｜ of observation of finance and economics is small borrow a net to appear on the market: Of P2P stil_News

｜ of observation of finance and economics is small borrow a net to appear on the market: Of P2P still have to dark hour crepuscular?

Zhang Yi of our newspaper reporter reports

Run the road breaks couplet, close stop exit? ? This P2P explodes this year under Lei Chao, industry embarrassed look 100. Dissolve a venture to answer, arrived on August 4 in 9 days of time August 12, superintendency level released 3 important documents about P2P. Money couplet company returns a report to say, the silver-colored meeting that keep watch already called together 4 big capital fund to run a company (AMC) tall canal attends a meeting, ask 4 big AMC serve as what dissolve P2P in order to assist actively to explode thunder risk, maintain social stability.

What deserve attention nevertheless is, think in everybody the net borrows an industry to already was entered in succession " great depression " period when, however P2P company chooses to go against situation and on, referred smoothly still appear on the market application.

"Small borrow a net " go against situation appear on the market

On August 11, at the United States local time Zhou Wu, domestic car borrows platform small borrow a net to already was referred to American Sec appear on the market. In manual of raise capital by floating shares, small borrow a net to be him definition a burgeoning growing company. Held water at Hangzhou in July 2011, be engaged in mortgaging with the car leasehold the P2P business that give priority to, it is the company of mode of guaranty of car of innovation of Chinese head home.

Its official net shows, small borrow a net to went up on July 8, 2011 line operation. As home " Internet + car finance " forerunner, small the standardization that borrowed a net to make a car borrow perpendicular market develops pattern, in be small small company and individual user are offerred one-stop finance serves. Up to on June 30, 2018, small the loan remaining sum that lends a net amounts to seventeen billion and sixty-one million yuan.

Actually, small borrow a net to be gone to as P2P enterprise appearing on the market outside the condition is not Gu exemple, for instance: Delightful borrow, pat pat borrow waited to all come true to appear on the market in the United States at present. And go to beautiful IPO right now, just also do not depend on brave of one antrum Gu.

Researcher of engage by special arrangement of research center of electronic business affairs, Beijing is filled with division (Hangzhou) Fang Chaojiang of attorney office solicitor thinks, the small choice that borrow a net is in domestic P2P " Lei Chao " appear on the market below billowy circumstance, it is the natural alternative that the company grows first, also be the actual strength that lends this to reveal oneself platform second. Look only from business level, IPO can make platform credit gets aggrandizement, and the aggrandizement of the investor confidence that brings from this, promote the growth of platform business then. After all, rectify and reform in home check and accept the circumstance that adjourns again to fall, everybody did not get (put on record or permit) lawful appearance, the buildup of oneself platform actual strength is a kind of efficient way that fights a risk and propagandist means undoubtedly. But IPO is not " avoid dead gold " , investor is unfavorable and excessive unscramble, platform key still should do good wind to control capacity, strictly observe superintendency red line.

According to reporter understanding, small borrow a net the Ceng Huo before this gets financing many rounds. Newest data shows, small borrow a net nearly one year gain quite abundant, 2017, small the net income that shifts a net achieves 3.545 billion yuan, relatively go up year of amplitude 101.3% ; The car borrowed the situation with bad environment to fall 2018, small the net income that shifts a net also achieved 883 million yuan.

To this, zhao Yongxin of professor of college of finance of expert of senior Internet banking, Heibei is accepting " China produces classics news " when the reporter interviews, think: "Believe small after borrowing a net to appear on the market, will continue to send force, it is good that the investor that is support brings more profit. And this pair is carried brace up the confidence of whole industry, also have intense supportive effect. Also have intense supportive effect..

More platform leaves cloudily

Small the benign development that shifts a net, the current situation that actually instead reflects line home congener company more " desolate " , only with was August exemple.

It is the 58 cars that shift platform as the car are borrowed likewise, had chosen to exit the market actively at the beginning of August. 58 cars borrow issuance benign Qing Dynasty dish announcement says, as Internet banking policy tighten up reach put on record delay, and near future industry is large-scale the outbreak of negative news, the market survives environmental evil deterioration, the loan of platform big batch just appeared because of objective reason reimbursement capacity is insufficient, even the issue that reimbursement apiration loses, and as each big media is sung decline billow of the thunder inside Internet finance field, the panicky mood of platform investor is ceaseless and rising, add investment acute newly to decrease, pour out of capital leap, the pressure of above many sided borrows the operation of platform to cause major effect to 58 cars, is circulating fund nearly dried up? ? And borrow the rich still matron with identical destiny, cat that enrol money to wait with 58 cars.

This year since second half of the year, p2P platform explodes one after another thunder phenomenon is outstanding, whole industry resembles was to enter " big Xiao Tai period " , in many platform storm center, greeted in succession to dark hour. But considering small borrow a net to still can be accomplished go against power development, we this how does look upon explode this does Lei Chao issue the different destiny of different platform?

