Is current situation of P2P investment conduct financial transactions what kind of? Present Internet development is very rapid, internet conduct financial transactions had become the pattern of conduct financial transactions with the most popular instantly. And P2P net is borrowed had become compare tool of popular investment conduct financial transactions currently, its with low doorsill, yield tall, sort is much the favour that waited for a characteristic to win numerous investor. At present the industry superintends method to ask for an opinion to stalk of grain to also had come on stage, the legitimate rights and interests that is investor was offerred more the safeguard of firm.
Recently, report of P2P economy year gives heat, this report borrows an industry to develop net of the current situation, P2P to borrow the many sided such as picture of investment mode, investor to borrowed conduct financial transactions to undertake an analysis to the net from P2P net, the analysis that borrows economy future to develop a tendency to the net especially becomes conduct financial transactions to amount to the topic that the person pays close attention to most, concrete analysis is as follows:
P2P yield still has stronger appeal
P2P net borrows industry yield to drop from the perch July 2013 12.45% December 2015, drop exceeded an in part. P2P net shifted an industry 2016 integrated yield still has descendent pressure, but drop will close narrow, predict to be in 10%-11% .
Highest courtyard issued the first ten days of a month in August 2015 " statute of comfortable use of leasehold case of folk of cognizance of top people court the regulation of a certain number of problems " hind, integrated yield uprights to borrow platform amount to occupy with the 36% P2P nets that reach above at 24%-36% more apparent than dropping. Distributing from the integrated yield of each platform in light of, most platform is integrated yield uprights between 8%-18% , occupy than be as high as 73.72% .
The Central Bank undertook 5 times falling allowing 2015, lower interest, remaining sum treasure year change yield the end of the year to drop to 2.7% around, bank a year period time deposit is fiducial interest rate drops to 1.5% , general of bank conduct financial transactions is ubiquitous 4% the left and right sides. Accordingly, contrast invests way at other economy, the yield that P2P net shifts investment still more have appeal.
P2P short-term investment is given priority to, long-term investment is accepted in degree rise
The average loan time limit that P2P net borrows an industry already incline to at stability, predicting future industry is average loan time limit controls wave motion in 7 months, p2P net borrowed conduct financial transactions to will be given priority to with short-term investment 2016. 2015, the average loan time limit of most platform still not prep above 6 months, aggregate occupy than achieving 83.67% . On the other hand, stem from pair of investment risks think and P2P net borrows short-term folk's leasehold attribute, investor also more deflection is short-term investment.
Of course, investor to in long-term P2P net borrows investment to accept degree rise somewhat. Above all, distributing from platform deadline on in light of, the platform quantity growth that will reach above in December is relatively apparent. Next, " activity of business of orgnaization of leasehold message medium manages the network temporary measure (ask for an opinion to stalk of grain) " in forbidden have the time of financing project fractionation, long-term project counts growth in. In addition, the platform that releases project of long time borrow or lend money normally often is force of a few public letters relative to better platform, below the case that sends in frequency of problem platform incident, a lot of risk preferences spend small investor to choose to reach capital move the platform that has better security.
Policy superintends a risk to be released stage by stage, investor protection is key of industry development future
P2P net borrows the policy of conduct financial transactions to superintend a risk to be being released stage by stage, as " activity of business of orgnaization of leasehold message medium manages the network temporary measure) ask for an opinion to stalk of grain) " release, p2P net is borrowed cruel growth times certainly will becomes the past. If why is future investing ongoing travel to lend paragraph project sufficient information exposure and investor decision-making to investment refine affirming is a key.
P2P mobile end will surmount PC end to become investment fund to basically enter the mouth
According to be versed in the data that believe a ministry shows, up to by October 2015, dimensions of user of Chinese mobile Internet amounts to 950 million, in our country mobile Internet is entering the mainstream in in big strides. In the near future, number of user of our country mobile Internet will still rise further. Borrow capital end to look from P2P net, the loot of client natural resources that PC carries already passed Yu Bai thermalization. Future, mobile Internet will make the main entry that gets P2P net to borrow investment fund.
