AI Media Consulting: China Peer-to-peer platform guarantee mode depth analysis

Related data statistics, the end of 2014 China's network loans operating platform reached 1575, the annual cumulative turnover of up to 252.8 billion yuan. "Crazy growth" behind, due to the lack of relevant laws and regulations and industry standards have yet to be perfected, peer-to-peer frequent escape and collapse incidents. Whether old brands or new platforms have just been built, the issue of security has become the focus of investors. So, Peer-to-peer network loan platform depends on what kind of guarantee mode in operation? How many kinds of peer-to-peer guarantee mode? IiMedia Research (AI Media Consulting) recently published a PEER-TO-PEER guarantee model analysis report. In the report, the current market-style Peer-to-peer guarantee mode is divided into 4 types, such as Platform self guarantee, general guarantee company guarantee, financing guarantee company guarantee and insurance institution to provide customers with property insurance guarantee mode, and the advantages and disadvantages of four models are analyzed. 1. Platform itself guarantee mode platform itself does not participate in the loan transaction, but the VIP level of investors to provide principal guarantee. If the borrower defaults, overdue 30 days by the platform to advance the repayment of the principal, the transfer of the rights of the Platform. Or, the guarantor advances the principal and interest repayment, the creditor's rights transfers for the guarantor all. Advantages: The platform itself mainly to serve small micro-enterprises mainly, the amount of borrowing is generally large, by requiring borrowers to introduce a guarantor, you can advance the platform on the basis of further guarantee of capital security. Through the platform of its own reserve funds for investors to provide income protection. Disadvantages: The platform and the guarantor's strength demand is high, the risk increases. The role of guarantee is limited to the customer default rate is low, once overdue default customers increased, it is easy to happen peer-to-peer loan platform to run and close the phenomenon. 2. The general Guarantee company guarantees that once the borrower defaults, by the guarantee institution compensatory or the creditor's rights acquisition, the investor receives the guarantee institution compensatory or the creditor's Rights acquisition fund amount equal to the investor should receive the total investment principal and interest which is not received. Advantages: In order to ensure the security of their own funds, the borrower will be more stringent audit, which is conducive to the investor's principal security, while reducing the risk of default. Through "the debtor cannot perform the debt, the guarantor undertakes the guarantee responsibility" the stipulation guarantees the investor the income. Disadvantage: The general guarantee Company guarantees, although stipulates "the debtor cannot perform the debt, the guarantor undertakes the guarantee responsibility", but if does not confirm the borrower completely does not have the repayment ability, the guarantee company will not undertake the responsibility, once the borrower is running, the investor will lose the money. 3. The financing guarantee company guarantee platform itself has the financial institution background, guarantees by the financial institution's guarantee company, once the borrower defaults, provides the full compensation, for the investor, the Fund security degree is high. Advantages: Financial institutions mature wind control system, in the review of borrowers will be more stringent, effectively eliminate the false target. The ratio of the size of the encumbered assets to the size of its registered capital is less than 10, which effectively protects the investor from withdrawing the principal. Disadvantage: Financial guarantee companies according to the size of their encumbered assets and their registered capital scale should be less than 10, many domesticThe guarantee company already has the serious value, has the huge risk hidden danger. 4. Insurance institutions directly to provide customers with the benefits of property insurance Model: Peer-to-peer platform to introduce insurance financial institutions, investors to reduce their own risk losses; the insurance institution directly provides the customer with the property insurance guarantee mode so that the investors can minimize their risk by buying insurance. Disadvantage: Peer-to-peer loan risk is too high, insurance companies take into account their own income problems unwilling to accept such insurance. And not all of the domestic Peer-to-peer platform can be introduced into the business of insurance companies, so investors ' property security is still not effectively protected. Although the domestic Peer-to-peer loan market has a variety of security models, but still failed to eliminate the risks faced by investors. IiMedia research analysis that, in view of the drawbacks of the domestic guarantee market, peer-to-peer loans in the future development may be towards "to guarantee" and through Third-party credit, strict screening of borrowers to ensure the interests of investors trend. However, in the short term, the Peer-to-peer guarantee mode still exists, and the most need is to standardize the operation and process system and supervision of the guarantee process. On April 18, the upcoming Shenzhen 2015 China Internet Financial Development Summit, Peer-to-peer operational Innovation will also be the future development of the topic, the first day of the General Assembly held in the afternoon, "2015 China Peer-to-peer Operation Innovation Development Forum" for discussion. (attention to the official micro-letter "media consultation", micro-signal: Iimediaresearch, click on "Details of the conference" to see the specific content; Please reply to "Rob Ticket". It is understood that the summit organizers Iimedia Study Group (AI Media Consulting Group) to invite Ali micro-finance, Sequoia Capital, Vchello micro-investment, Tencent Micro-pay, Baidu hundred Bao, Lu Jin, Suningyun business, such as the Internet financial forefront of the leading enterprises in the hundred elite, They will focus on the asset diversification trend of peer-to-peer lending industry, the focus point of the internet Financial Times, and discuss the way of internet finance development. The summit will be an annual event for investors and the Internet industry to share and develop new opportunities for the Internet financial industry.