Recently, it is good that P2P industry receives many policy benefits, an article that should say the most driving benefit is to brush screen recently very " Cheng Songcheng: P2P won't die out, will add up to compasses health to develop " .
Nevertheless I feel to premature is returned in light of now, p2P industry is remained in shuffled phase, cruel Lei Hai did not stop, if want to say a favourable turn of P2P, at least also wants to go up in economy adequate system of ability of date of departure comes out now. Cast platform outside closing compasses issue, p2P still charges the question of the credit intermediary that borrows before the net at present, is not dinkum message medium. Want this problem to did not go up at all only get ameliorative, want to face rate of private and leasehold tall break a contact from beginning to end, again the date of departure below JINGJI, rate of break a contact will be higher.
Take P2P and traditional banking contrast, both is pursueing loan business, the threshold of the bank is high, wind accuses a system to perfect, even cannot solve bad loan effectively to involve the question that raise; To P2P, for bank of contrast of loan principal part a few poorer, wind accuses a system to be mixed besides guaranty, impawn assure beyond, without the means with new-style what, so from go up to decide P2P net borrows business itself to accompanying taller break a contact to lead necessarily at all. If P2P still is as always the function that assuming credit intermediary, the problem of firm add can be all the time, so once asset quality is couldn't get,assure, so as time passes, cavity is met bigger and bigger, the problem of platform is met increasing, such vicious circle goes down, bao Lei's problem has to be less than improvement.
P2P business is in 2014-2016 year can get cruel grow, because lack is superintended,be on one hand, did a lot of superintend the endowment pipe business beyond; It is the economic situation when those on the other hand good, channel of financing of small small company is wide, had passed bridge financing or the bull of the bank awards a letter to be able to maintain higher leverage, did not erupt risk just. Enter 2017, of monetary policy tighten up the effect that has played date of departure, assure below the line the circle assures the concentration of catenary erupts, as financing of small small company character, abrupt financing channel is plunged into tightened a pocket, high leverage is afterwards hard, break a contact also is inevitable, as banking character, bad 2017 loan also is climbed in what last litre, same argument.
Although P2P industry is resembled in disorder fascicular, but the Qing Dynasty that passes a trade is retreated, buy recombine wait for means, can live finally certainly come down to add up to compasses platform a certain quantity ofly, if be below the system that severity superintends, do the one's duty of good news medium, just can be the spring of P2P industry in that way, especially the net of P2P is borrowed borrowing money to consumption recently transition, small, flow, dispersive this also is P2P industry should some characteristic.
