Shuffling is P2P industry enters what health develops to need the road of classics, the platform that insists to add up to rule motion, effort to do asset zephyr to accuse will be better and better.
Civil | Clear becomes aware
True P2P nonexistent a run on a bank
True P2P is nonexistent any a run on a bank.
True P2P is nonexistent any a run on a bank..
Liu Tao sees first, he wears shirt of printing of a white, in rectifying an individual to compare camera lens a few thinner, also be however same young. Sit in labour he when going up to talk about the job with subordinate not dazzling, letting you suspect he does not pass is at the moment a of this company average employee. Can be not cheated by this idea, see when you he has the serious look on the face when the company is managed a little, you can know this platform that just held water 2 years can stand to the net to shift 100 strong positions do not do not have a reason.
The line on purse of city of E of platform of gold of Hangzhou each other in July 2016, head office is new 3 board appear on the market enterprise Zhejiang Aladdin controls a group limited company, finance of electronic business affairs, consumption, gregarious media, three-dimensional map was covered to wait for business of 5 big main trends below this group division. The E city three-dimensional map below Aladdin banner came out 2004, encircle in Hangzhou Internet famous degree very tall, perhaps be to borrow situation, the continue to use of platform of each other gold that the line gets on later the name that this science and technology feels dye-in-the-wood. Cent of E city purse belongs to among them financial career ministry, by operation of limited company of science and technology of information of Zhejiang Hunan oak.
This year on July 1, e city purse just spent 2 years old of his birthday. To the development dimensions of platform, liu Tao expresses modestly, the development speed of E city purse does not calculate actually fast, after he also expresses platform more will dedicated consume finance at doing the asset of this fractionize domain. Current, e city purse is being answered with positive attitude put on record. About recent P2P " Lei Chao " and a few superintendency policy, liu Tao also shared his original a few views.
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"Consumptive asset is small and dispersive
Wind accuses not to suffer factitious interpose "
Ask
The data shows you ever held a post to be made the same score at gold of much home each other stage, are you to below what kind of chance be joined E city purse?
Answer
I understood a lot of nets to borrow platform before joining E city purse, also compared the business that a lot of platform are doing, final choice comes E city purse here it is to feel I compare the asset of its whole be at ease, it all data are more healthy. The 2nd, integral platform trades in data of old user occupy than opposite taller. Additional, the history that E city map, Aladdin is in Hangzhou is longer, whole company is given priority to with Internet direction, internet finance is only among them a business. Look integratedly at that time, I feel purse is the following growing space will be larger.
Ask
E city purse holds water firm full 2 years, clinch a deal recently the quantity has been broken through 3.3 billion. Do you think what to reason there is among this?
Answer
Actually, purse does the accumulative total of 3.3 billion 2 years to trade dimensions (not be to wait for close trade dimensions) smaller still inside course of study. This also explains purse pays attention to stability quite first and last, so far we all asset from receive nothing more than, capital also is not outputted external. Our asset originates consumptive finance platform -- love goes into the street, fall in love with a street to consume in installment business is in one day probably 20 million right-and-left dimensions. This dimensions of 20 million, when if say,having 20 million, brushstroke capital can use the own reserves of the group; The 2nd capital, after the capital of the group ends, can use the fund of the tripartite orgnaization that we cooperate external, the capital cost of purse and photograph of tripartite orgnaization are compared for it is tall, remain in these two capital so later, the asset that falls in love with a street just can push purse. If a day of dimensions of 20 million, in front two had been used up 18 million, arrived purse remnant 2 million. So, our dimensions or hope can stabilize development.
Ask
You are publicized 2 years in platform piece in say future will be dedicated the capital fund that does domain of good consumption finance, whether specific talk?
Answer
Carry asset to doing a business at other tradition or be other and big capital fund, the asset that consumes finance will be more dispersive, the forehead spends the loan of individual user to be controlled basically in 3000 yuan. We all wind accuse a system to come off with the person, be based on big data and financial science and technology own research and development " honeycomb " risk hierarchy of control, spend through dimension of data of 200 many risks undertake all-around analysis, fall the rate of bad Zhang venture that produces because of borrower exceed the time limit to lowest, go up from the business mode of platform all-around lend of ground safeguard lender is safe. We pay attention to consumptive finance this one asset, because its forehead spends quite small, face quite wide, the 3rd it won't drag in falls to any lines, we all all asset, wind accuse a system to search completely inside data model, the model that everybody cannot intervene my wind accuses. Such, from itself business level for, I am OK effectively palm accuses.
