Since 2017 the line on more and more platform puts a valve, the bank puts a canal to also become platform to add up to the mark of compasses to match gradually. But appear wetly as Bao Lei, partial bank begins to tighten up P2P net to borrow capital to put tubal business, quit this professional work even. The article will borrow trade bank to put a valve to the net the respect such as overall condition, close down and problem platform undertakes statistic is analysed, borrow platform to put tubal data to do to the net update.
One, the bank puts a valve overall condition
A research center that borrows according to the net is not complete statistic, up to on September 17, 2018, already Guangdong China promotes bank, Jiangxi bank, big talk to combine farming merchant bank and new network bank to wait for net of P2P of 59 banks position to borrow platform capital to put tubal business, share platform of 775 normal operation to announce to sign the direct agreement that put a valve with the bank (contain exceed the time limit of project of exhibition period, part the platform that still sending label and contain already finished capital to put tubal system butt joint to go up the platform of the line) , occupy net of P2P of the corresponding period to borrow the 48.59 ％ that gross of normal operation platform measures the trade, the platform that can see at present P2P net borrows industry close in part already signed the agreement that put a valve with the bank;
Among them platform of 639 normal operation and bank finish butt joint of the direct system that put a valve to go up line (contain on the line puts tubal system but the platform that did not send the label that put a valve) , occupy P2P net to borrow the 40.06 ％ that gross of normal operation platform measures the trade.
1. bank is distributed
In 59 banks that sign the direct agreement that put a valve with platform, jiangxi bank ranks head of a list of names posted up about 75 times with the autograph, occupy normal operation platform to sign the 9.68 ％ that restrict number; It is Guangdong China starts a bank next, the autograph makes an appointment with 65; New network bank is ranked the 3rd, the autograph makes an appointment with 63; Big talk combines farming merchant bank and Chongqing to enrich the people the bank is ranked respectively the 4th with the 5th, sign about 51 to mix 48 respectively, autograph of these 5 banks makes an appointment with platform number to occupy an autograph to make an appointment with the 38.97 ％ of gross; The others bank is signed respectively make an appointment with Home 1-43.
With all computation occupied photograph comparing to be able to see in May, bank of near future part begins to tighten up exit a net to borrow capital to put tubal business even, if Shanghai bank is apparent crimple the net borrows capital to put tubal business, the platform that expires to many collaboration chooses to be signed with its add no longer, end cooperation; Guizhou bank also shifts the business that put a valve at the net is being exited in the round by this year March as a result of business transition. The adjustment that runs business to putting as the bank additionally and the user that platform considers the system that put a valve experience, many platform also choose to change the travel that put a valve.
2. District distributings
District distributinging respect, the whole nation already signed the platform of the direct agreement that put a valve to distributing to visit town in 29 with the bank, among them the platform number that Guangdong and Beijing already signed the agreement that put a valve with the bank exceeds 100.
The platform number that Guangdong province and bank sign the direct agreement that put a valve resides head of a list of names posted up firmly, have 231, occupy an autograph to make an appointment with the 29.81 ％ of gross; It is Beijing next, 173 platform and bank sign capital to put tubal agreement; Shanghai and Zhejiang are ranked respectively the 3rd with the 4th, sign about 95 to mix 71 respectively.
Before these 4 areas sign the platform of the direct agreement that put a valve to count a whole nation 4, approximate number of the lot that put a valve is apparently far exceed the others area, occupy the whole nation to already signed the 73.55 ％ of gross of platform of the direct agreement that put a valve, because the P2P net of these 4 areas lends platform amount,basically be more.
2, the platform analysis that already completed a bank to put a valve
1. bank distributinging condition
A research center that borrows according to the net is not complete statistic, up to on September 17, 2018, share platform of 639 normal operation and bank to finish butt joint of the direct system that put a valve to go up line, these platform basically distributing in 52 banks, among them Jiangxi bank is finished on the platform of the line is most, the line on 73 platform puts tubal system directly, occupy on the 11.42 ％ that line bank puts tubal platform number;
It is new network bank next, 56 platform succeed to receive and going up the line puts tubal system directly; Hua Xingyin ranks Guangdong all right the 3rd, the line on 55 platform puts tubal system directly; Big talk combines farming merchant bank and bank of merchant of short for Zhejiang Province to be ranked respectively the 4th with the 5th, respectively the line on the butt joint is mixed 49 times 41 platform, these 5 banks are finished on the 42.88 ％ that the platform gross of the line holds sum total of the line on the whole nation; The others bank parts the line on the butt joint Home 1-33.
2. puts distributinging case of time of the line on tubal system
In light of the time that puts tubal system from bank of the line on these 639 platform, the platform that bank of the line on 2017 puts tubal system is shown erupt the gender increases, share 425 platform to put tubal system in bank of the line on 2017, occupy on the 66.51 ％ of line gross.
And the rate that bank of the line on platform puts a valve since 2018 is apparent slow down, shared bank of the 138 lines on the home to put tubal system up to now 2018 (contain the platform that changes the travel that put a valve) , among them in June up to now only bank of the line on 31 platform puts tubal system, because erupt often as industry risk incident,basically be, partial bank begins contractive net to borrow capital to put tubal business, put delay and the footstep that platform cooperates.
3, the stop business that already completed a bank to put a valve and problem platform analysis
1. close down and problem platform are main circumstance
A research center that borrows according to the net is not complete statistic, up to on September 17, 2018, the whole nation shares 169 platform going up to close down appears after line bank puts a valve or be carried show difficulty to run the problem such as the road, have partial platform among them going up what after the line puts a valve, use is dual system collateral mode, namely partial bid puts a valve for the bank.
From the point of close down and problem type, 138 are problem platform, occupy on the 81.66 ％ of the stop business that line bank puts a valve and problem platform gross; 31 are close down or transition platform.
2. close down and problem platform produce time
A research center that borrows according to the net is not complete statistic, up to on September 17, 2018, from this 169 already went up the question of the stop business that line bank puts a valve and problem platform happens time to look, mixed 2016 appeared respectively 2017 the home and 23 2 close down and problem platform.
And appeared in all up to now 2018 144 close down and problem platform, occupy the bank that finish to put the 85.21 ％ of the stop business that runs a system and problem platform gross, among them 119 are problem platform, 25 are close down and transition platform.
A research center that borrows additionally according to the net is not complete statistic, close down and problem platform basically appeared July centrally 2018, shared 66 platform in July going up to close down appears after line bank puts a valve or be carried show difficulty to run the problem such as the road.
4, summary
Go out as frequency of industry risk incident, the attitude that the bank runs business to beginning a net to borrow capital to put is more cautious, partial bank begins contractive net to borrow capital to put tubal business, rein in and net borrow the cooperative footstep of platform.
Additional, allot before this " orgnaization of leasehold message medium joins the network detailed list of compasses examination problem " also allude again the bank puts a valve, the regulation that puts a valve to the bank more refine, added the account that put a valve newly to bind decided bank to get stuck not to allow to overdraw functional regulation, ask platform finishs a bank to put a valve before adding up to compasses examination to finish, but up to now till, association of Chinese Internet banking has not published the bank list that carries evaluation.
Still need to warn investor again finally, line bank puts a valve on and can not represent platform certain safety, investor needs recognize to put tubal essence, bank not the authenticity of project of examine and verify, do not assure profit, do not assume fund management to manage a venture, investor needs to be judged by oneself authenticity and assume responsibility.
The article comes from the home that the net borrows
