Network loan platform running or closing news came out

Yangzi Evening News (Reporter Xu Jianhua) Although P2P (personal to individual) network loan platform running or closing news, but P2P volume has been a straight-line growth. According to the statistics of Home Loans, as of the end of June 2014, the volume of P2P in China reached 81.8 billion yuan, approaching the volume of last year.

Data show that just over the past June, P2P net loan industry total turnover of 14.15 billion yuan, compared with May (13.71 billion yuan) up 3.2%, the average daily volume of 470 million yuan. Ma Jun, chief researcher at Home Loans, said that since January this year, the average growth rate of P2P net loans industry was 6.9%. Ma Jun expects this growth rate, by the end of this year, the industry monthly turnover can exceed 20 billion yuan. In addition, the number of P2P net loan borrowers increased significantly in June, up 16.2% from May and 690% from June last year. The number of investors steadily increased, up 7.8% from May and 5.6 times of the same period of previous year.

Experienced last year, up to 20% or even 30% of the annual interest rate, many industry insiders said that with the increasingly standardized network platform for the development of credit, the previous "thrilling" high-interest era will be gone.

According to the net loan home data show that in June this year, net lending platform, the overall interest rate continued to fall to 18.54%, down 1.06% from May. Jun Ma said that after the Spring Festival, net loan industry interest rates have been declining trend. Although the corporate capital flow was tight in June, the demand for loans from enterprises through the online loan platform increased. However, due to the relatively abundant capital supply in the industry as a whole and the need to reduce the interest rate to expand the business volume, the interest rate continued to decline slowly. He believes that at this rate is expected by the end of 2014 the overall loan interest rate will be reduced to 17.5% market.

According to the net loan home June monthly report shows that among the 130 mainstream platform loan balance, the majority of the loan balance of the platform below 500 million yuan, of which the loan balance of 100 million -5 million and 10 million -5 million The largest platform. It is reported that the loan balance of more than 1 billion platform for the long time on the line of the old platform, of which the loan balance in June to occupy the top six platforms are Lu Jin, Renren, love investment, financing city, Hongling Investment and loan network, a total of 38.28%. Data also show that from the location of the platform, Guangdong, Zhejiang, Beijing, Shanghai, Jiangsu, Shandong volume, the top five, a total of 87.8%, still occupy most of the volume. However, it is noteworthy that in June, Sichuan, Fujian, Anhui, Hebei and other inland provinces volume, showing an upward trend.

For the outbreak of P2P industry, capital increase, including chief financial officer Alhisa Wei Hu Xiaoming, including a number of people in the industry to remind investors, P2P teams continue to grow, so that funding oversupply, runway risk increased, are endangering users and P2P platform itself ; In addition, P2P platform operating costs higher, while the profitability is not optimistic, still burn-based. With the introduction of regulatory details, a large number of P2P platforms will face a crisis of survival in the next 12-18 months.