Look in Zhao Yongxin, industry of near future P2P is experiencing cold winter undoubtedly, although many platform appear unusual, but still platform of high grade head is in healthy operation. This specification is not P2P mode itself has a problem, however management ability and risk are on guard the level is having immediate concern. Explode the or that the problem appears in Lei Chao is to be suspected of violating compasses manage, can not come on stage according to silver-colored 2016 inspect " 8 · 24 government measure " carry out seriously, or makes the same score typhonic danger to be on guard namely capability is not strong, cannot answer liquidity risk effectively and appear the crisis. But on the whole, still high grade platform can answer the industry risk that faces currently.

Researcher of engage by special arrangement of research center of electronic business affairs, 100 million amount to attorney office lawyer of Dong Yi annals is accepting " China produces classics news " when the reporter interviews, say: "P2P industry is greeted this year explode Lei Chao can say expected. P2P enters country fast time of 10 years, although passed the 3 bitter fleabane break out that arrive 5 years to exhibit, but still be cruel actually grow, a lot of break the law violate compasses phenomenon to happen from time to tome, so the net shifts an industry this year explode Lei Chao erupts in this time node, have its inevitability. Differ as to the destiny of every platform, I feel what to still do not have difference substantially is in between platform, this essence is the profit pattern that points to platform whether cover a risk, straight white ground says to platform is in namely collect money illegally. So this kind of platform is given clear, it is a favour to whole industry. It is a favour to whole industry..

"Of course, the result that chaos of clean up industry resembles is brutal. Amid of a lot of investor got loss, so everybody did not come or want to raise risk consciousness. Pull up abb has a risk, in the long run, who is that by the sheep of pull up? To the personage inside a lot of course of study, because this the crisis is met,also face the disaster of bagnio. " Dong Yi records says.

For example: The net borrows star platform " the home that send " exploded on July 13 thunder, the domestic CEO Huang Shiqiao that cast already by detain, father Xu red Wei already also was adopted coercive measures.

Industry uncertainty or grow in quantity

Abrupt however " expected " explode Lei Chao makes numerous platform dim leave, but at least at present still high grade platform is in benign development. Future shifts an industry to whole web for, what is just the road that closes plan development?

Zhao Yongxin expresses, be aimed at a few problems that the near future appears, the net borrows an industry to want healthy progress, it is to should superintend a branch to be increased further above all absorb the public deposit, blow that waits for illegal criminality from be in harmony illegally to violating compasses platform to be suspected of especially strength, should accelerate more to closing compasses management platform undertakes putting on record administrative, enhance pair of support strength that combine compasses platform; It is to have platform to be begun quickly next check oneself from correct, stop illegal action, basis " one method 3 how-to " the requirement realizes fund bank to put a valve as soon as possible, close compasses manage. Had realized those who put a valve to should be ancient bronze mirror with this, strengthen risk management especially moral risk, liquidity risk is on guard ability, avoid similar incident to happen once more.

The reporter combs discovery, arrive from August 4 in 9 days of time August 12, already 3 important files about P2P are poured out of.

On August 4, dispatch of Xinhua News Agency " advance Internet finance and P2P risk to dissolve the job steadily " , reported punish of each other gold does to borrow punish to do pair of each other gold with the net especially the 9 jobs demand that the net shifts repair work to make. On August 8, punish of each other gold does allot " send P2P platform borrower to escape about the newspaper the announcement of useless debt information " (99 article) , requirement each district appears in the newspaper as soon as possible borrow ill will of this second risk incident to escape the borrower list of useless debt. On August 12, article of reappearance of Xinhua News Agency " decathlon act should shift a risk to the net " , reported punish of each other gold does those who put forward to borrow punish to do with the net 10 act that answer a net to shift a risk.

"Of course investor also should be good at identifying the factor such as actual strength of group of platform operation mode, management, should have to the risk that exists possibly bear ability, follow suit not blindly, him him gally, form a run on a bank then. Here as to those the ill will in the process escapes the illegal behavior that useless debt is platform of incendiary investor a run on a bank even, also want earnest processing, promote whole industry health to develop then. " Zhao Yongxin expresses.

Nevertheless, "After prospective industry gives cool breeze a place difficult of access truly, the likelihood can leave head company only, there is very big distinction before this pattern can be mixed probably, be in because of company of original a few heads this year after this storm, whether continue to live going down to return is a doubt. " Dong Yi annals complements very not hopefully, "Prospective net borrows an industry still can exist, but exist with what means, what effect is produced in financial system, how is the orgnaization that hold a card superintended, the uncertainty of these problems is very big still. The uncertainty of these problems is very big still..