059\u3002<\/p>\n<p>\u65e5\u672c\u3067\u306e\u3053\u306e\u5206\u91ce\u306e\u5148\u99c6\u8005\u306f<a href=\"https:\/\/www.maneo.jp\/\" target=\"_blank\" rel=\"noopener 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\/>\n<h4>\u8a18\u4e8b\u63d0\u4f9b\uff1a JP-US Legal Forum\u301cBusiness, Laws &amp; Information\u00a0<a href=\"http:\/\/www.bizlawinfo.jp\/\" target=\"_blank\" rel=\"noopener noreferrer\">BizLawInfo.JP<\/a><br 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