Profit from net borrows limit, the car is borrowed spend low, standardization, doorsill by right of the forehead low advantage makes the sweet bun in eye of numerous P2P platform. However, after competition turns white-hot, the car borrows blue sea in a twinkle erubescent sea, add superintendency hasten to father, backtrack leaves already was instantly industry normal behavior or conditions, platform amount appears to drop quickly posture.
The platform that put an amount is ceaseless reductive backside, the car borrows an industry to be about to be faced with reshuffle. Fight a risk to become those who establish a body this, industry resource builds up to the head.
The car is borrowed refluent
On June 4, zhejiang car borrows platform small ash to rebuke gold is taken announce, from the time-out since June 4 small grey Xiong Jin takes the operation of platform, express to stop to release any new projects and quit relevant professional work since this day, undertake close down Qing Dynasty at the same time dish the job.
About Qing Dynasty dish reason, bear gold takes small ash to express in announcement, nearly a few company months trade the volume goes low continuously, operation cost leap. Classics company shareholder and tall canal talk things over agree, suspend platform operation.
Small grey ursine Jin Fuqing dish it is an epitome that instantly car borrows retire of trade spring tide only. The near future, the car borrows platform to release suspend operation or exiting a net to borrow industry announcement already was common occurance.
On May 2, 2018, the car borrows platform fertile when borrow release announcement to say to suspend operation of the platform on the line, issue loan mark no longer meanwhile stop to return a money. Fertile when borrow express in announcement, suffer superintend enhance an influence, close plan is the exceed the time limit in rectifying and reform a process, bad Zhang rate increases ceaselessly, trade the accrual below the forehead, line decreases, operation cost is climbed litre wait for a problem to highlight.
Mere after a day, on May 3, source capital also issues dish of announcement clear: Operation suspends on the line since this day, release loan mark to plant no longer. Clear dish the reason includes bad assets to handle cycle to grow, pressure of capital of company pay for sb and expect to be repaid later is too great, and operation cost is too advanced.
On June 1, net of official of gold conduct financial transactions releases time-out all business announcement, say to suffer a country to superintend current situation of operation of policy, company and industry to be not stabilized wait for an element to affect, classics company considers to decide, platform need reachs business mode to wait to system, technology undertake all-around upgrade transition, suspend all professional work.
Can see from afore-mentioned announcement, exceed the time limit, bad Zhang increases, operation cost is climbed rising is the direct element that brings about relevant platform to choose to exit.
Everybody gets together Xu Jianwen of money author, CEO expresses when accepting times finance and economics to interview, much ground is begun since this year sweep black except evil special operation, of platform the job deals with to be restricted certainly after borrowing, rate of exceed the time limit, bad Zhang promotes generally somewhat. "A few depend on badly urge those who close is medium small platform, be faced with urge receive not do one's best to add the lax double extruding before borrowing, bring about bad Zhang of exceed the time limit to be climbed quickly litre, some must exit the market even. Some must exit the market even..
Shuffle will come
In fact, only from release announcement to announce to suspend operation or be exited in light of, still can the iceberg that peek car borrows platform to leave a big trend one horn.
The car borrows an industry to be controlled from 2015 begin to erupt, after limitation made 2016, be to become a net to borrow popular asset type more. By 2016, sortie P2P car borrows the platform amount of business to be controlled in 1000 about, and arrived 2017, the car borrows platform amount to reach peak, put number to exceed 1700.
But so far, the car borrows platform number to begin to encounter bluff type decreases. A research center that borrows according to the net is not complete statistic, up to by 2017, p2P net borrows an industry to involve a car to borrow the amount of normal operation platform of business to be 945. And according to newest statistic, the car lent platform amount in May 2018 only remnant 340, inside time of close half an year, put number to reduce many 600.
National finance and development lab are advanced when be still living and in good health of researcher Pan Jin accepts times finance and economics to interview, express, the car borrows platform to appear to decrease to basically have inside and outside substantially two respects reason. From the point of interior, inchoate car shifts an industry competition is intense, between platform for market of race to control, obtain a guest to cast enlarge, the profit that gives investor is very high also, the cost that caused loan end is strange tall. In addition, to contend for asset, the examine and verify before borrowing is lax also, these are the car borrows platform to appear today of all kinds problem is buried played the root of the trouble.
Exterior reason basically is in recent years the industry superintends hasten to father, plus shift an industry in the light of the net of all kinds the blow that violates compasses act, interest rate for instance limitation is in 36% less than, prohibit force is urged close etc, the cash reserve in a bank that affected platform badly flows, compressed its profit space, stem from gain to anticipate not hopeful consideration, platform chooses to exit in succession.
Those who need attention is, the car borrows platform amount to be in ceaseless reductive at the same time, the industry also is experiencing the process of reshuffle.
Xu Jianwen thinks, look from market whole, although unfinished is completely saturated,the car borrows the market, but what had presented a competition of the Red Sea in city of line of just a little and mature area is idiosyncratic. Head platform advantage is expanding, leave the opportunity of small platform, new platform dimensional general more and more crimple. And platform scale is larger, can strive for the capital end with large advanced position more, reduce cost, profit space is larger, the risk bears capability is stronger also, this is a direct circulation. As the abidance that superintend and competes, young player is in by extremely fast pack a circuit, the market more and more center to head firm.
"Additional, look from the angle of car finance, automobile industry chain is very long, from the sale link suits Internet finance to be cut very much to the market after the car, some platform meet the likelihood to be touched toward the car borrow the other way transition besides. " Xu Jianwen complement says.
Pan Jin be good at express, the trend that the car shifts a domain to ceaselessly platform is exited will continue. The meeting that refuses a risk to lose goes out bureau, and fight a risk strong, also can undertake internal composition is optimized, weave in personnel with product construction system this metropolis undertakes adjustment especially. In addition, seek new gain name a person for a particular job to be able to become a key. The commercial pattern that can last, it is to solve borrower truly question of short-term fund turnover, help the other side is on economic ascendant passageway, promote a trade benign loop, is not current do one only business to slaughter a client, angle is short-term accrual.
"Prospective car borrows the market also can be put in a few new opportunities, for instance the car supplies catenary, new retail field, have the platform that enclothes risk ability to go to these burgeoning business transition have not cannot. " Pan Jin be good at say.
(Above character represents author individual point of view only, do not review intermediary position on behalf of gold)
