The domestic question that the net shifts on December 1, the home that the net borrows is released " P2P net shifts an industry November 2018 monthly magazine " (later development abbreviation " monthly magazine " ) .
Monthly magazine shows, november 2018, the net shifts an industry integrated yield is 10.11% , annulus comparing drops 13 base point (=0.01% of a base point) , rise compared to the same period 62 base point. The month on continuance of integrated this month yield drops situation, continue to appear small drop, basically suffer partial head platform to reduce platform of high interest of interest rate and part actively to already stopped to send the combined influence of mark; The net shifted an industry in November average loan time limit is 15.07 months, annulus comparing spins 0.41 months, spun compared to the same period 5.81 months.
P2P net shifted an industry in November clinch a deal the quantity is one hundred and eleven billion four hundred and fifty-four million yuan, annulus comparing rises 8.98% , drop compared to the same period 51.08% .
The industry clinchs a deal this month the quantity ended near future downtrend, appear small get warm again after a cold spell, because the autonomic examination of various places spreads out in succession,this basically is, put on record the process already moved toward the right path, the industry is negative the mood alleviates somewhat. Notable is, up to by November 2018, p2P net borrows industry accumulative total to clinch a deal the quantity already was as high as 7.92 trillion yuan, be about to break through 8 trillion close greatly. Up to by November 2018, p2P net shifts an industry normal operation platform is aggregate wait for gross of gold of repayment of capital to be eight hundred and eleven billion one hundred and ninety-four million yuan, annulus comparing drops 2.54% .
Up to by November, p2P net shifts an industry amount of normal operation platform drops reach 1181, photograph comparing reduced 25 by October. According to not complete count, close down and problem platform amount were 25 in November. Up to by November 2018, accumulative total close down and problem platform achieve 5245, p2P net borrows amount of platform of industry accumulative total to achieve 6426 (contain close down and problem platform) ; P2P net borrowed the brisk investment number of the industry, active loan number to be two million four hundred and twenty-one thousand six hundred person, two million seven hundred and forty-six thousand eight hundred person respectively in November, among them active investor counts annulus comparing to rise 6.50% , active borrower counts annulus comparing to rise 4.44% .
It is below the net borrowed content of monthly magazine key in November (the detail examines please [monthly magazine full text] ) :
One, the net borrowed integrated yield to drop in November average loan time is little rebound, the history on the station is bit taller
In November 2018, the net shifts an industry integrated yield is 10.11% , annulus comparing drops 13 base point (=0.01% of a base point) , rise compared to the same period 62 base point.
Chen Xiaojun expresses the domestic researcher that the net borrows, the month on continuance of integrated this month yield drops situation, continue to appear small drop, basically suffer partial head platform to reduce platform of high interest of interest rate and part actively to already stopped to send the combined influence of mark.
From the point of the city that divide a province, in 30 province town of countrywide that entered statistic November, 14 province such as Gansu Province, Heilongjiang, Qinghai are integrated yield under countrywide level (10.11% ) , gansu Province is integrated yield lowest, for 5.83% . Shanghai is integrated this month accrual is tallish at leading level of prep above whole nation, for 10.56% , annulus comparing drops 13 base point; Beijing is integrated this month yield also level of prep above whole nation, for 10.37% , annulus comparing drops 20 base point; Integrated this month yield is Guangdong 10.01% , annulus comparing drops 6 base point. The 3 provinces city with integrated top yield is Yunnan, Guangxi and Tianjin respectively, it is respectively 13.96% , 13.19% with 12.59% .
From November net of each province city borrows integrated yield to change the case will look, in 30 provinces city, annulus comparing gives the integrated yield that shares 16 provinces city to drop now, drop the 3 provinces with bigger range are Heilongjiang, Sichuan and Xinjiang, dropped respectively 250, 116 with 92 base point. And in the 14 provinces city that integrated yield rises, ascendant range is the biggest is Qinghai, Hunan and Tianjin, rose respectively 80, 70 with 52 base point.
The net shifted an industry in November average loan time limit is 15.07 months, annulus comparing spins 0.41 months, spun compared to the same period 5.81 months. The industry rebounds average loan time is little this month, apogee of the history on the station, because be retreated as industry Qing Dynasty,this basically is accelerate, the influence of head platform increases, and the average loan time limit of head platform is major longer, thereby average loan time limit takes combined influence trade continuously tall.
