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Location: The Royal College of Surgeons of England, 35-43 Lincoln’s Inn Fields, London WC2A 3PE
Lending into the European economy is being newly characterised by marketplace lenders and challenger banks that have developed new models and platforms to provide credit into specific areas of need.
This challenge to the banking industry is permanently changing the way credit is being created and distributed.
In this developing market there is a potent mix of regulatory and operational uncertainties, with investment and growth opportunities to match. The possibility for Securitisation to catalyse growth has not yet been fully explored.
By bringing together Platforms, Institutional Investors, Service providers, and Structured Credit Professionals, this twin streamed seminar will provide answers, analyse opportunities and facilitate the development of the relationships necessary to rapidly develop this market.
Earlybird bookings are now open.
Book now and get a 40% discount off the normal cost of £897+Vat; £537+Vat.
Provisional Programme:
MARKETPLACE LENDING
9.00-9.45 RISK MANAGEMENT & UNDERWRITING
Discussing issues such as: performance under exposure to rising interest rates; riskiness of platforms with no skin in the game; robustness of the model as competition and cost of acquisition increases. How much disclosure are platforms providing; Is it sufficient?
9.45-10.00 Break
10.00-10.45 REGULATIONS
The UK market is somewhat self-regulating with a strict code of conduct. But banks claim the rules are against them. Should the securitisation model flourish, will investors demand greater rigour?
10.45-11.00 Break
11.00 Keynote
11.30-12.15 ACCESSING MARKETPLACE LOANS
The race investors are faced with to invest in the best fintech-originated loans is itself being facilitated by fintech. How should investors tap the markets and not get left behind?
12.15-12.30 Break
12.30-1.15 BANK PARTNERSHIPS
A look at the evolving relationship between traditional bricks and mortar banks and marketplace lenders. Is this the inevitable route to cheaper customer acquisition? How will smaller lenders compete?
1.15-2.15 Lunch
2.15-3.00 SECURITISATION: THE SPONSOR PERSPECTIVE
Examining those opportunities offered by marketplace lending ABS for aggregators/sponsors, such as low cost of funding.
3.00-3.15 Break
3.15-4.00 STRUCTURING & CREDIT CONSIDERATIONS
An overview of the constituent parts of a marketplace lending securitisation structure. This panel will examine credit enhancement/subordination, underwriting/origination, servicing and compliance requirements.
4.00-4.45 INVESTOR PERSPECTIVE & SECONDARY MARKETS
We investigate the opportunity offered by marketplace lending ABS for investors, such as assets with varying credit quality and attractive yields, and how they get comfortable with the asset class. It will also explore how investors will, in a new sector with limited trading history, tackle issues such as pricing and liquidity in the secondary markets.
DIRECT LENDING
10.00- 10.45 DIRECT LENDING & DISINTERMEDIATION
A look at the role of non-bank lending in improving credit transmission to the real economy, as well as associated opportunities and challenges. What are the prospects for non-bank lenders in terms of arranging and originating securitisations?
10.45-11.00 Break
11.00 Keynote
11.30-12.15 ALTERNATIVE LENDING STRATEGIES
An overview of the different direct lending/alternative finance strategies (unitranche financings, senior shares, bridge loans and so on). This session will also address underwriting practices and developments in security-taking.
12.15-12.30 Break
12.30-1.15 FUND STRUCTURES & LEGAL FRAMEWORK
An overview of direct lending fund structures (listed funds, QIAIFs, ICAVs and so on), weighing the pros and cons of each, as well as the legal framework for non-bank lenders and the role of public guarantees/government support in facilitating direct lending.
1.15-2.15 Lunch
2.15-3.00 PRIVATE PLACEMENTS VERSUS SECURITISATION
The pros and cons of private placements versus securitisation in direct lending. What are the issuance prospects for each financing technique? Does jurisdiction matter?
3.00-3.15 Break
3.15-4.00 TECHNOLOGY
A look at the emergence of new technologies and assets in the direct lending space, such as minibonds. How are they expected to impact the sector? What other developments/challenges are on the horizon?
4.00-4.45 SUPPORT SERVICES
Exploring the infrastructure emerging around direct lenders to provide legal, trust, servicing, payments and so on.
5.00 Cocktails in the Hunterian Museum
7.00 Close
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