From June since the middle ten days of a month, platform industry is lifted one round " Bao Lei is wet " . During this, net of the Tang Xiaoseng, Niu Banjin, home that send, silver-colored beans explodes in succession a problem, investor confidence nearly cave in.
During this, all platform do not have the industry one not more or less be affected certainly. Nevertheless, delightful borrow, Liu Jin is taken, the influence that search lends platform of a gleam of easily to get is minor. This also enough explains, business closes compasses, the platform basis with powerful setting is very deep, won't the Bao Lei because of partial platform, and the operation with influence normal platform.
The near future, superintend for many times issue dimension firm signal, reiterate when to adding up to compasses platform to mature in the condition, can apply for to put on record. Li Dongrong of chairman of association of gold of Chinese each other expresses, be on guard the risk is infected to add up to compasses management orgnaization to already became urgent matter. Visible superintendency branch borrows an industry to add up to the caress heart of compasses practitioner to the net.
What can foreknow is, the net borrows industry hope to will restore gradually. After experiencing this to shuffle, the advantage of head platform is sent more apparent. To investor, this cruel Lei Chao also is very good risk education, how should future choose platform, how differentiate risk? 4 index can serve as reference probably under.
One, it is very important that virgin group specializations
Have the person of good education setting, have very good resource and opportunity, also can collect elite to do poineering work together more, accordingly very the fame that cares about oneself, can appear scarcely the moral risk of fraud of divert capital, Pang.
On July 20, 2016, beautiful interest finance announces clear dish, and transition consumes finance. When those, the line on September 2015 still is less than finance of distance beautiful interest time of half an year, dan Meili finance accomplishs one-time all reimbursement however. After transition consumes finance obtain financing of 65 million yuan of A annulus and capital very quickly east financial strategy invests.
Beautiful interest finance is clear dish can become event of industry mark sex, the key is south Liu Yan of author of Yu Meili finance. Public data shows, university of British Hua Wei is graduated from south Liu Yan. Obtain highest and honorary bachelor's degree, and ever hold post at the whole world TPG of the biggest fund of illicit collect equity, establish before beautiful interest finance, the associated author that advantageous net is south Liu Yan holds CEO concurrently.
In fact, such poineering group is in industry of each other gold is not scarce. For example, the virgin group that the search below Sohu banner lends easily parts to accuse a domain to having rich experience in financial, IT, wind.
Its author He Jie is graduated from major of accounting of finance affairs of Hong Kong university, trustee of independence of negotiable securities of Ceng Ren Great Wall, Sohu has a good swim CFO, have Internet of 20 years and financial management experience, its CTO Zhou Lin is graduated from Tsinghua university computer science department, ever assumed Sohu technology vice president, have IT field experience of 16 years, its CRO Fan Xuegong is Beijing University economics large, project of the Yin Fudeng in ever holding the post of banner of Bank of China to fall is in charge of high, data of trade of 20 annuity be in harmony is analysed, wind accuses to manage experience.
Of course, the integrated quality of virgin group is very powerful, do not represent can do good net to borrow business; but undeniable is, such group does a net to borrow can have an advantage more.
2, real pay sth used to one's own advantage examines platform actual strength is notable is, the educational background with virgin good group and substantial work are experienced, can make sure they have awe-stricken heart to finance only, manage platform by such person, can reduce the probability that gives fresh gale a place difficult of access at least. Of course, these smooth returning far insufficient, do banking after all or want to have actual strength, the directest reflecting is real pay sth used to one's own advantage, the bank registers capital a few, does the net borrow sth used to one's own advantage of platform real pay to want only by what 889?
To this, the personage inside course of study expresses even, if at the beginning the doorsill of real pay sth used to one's own advantage that the net borrows platform is 100 million yuan, a lot of small platform and Pang platform did not enter opportunity, after all 100 million yuan are put on Zhang to be not moved, smooth accrual also is close to one year on ten million.
New banking head notice, be in early on April 15, 2016, search is borrowed easily already registered real pay capital to be added by 50 million yuan reach 300 million yuan, become one of a few platform with highest sth used to one's own advantage of real at that time pay. Pat pat borrow, the big platform such as Jiu Fupu benefit the real pay sth used to one's own advantage before this year also just 100 million yuan of RMB. Even if now, the platform that real pay sth used to one's own advantage exceeds 300 million yuan of RMBs also is can be counted on one's fingers.
