(1)
"They year change yield fast achieve 14% , although the each respect aptitude of platform and setting are very good, but the dot is not at ease, should I get off? " the net borrows lender Xiaohe to say so.
Before New Year of 2019 the traditional Chinese calendar, inside course of study paying close attention to the problem that lowers interest after year from orgnaization of course of study and lender. Expect like everybody truly after year, the platform that boiled for a long time in cold 2018 winter begins land add add to lower interest eventually, perhaps add no longer at least breath, but all these borrows platform of the head inside two course of study as Gong Ling, group consecutive clear dish, put on record and break.
The influence of the responsibility that Gong Ling and group shift is tremendous and far-reaching, give the confidence of broad lender one fist bang, trustful instant cave in, shift whole web the industry even " pull black " . After that whole industry was immersed in exceeding and fatigued and weak condition, capital is poured out of eagerly, even the action that partial platform produced a run on a bank. The person borrows the person to ever released announcement demarcate actor to choose a service before this the time that in freedom the application inside service period quits and frequency, come with this stable platform avoids action of large-scale trample a run on a bank.
Does the risk of a run on a bank have how old? Small make platform is immersed in management difficulty, big platform closes down, project exceed the time limit, investor answers paragraph all up to wait a moment. The risk of a run on a bank is absent here much give uncecessary details.
For tarry lender, prevent a run on a bank, everybody borrows limitation to quit time and time is one of methods, but what sacrifice so is user experience. What more platform chooses is another kind of means: Add breath return profit. After all the investment original intention that this accords with a net to borrow lender, the unused fund rise in value that gives oneself perhaps keeps a cost, the interest is preferential.
The heat of the home home page that borrows in the net casts platform to recommend a zone to be able to see many famous platform, and even the interest rate data of head platform, among them the interest rate span that pterodactyl borrows achieved 9.5%-29.5% , span of average interest rate is between 12.744%-24.69% .
Platform is added breath the function that returned benefit to have operation of stable market, stable platform really. On April 24 data compared to the same period on March 24 although drop somewhat, but drop extent photograph is compared 2018 6, really special in July tiny.
Does the net borrow platform to add breath is returning profit for tarry lender, prevent a run on a bank? This is sequential only, before still having because of.
(2)
2018 year end, orgnaization of each district finance begins to act in succession, wait for in the light of dimensions receive 100 million the following platform to spread out clear to withdraw the action, regret of numerous small platform exeunts.
Before this, pertinent information has circulated for a long time, superintend will wait for received in full to retreat a batch of platform according to platform, circulate two most version are to wait for receive 100 million Qing Dynasty to retreat doorsill and wait for receive 300 million Qing Dynasty to retreat a doorsill.
Occupy tripartite data to show, the platform of current and normal operation only more than. 100 million is wait for receive the following platform to exeunt, but end to the Qing Dynasty that the net borrows platform is retreated and coming here, be managed besides disagreement compasses or oneself and exeunt, next how much can waiting for received in full to retreat a doorsill be? Opinions vary.
The net borrows platform to want subsist, get over cold winter, besides should necessary each combine compasses intelligence beyond, treat one of target that receiving remaining sum also is rigid, although never any files point out this, but inside course of study basically already consensus this.
Recently, superintendency bureau of banking of place of a Beijing issued announcement of a conference, receive center of national Internet lash-up besides the data when driving P2P net to borrow orgnaization general fact this puts on record plan is new unscramble beyond, the net that Beijing banking bureau informed the 13 family property inside area under administration of Wu to dimensions exceeds 1 billion yuan borrows platform ginseng to meet. Again wait for the value that receives dimensions to reveal come out.
To avoid clear to retreat as far as possible, platform also is forced exert all over skill will promote growth. Although be superintended before this,have " double fall " requirement, but the actual dimensions of major platform is under double fall the dimensions when the requirement, say to grow with its, be inferior to saying is to restore.
How to restore? In uninterrupted experience " accredit is cruel attack " lender brand is agglutinant reduce, cannot be attracted effectively through the brand and persuade to stay, so will nod actual: Add breath return profit.
This is the high interest that numerous net shifts platform to be maintained in 2018-2019, even before interest rate returns what increase somewhat because of. The cruel development that compares 2014-2015 nevertheless period, still belong to rational category.
(3)
Face high interest to return profit, have a problem that puzzling rational lender from beginning to end: From where do these cost come? The high interest that faces platform consequently returns profit, partial lender chooses to flinch, get away gets off.
Current market is fatigued and weak is the net shifts an industry not just, still have ad industry. Superintended public proclamation to ask to cannot undertake the line plays the conduct propaganda of physical place 2017, exploded as platform of numerous fascia canorous 2018 thunder, lender is right of all kinds advertising not susceptibility and degree of belief fall extremely low.
Then is each platform adjusts promotion strategy in succession, put what be in and do not have the effect and feedback on to pull the budget with its mix newly the brand is revealed on, be inferior to using fee persuade the lender that gets off in succession to stay to perhaps safeguard the lender that stay behind.
This is why instantly not answer 2014-2017 year the sort of no matter be a line next going out that shop all right, surf is browsed on the line nowhere disappears phenomenon of advertising of each other gold, those who replace is each big platform emerges in endlessly add breath, return profit, the activity is ceaseless.
Do not look down upon the promotion expenses of platform, little a millions, go up more ten million, using Yu Ping is not quite low interest rate on stage operation activity.
Lender can of platform of rational look upon add breath the activity that return profit, can question cost of the management state of platform, operation. No less than cannot choose a platform by interest rate only same, also cannot reject a platform only by interest rate, of should main attention remain platform add up to compasses construction, whether to accord with superintendency requirement, have without cross superintendency red line.
Remain before received in full withdraws red line, there is an industry to explode after thunder lender confidence steeps fall, the extreme value change of market environment makes platform cannot resemble associate with in that way exert all over skill will attract customer, pull thereby new increase an user. Since faucet had been shut, so the water in good with respect to the service pond, had stabilized water of this one pond, await spring.
