Industry of banking of near future Internet is new round shuffle tide comes, the platform of compasses of a lot of disagreement in succession " explode thunder " , let whole industry a fleeing army's suspicion of danger at the slightest sound for a short while. In fact, nearly two years many since, superintend policy as the industry in succession be born, internet banking industry lies all the time go overing grown with weeds Cun Jing's phase.
P2P net is borrowed had taken 11 year in China. These 11 years, p2P blossommed from a sapling healthy and strong is cultivated greatly, the branches and leaves that hang down in clusters witnessed it all the way brilliant, in the meantime, what mottled tree shadow also witnessed it to grow is multifarious with hardships. In these 11 years a P2P industry from do not have have, arrive from unknown to public reputation is big brace up, arrive from extensive orderly.
Discard of bad of the most severe superintendency superior is the inevitable result of the industry
Current trade explodes often thunder, this is a superintendency policy the tightest situation, with the process that the market that high-pressured state market has ego adjusts or the market eliminates. Its are judged, there still can be similar case to be performed repeatedly from the back.
A situation that investor place should understand is, when superintendency policy forces, the industry is benign exiting is an inevitable result. But not all platform is to collect money illegally benefit of baleful perhaps hasten, some platform may appear really a few risks, for example cannot cash or the circumstance of exceed the time limit, exhibition period.
In superintendency hasten severe setting falls, a few vivosphere that are not benign platform are squashed by height, after be being released adequately when the risk, industry modes of life and relation to their environment just is met to more healthy change. The renascence that P2P industry is experiencing phoenix Nie period. Only the standard develops, ability eliminate the false and retain the true. This is a course that gives clear quickly, just just began now.
The expert inside course of study thinks, this round " explode Lei Chao " have early inside course of study anticipate accordingly. The personage inside course of study tells a reporter, the end of the year released about the branch last year " network of good about doing P2P is leasehold special punish rectifies and reform the risk the announcement that checks and accept the job " in put forward clearly, compasses sex closes to put on record in what P2P trade completed before end this year in June. But platform of a few problems is in after contrasting to rectify and reform plan accordingly, know to adding up to compasses sex to go up oneself " cannot achieve expect an end " , the choice is accordingly clear dish exit.
Platform puts mark of false mark bad, lack from be in harmony, hair own hematopoiesis ability... in already " hit thunder " in platform, can find similar reason almost. Lack of a few platform is reliable " the project that send label " , match investor fund and oneself correlation corporation, let investor undertake management investment " double hazard " ; A few platform have not build system of own credit examine and verify, guard a pass to borrower reimbursement ability lax, cause delay cash condition serious; A few platform borrow " 0 yuan are bought " the concept does a network to pass greatly annul, fund of long-term will short-term loan and fault of long-term investment capital fund match, even since base " borrow return newly old " Pang fraud... fall in the strong superintendency period of P2P industry, afore-mentioned problem platform face the final result that washs out a bureau necessarily.
P2P still has powerful vitality market to develop a space very big
1. instantly financing compares financing hard expensive more serious. The support of national policy, the country is helping small company in the side now, and P2P industry also is ten million small company serves, help small company solve capital problem.
2. industry has moved toward a standard gradually now, the law can be depended on, have Zhang Ke follow, this also is indicating the capital of investor can be better get ensuring, the risk of investment is reduced.
The accrual photograph of 3.P2P platform compares bank deposit for, want tower above a lot of, average year accrual is between 6%-10% , and the accrual of bank deposit is controlled on average in 0.35%-2% .
Sea cleans out sanded period investor how to choose platform
High grade asset is to win out foundation, tidewater retire, just know who is naked swim.
Accord with " small and dispersive " business mode basically has credit to borrow, the car is borrowed, consumptive finance, supply catenary finance to wait. " activity of business of orgnaization of leasehold message medium manages the network temporary measure " made clear " network leasehold amount ought to with small give priority to " , "Control same borrower in same network platform of orgnaization of leasehold message medium reachs different network the upper limit of loan remaining sum of platform of orgnaization of leasehold message medium.
Specific and character, "Same natural person in same network the upper limit of loan remaining sum of platform of orgnaization of leasehold message medium does not exceed a RMB same legal person or other organization are in 200 thousand yuan of; the upper limit of loan remaining sum of platform of orgnaization of leasehold message medium does not exceed same network RMB 1 million yuan of; same. "Same natural person in same network the upper limit of loan remaining sum of platform of orgnaization of leasehold message medium does not exceed a RMB same legal person or other organization are in 200 thousand yuan of; the upper limit of loan remaining sum of platform of orgnaization of leasehold message medium does not exceed same network RMB 1 million yuan of; same..
Vitrification operation information is transparent
The vitrification operation here includes information transparent with capital transparent, that is to say, detailed borrower information should be contained in borrower contract, can undertake probation to its, in order to judge information effective. When requirement of occurrence liquidity capital, investor can judge loan information according to newer loan agreement effective, pass fund at the same time specific flow direction, will judge corresponding risk.
The government should have " information is announced " , close compasses report, audit report strictly according to requirement exposure, put on record the enterprise such as information is relevant information, the capital that cares relatively to the outside more puts the information such as rate of canal, exceed the time limit, financial forms for reporting statistics to give exposure, with transparent, close compasses give the investment with the largest user safe sense.
Whether red line of trade of lay a finger on
According to superintendency requirement, " activity of business of orgnaization of leasehold message medium manages the network temporary measure " to P2P industry delimit 13 " red line " , when investor is choosing platform, OK and corresponding corresponding superintendency red line undertakes filtration to platform, whether did platform receive a bank to put a valve for instance, whether to have Icp license, whether to have etc protect 3 class, information exposure is eligible etc.
After experience superintended the ablution that rectify and reform 2018 too, after P2P platform sea cleans out sand to pass, those who believe to stay it is relatively high grade platform mostly, want condition of fund of lender basis individual, demand to make investment plan only, choose carefully, can find the platform that relies on chart certainly.
The occurrence that the net borrows brought general benefit finance to serve for social masses. Will look at present, it made up for the group that traditional banking orgnaization covered hard in the past, right small cast financing to realize low cost to change, efficient change, in a popular style arose to urge action actively.
In the Internet times of flying development, the service of general benefit banking that Internet finance brings already was hasten of general trends place, superintend the progressively be born of policy as the country, the development of whole industry also will more and more normative, or greet another spring.