Not only such, search borrows father He Jie easily to express publicly recently, the net borrows business board this year piece will increase the investment of 1 times, the promotion that basically is used at ability of science and technology and risk control systematic research and development. He expresses, platform values this industry next development, because had better standard, more perfect superintendency, search borrows the development soil with can have better easily, long-term to the industry development has hope.
3, close compasses level tall, it is good that wind controls a standard 824 nets borrow temporary measure to make clear a regulation, individual, enterprise must not exceed 200 thousand yuan in the leasehold remaining sum of same platform, 1 million yuan. We notice, the asset or of platform of head of a gleam of does individual consumption to borrow, or does have enough to meet need of small small company to borrow.
For example, delightful borrow (delightful lend borrow or lend money) , orange conduct financial transactions (in installment happy) main service individual, and Liu Jin is taken (restful Pu Hui) , small borrow a net (car guaranty is borrowed) basically serve small small company. Among them, delightful borrow, happy letter group already appeared on the market, and Liu Jin is taken (come out for many times appear on the market) , small borrow a net (already referred book of raise capital by floating shares) it is to appear on the market definitely platform.
Of course, no matter serve small small company to still begin consumption in installment business, of financial business " the gate of vitality " still be risk control, also be in risk control only certain level, the net borrows platform ability to realize gain. Delightful the newspaper that lend money shows, net first quarter 2018 gain 669 million yuan, but up to on March 31, 2018, facilitated 2015 rate of bad Zhang of all loan accumulative total is as high as 9.7% , facilitated 2016 rate of bad Zhang of all loan accumulative total is as high as 7.4% .
From delightful borrowed data discovers not hard, it is very normal that the net borrows an industry to have certain bad Zhang, and prep above banking is average level. But even if is such, delightful borrow still gas of know how things stand and feel confident of handling them publishs bad Zhang data, and net profit still maintains grow continuously.
photograph comparing, search is borrowed easily serving small small company while, go up again the line is consumed in installment product small fox in installment, fulfil the superintendency requirement of finance of benefit of small and dispersive, general in the round. Among them, small fox is based on lifecycle management in installment, rely on the huge data of Sohu portal, pass telegraphic operation business, silver-colored couplet and tripartite data, make intelligent wind control a system with artificial intelligence technology " wind blade " .
Accordingly, below the small and true, dispersive circumstance of mark, the integral risk that the net shifts platform is inferior. Meanwhile, search is borrowed easily already finished superintend the capital security that offer, system safety to wait add up to rule requirement. End at present, search is borrowed easily already went up bank of line an ancient name for China puts a valve, achieve information security 3 class attestation, obtain put on record the relevant aptitude of the requirement.
4, partner has apiration of reveal all the details and actual strength at this late hour, the voice that breaks firm add is louder and louder, but pat only pat borrow, accumulate what the individual platform such as wooden box rolls out high income to take risk oneself mark. However, borrow in the net put on record not complete still " go out clear " , the net borrows platform to had been not taken before putting on record, although setting is not to choose platform only factor, but setting actual strength is capital safety really last protective screen.
In fact, no matter be to appear on the market,department, national endowment department, wind joins a department, do not have one exception have Bao Lei, also platform of the star of whatever appearance, expert, scholar, want those who adopt Pang fraud to run mode only, have a flat day sooner or later. What can foreknow is, experience this round of cruel Lei Chao, major P2P platform is met gone, include to run station of the Xiaoping in not to be pooh-poohed among them, also include the Pang, big platform from be in harmony.
Future, only business closes compasses and can last gain, and the platform that has powerful setting actual strength will survive come down. For example, we can suspect Liu Jin is taken scarcely (restful group is subordinate) , open Xin to borrow (the country opens a setting) , search is borrowed easily (Sohu group is subordinate) security.
The search with Sohu subordinate group is borrowed easily. Public data shows, there already was Sohu below Sohu group division, have a good swim, search dog appears on the market 3 times company. Vulpine gold is taken regard Sohu as the significant position in financial domain, prospective hopeful becomes the 4th appear on the market company. Up to now, vulpine gold takes a division finance of next justifiable already money, P2P, consumption, ask for a letter to wait for business board piece, establish big data wind to accuse, catenary of artificial intelligence, area piece research center.
In addition, the equity framework design that search borrows easily is relatively reasonable. Its partner includes what Sohu banner falls to pay not only fair include Sohu to pay, and virgin group, this lets tall canal and platform interest height bind, because of problem of risk of morality of this basic nonexistent individual.
Although at present the industry is in hard hour, but the company that has actual strength to these welcomed new opportunity really. After industry classics is purified too, add up to compasses, actual strength to send an enterprise to will drive an industry benign development.