2, the net was borrowed in November clinch a deal quantity get warm again after a cold spell, will break through 8 trillion close greatly wait for gold of repayment of capital to drop
Report data shows, p2P net shifted an industry in November 2018 clinch a deal the quantity is one hundred and eleven billion four hundred and fifty-four million yuan, annulus comparing rises 8.98% , drop compared to the same period 51.08% . Notable is, up to by November 2018, p2P net borrows industry accumulative total to clinch a deal the quantity already was as high as 7.92 trillion yuan, be about to break through 8 trillion close greatly.
Chen Xiaojun points out, the industry clinchs a deal this month the quantity ended near future downtrend, appear small get warm again after a cold spell, because the autonomic examination of various places spreads out in succession,this basically is, put on record the process already moved toward the right path, the industry is negative the mood alleviates somewhat.
Clinch a deal from what net of P2P of each province city borrows in light of the circumstance, in the 30 provinces town that enters statistic, the P2P net that there was 17 provinces city in November is borrowed clinch a deal measure annulus comparing to rise. Clinch a deal before the quantity ranks the whole nation 3 is Beijing, Shanghai and Guangdong, november clinch a deal the quantity is thirty-five billion two hundred and five million yuan respectively, thirty billion three hundred and one million yuan mix twenty-five billion six hundred and thirty-eight million yuan. Shanghai ascendant range is the biggest this month, achieve 13.58% ; Next Beijing also annulus comparing rises 10.22% ; Guangdong rises this month extent is relatively lesser, it is only 3.52% ; Annulus comparing ascendant extent is as high as Zhejiang this month 19.67% .
There were 13 areas in November clinch a deal the capacity appeared annulus comparing drops, among them 7 areas such as Fujian, Hunan, Heibei, Yunnan drop extent exceeds 20% .
Treat field of gold of repayment of capital, up to by November 2018, p2P net shifts an industry normal operation platform is aggregate wait for gross of gold of repayment of capital to be eight hundred and eleven billion one hundred and ninety-four million yuan, annulus comparing drops 2.54% . Chen Xiaojun analysis points out, the industry waits for continuance of gold of repayment of capital to drop this month situation, but drop speed tends stable, because put on record,this basically is shortly, partial platform superintends a requirement to achieve, reduce scope actively, have partial platform Qing Dynasty in addition dish be caused by.
From each province city distributings look, 3 province city of Beijing, Shanghai, Guangdong wait for gold of repayment of capital to be three hundred and thirty-six billion nine hundred and three million yuan respectively, two hundred and fifty-three billion six hundred and twelve million yuan, one hundred and nineteen billion four hundred and eighty-six million yuan, the proportion that 3 ground hold countrywide P2P net to lend industry loan remaining sum was achieved 87.53% , of 3 areas treat gold of repayment of capital the month on annulus comparing all drops small, for 4.26% .
2, close down and problem platform counted annulus comparing to drop once more in November number of investor, loan all rises small
Monthly magazine shows, up to by November 2018, p2P net shifts an industry amount of normal operation platform drops reach 1181, photograph comparing reduced 25 by October.
According to not complete count, close down and problem platform amount were 25 in November. (note: Stop to send label the platform condition of 2 months and above sends label for time-out, terminally will be right the did not send label more for long platform condition before 2 months undertakes backdate is handled, accordingly, amount of platform of can normal to the history operation undertakes correction. )
P2P net borrowed industry stop business and problem platform amount to be 25 in November, among them the type is occupied than highest with on the month is consistent, still be platform of delay cash type, occupy than was being achieved 52% ; Via detect the platform amount of intervening type is occupied than for 20% ; Suspensive hair mark, close down, website is shut and run the accumulative total of the road is occupied than for 28% . Visible, at present close down and problem platform are exited with delay cash, classics detect intervenes put on record is given priority to.
P2P net borrowed the brisk investment number of the industry, active loan number to be two million four hundred and twenty-one thousand six hundred person, two million seven hundred and forty-six thousand eight hundred person respectively in November, among them active investor counts annulus comparing to rise 6.50% , active borrower counts annulus comparing to rise 4.44% .
Chen Xiaojun expresses to this, the brisk investment strength that P2P net lends an industry this month, active loan number is in successive after 5 months drop, appear eventually pick up situation. Appear this phenomenon basically has two reasons, as a result of,be on one hand in October because " small long holiday " the reason causes cardinal number inferior; On the other hand partial platform is in " double 11 " roll out sale activity to undertake winning a customer, partial platform is to appear more the phenomenon that grabs mark, make platform person angry appear to pick up apparently.
