In 3 months in the past, the net borrowed an industry to enter a paragraph " queasy " period. As platform successional and flat, the net borrowed investor to become a extremely frightened person, the industry appeared large-scale " a run on a bank " .
In the meantime, this " queasy " also still caused ill will of a few illegal elements to cheat borrow, exceed the time limit, escape the behavior such as useless debt, your platform one disaster after another. The personage inside course of study points out, "Get even high grade platform this bigger impact. "Get even high grade platform this bigger impact..
Current, as superintendency branch, each ceaseless effort that large network borrows platform, of the industry " queasy " appease gradually. Analytic personage thinks, although the net is borrowed,explode thunder disturbance haply has been appeased, but some platform return existence risk, in next still meet in time add problem platform newly.
On August 24, hold in seven finance and economics " forum of height of brand of new 2018 finance and annual meeting of reporter of public relations of brand of the 2nd new finance " go up, speak bluntly of Wu Zhen of secretary-general of committee of technologist of safety of national Internet finance, "The net borrowed an industry to appear to make windy danger event since this year, no matter these incident are the angle from the person that superintend or the angle from enterprise oneself will look to be worth to pay close attention to. No matter these incident are the angle from the person that superintend or the angle from enterprise oneself will look to be worth to pay close attention to..
Wu Zhen points out, it is a net the capital fund that borrows ground floor is uneven. Begin us to think the net borrows capital fund from 2017 opaque it is a bigger question, if platform asset is transparent, we are possible fish a few wait for great hidden danger from be in harmony, false project. And asset is opaque cannot decide the asset quality of platform after all how.
2 it is the net borrows platform to violate compasses act more, include to involve false conduct propaganda, protect oneself from be in harmony, the problem such as revulsive type conduct propaganda is sent more. These act are single will look is atomic behavior, but accumulative total became much also can create more serious problem.
3 it is to make the same score a typhoon to accuse ability to lose quite, although a lot of platform are hitting big data wind to accuse, intelligent wind accuses to wait for stunt, but how does actual level need practice to examine, not was to use which kinds of technology, did how many dimension to spend wind to accuse a model to be able to come true.
"The stand or fall that big data wind accuses or intelligent wind controls a standard depends on two elements, it is the comprehensive sex of data and quality. 2 it is the actor bad that platform builds modular capacity. " Wu Zhen explains further, if main him data cannot be obtained, have ability again very inaccessible very tall wind controls a standard. And how is the level building a model of platform to need ceaseless test and test and verify, not be to pass PPT to be able to see.
4 it is to superintend hasten to tighten, superintendency requirement hasten is severe, platform of a few fraud is afterwards hard.
5 it is to assure oneself the gender is difficult break firm add. Although be message medium,the net is borrowed, but the case that itself puts in small profit of move high risk, opposite for capital cost is higher, asset quality is poorer, existence of a few platform assures oneself quality, break firm add hard.
Wu Zhen expresses, in look at present, the net borrows platform to exit already became normal state, to 2018 from August 2017 the beginning of the year adds platform drop off newly, arrived to basically did not have discovery to add platform newly later June. And the amount that reached to exited platform in July in June 2018 is more, a lot of nets that do not have fame still exist to borrow platform not to have the generation of breath soundlessly in the meantime, do not have the disappear circumstance of breath soundlessly again.
"Platform can continue to step down, still rely on to repair refine exercise to benefit the internal organs, include asset end, capital end, wind to accuse to wait, if make the same score stage itself to be done well, be in long-term in light of without the problem, if itself wind accuses bad, appear a few inferior asset are false mark even, so platform time can give an issue. " Wu Zhen says so.