"Go firm add is general trends
True P2P nonexistent a run on a bank "
Ask
The risk clew of the project information in E city purse makes clear line out in one column " incorrect capital and anticipate accrual has commitment or assure " , the government-owned net of purse also has the column that undertakes to investor the risk is taught, you how does look upon net borrow an industry to go firm add this thing?
Answer
Above all, p2P itself is necessary without what assure; The 2nd, it also assures without that actual strength. I am company of a P2P, I assure without method for all projects, can assure with tripartite only the company cooperates, undertake assuring for capital of platform exceed the time limit. Go now firm add, it is a thing that level of the government below whole big environment must want to do after hope P2P; But platform considers morely to let a client be at ease, meeting preparation risk pays gold fully before or be the deposit proof that offers a bank, give an user the service adding a letter of an one-sided. Superintend more requirement to assure with tripartite now the company undertakes cooperative, but the collaboration of the creditor's rights that this just also is aimed at exceed the time limit, still do not have cash of way acceptance tigidity this, the following P2P must be gone to go this way develops firm exchange.
Ask
The near future, and other places of Shanghai, Hangzhou, Shenzhen occurrence problem of a batch of P2P, investor is unavoidable confidence is damaged, the industry appeared accordingly the phenomenon of a run on a bank and capital evacuate, how do you look to this? Is this right is the management data of E city purse influential?
Answer
Answer you before this problem, want to clarify a concept first, true P2P is nonexistent any a run on a bank. The capital of investor is be borrowed by borrower, money is absent platform square, the deadline that is like contract agreement so did not arrive, platform just cannot extract contributive gold. For instance the investment deadline of 3 months, when 2 months, investor is like Xiang Ping stage to just want money cannot get cash, unless contact all borrower, borrower expresses to be willing to shift to an earlier date reimbursement, just can shift to an earlier date cash gives investor. Accordingly, platform just won't produce concentration cash, after investment expires, if wind accuses to be no problem, silver-colored guild turns capital automatically into investor account.
In every case produces a run on a bank, the first platform that still releasing current product namely, the money of investor did not enter borrower hand in, if roll bigger more like snowball,be in however in platform hand; The 2nd it is false mark, namely capital pool. In every case has risk of a run on a bank, business essence has a problem, or is from be in harmony, or is capital pool. What true P2P platform earns from inside trade is accrual administration fee, this ability is the gain that platform provides a service.
At present the current situation of the industry does not have too big impact to purse. This one phase suffers an effect more it is stronger to channel user dependence, namely our common says " abb platform " . And purse of our E city tripartite channel cooperated only 4, and purse answer is cast occupy than achieving 78% above, that is to say if platform everyday of 1 million trade the forehead, having 780 thousand among them is to come from old user, we are not strong to the dependence of channel. Although old user also can have prediction of a person's luck in a given year, but to us, main body reduces the prediction of a person's luck in a given year of old user now storehouse, user amount did not decrease, the investment that is average per capita only can drop somewhat in this one phase, so to whole of E city purse trade dimensions does not have too big impact.
"Strong superintendency normalization
Industry competition will be more intense "
Ask
The near future, the net borrows P2P to clear rectify deadline to be lengthened to come in June 2019. In the meantime, superintend shine cards in one's hand will try water calm danger to exit a mechanism. Be in on July 25, hangzhou city also published a net to borrow platform to exit how-to, you how look upon net borrows platform exit and does the net shift an industry the development henceforth?
Answer
Defer is a tragedy to industry and investor. E city purse hopes to put on record to had been jumped over earlier, because partial investor thinks now,all P2P platform are cheater. "P2P " two " P " , at the same time corresponding capital, at the same time corresponding asset. Include very how old platform now, have fund only of this one aspect of the matter " P " , without the asset from the back. But cannot because of platform of P2P of a few bogus run road, represented an industry to cannot be done. As the delay that put on record, level sex is strong superintend turn for normalization strong superintend, superintendency strength is greater and greater, whole industry still is the travel before continueing on the road in benign development. Investor needs reason to face, need not excessive and alarmed, shuffling is the industry enters what health develops to need the road of classics, the platform that insists to add up to rule motion, effort to do asset zephyr to accuse will be better and better.
In the development after industry of each other gold, the platform of disagreement compasses will be washed out eventually, exit industry arena; Add up to the platform of compasses to will face bigger market, better development chance; But also will face more intense competition, have the platform of core competition ability only, ability shows itself from inside numerous and outstanding platform quite.
