Data shows, up to by January, p2P net shifts an industry amount of normal operation platform is 2388, photograph comparing reduces 60 by last year December. Shared 64 close down and problem platform in January, among them problem platform 29 (run road 6, carry show difficulty 23) , close down platform 33 the home, transition 2. Close down and problem platform quantity produce now to fall again, make clear in 2016, after platform exits P2P net to borrow an industry to reach highest peak, the step that platform exits is further slow down. Nevertheless, the footstep that platform rectifies and reform have not cease, predicting net borrows number of trade operation platform to will still drop further. In January, the net shifts an industry integrated income annulus is compared drop 5 base point (=0.01%) of a base point, dropped compared to the same period 247 base point.
1. net borrows an industry to will move toward the healthy road of benign development stage by stage
Long-term in light of, the net shifts an industry integrated yield still can continue to drop, manage to traditional bank stage by stage money product yield dresses, but can have fair risk excessive price. 2017, borrow superintendency be born and net to borrow platform to fulfil as each net add up to rule requirement, the net borrows an industry to will move toward the way that more benign health develops stage by stage, more and more be approbated by investor, the integrated yield that the net shifts an industry drops extent will close stage by stage narrow. Future, the net borrows investment to be able to become the asset with more individual and orgnaization main investor to configure one of breed. The expert expresses, from the point of industry whole circumstance, the net borrows interest rate to reduce is the signal that the industry enters benign development, as cruel Lei Gao breath platform exits the market stage by stage, the state of mind of investor returns to reason afresh.
Be in harmony and borrow chief to express, after be rectified and reform energetically through what the net shifted an industry 2016, in a new year, what people pays close attention to most is the net borrows an industry how to will develop 2017 probably. From the industry the operation data January concludes not hard, 2017, close compasses a task of top priority that remains each net to borrow platform to be faced with. Be in harmony and borrow the outstanding delegate that borrows platform standard to manage as the net, depend on rich financial industry experience and powerful Internet dominant position from beginning to end, enterprise of bibcock of the financial orgnaization inside U.N. , industry undertakes the strategy cooperates, domain of fractionize of deep ploughing industry, for high grade, those who have financing demand is individual solve capital difficult problem, serve hypostatic economy; and father accuse risk, standard to manage, offer the Internet finance solution of professional, efficient, transparent, sincere letter, take medium of quick and agile and high grade, convenient Internet finance message to serve an item for the user continuously.
2. net borrows yield to drop the development concept that accords with Internet finance
The expert expresses, the net borrows platform yield to drop, according with the development concept of Internet finance. Internet finance from be born begin to use the dominant position such as the operation on data technology and line, reduced trade cost and management cost, promoted capital configuration efficiency and service quality, the financing cost that urges a company drops ceaselessly. It is more and more mature to develop as the industry, the market is more rational, the security that investor values a product more and add up to compasses sex, the undesirable appearance that high interest takes a settle or live in a strange place is less and less, this also promoted industry yield to go firm.
Below the trend that uses platform of Internet thinking operation, be in harmony and borrow join besides what had done big data, safe wind to accuse to wait for other side besides, still made innovation upgrade on products plan of late, the user that devotes oneself to to fall to Internet thinking is offerred most the experience of conduct financial transactions of acme. On the design that experiences flow in the user, be in harmony and borrow platform to become its more human nature is changed and rationalize, be like the product of mark, of mark information is more detailed, can let investor understands every loan project well and truly. Future, be in harmony and the diversity economy demand that shift platform to will continue to satisfy an user, promote the conduct financial transactions of the user the experience ceaselessly, offer more safe, efficient Internet finance to serve for more user.
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