Zopa

[Punu]

Qui en pense quoi ?

http://www.zopa.com/ZopaWeb/

  Citation

Here's the way the world works (and it must be right because it's been like

this for hundreds of years…): People who have spare money give it to a

bank. Banks then do whatever they like with it. Some of it they lend to

people who need to borrow. Some of it they give to their shareholders. Some

of it they gamble on the price of tin, or the dollar going down, or whether

there'll be floods in Asia. Banks make lots of money from all this, a

fraction of which they give back to their customers.

Zopa though lets people who have spare money to lend it directly to people,

like them, who want to borrow it. No bank in the middle, no huge overheads,

no unethical investments. To minimise any risk, the money each lender puts in

is spread amongst at least 50 borrowers (and likewise each borrower gets

their money from a number of different lenders).

Zopa is for people who are looking for a better rate of return. Zopa's

interest rates aren't squeezed by middlemen (the banks) because there are no

middlemen - that's the Zopa idea.

[wapiti]

Il y a déjà eu un fil assez long là dessus il y a quelque temps.

[Punu]

Je l'ignorais. J'avais entré "zopa" dans le moteur de recherche interne du forum mais il n'accepte pas les mots de moins de 5 lettres…

[Chitah]

Il y a douze mois presque jour pour jour : http://www.liberaux.org/index.php?showtopic=10395

PS: ne jamais oublier que l'on peut utiliser Google pour fureter dans n'importe quel site, surtout si on a une recherche imprécise basée sur un seul mot clé.

[Chitah]

Une analayse de ce qu'est Zopa en comparant cette société avec une autre au modèle légèrement différent, Prosper : http://www.siliconbeat.com/entries/2006/04…e_vs_rigor.html

Lisez-le si vous etez intéressés!