One day, a 20 banks are not afraid to test the water

For Peer-to-peer Industries, this is the best of times and the worst of times. On the one hand, as the representative of Internet finance, Peer-to-peer has become the most active industry of people's capital influx. In the past few months, an average of at least 3-4 p 2P platforms have been set up every day, even banking has begun to stir. South all reporters yesterday learned that after the bank of the CMB test water peer-to-peer, more than 20 banks have been through various channels, various ways with the CMB and its partners to contact, trying to understand the details of the business.

But in the rapid influx of all parties at the same time, a group of civil P 2P is falling. NET Loan Home CEO Xu Hongwei to the south all reporters that at present, at least one day a peer-to-peer company closed down or appeared to be difficult to mention. A number of people in the industry interviewed by reporters in the south, said that the current fall of peer-to-peer companies have a self-integration, the deadline mismatch and so on.

The tide of collapse

In the past six months, Peer-to-peer is undoubtedly one of the most inspiring sectors of public entrepreneurship. Yesterday, the boss of a Guangdong microfinance company told reporters that the company has recently shifted its business focus to peer-to-peer. "Flexible, the fund lever is much higher than the small loan." "The small loan company boss said that the current small loan company lever is only twice times, and Peer-to-peer can do at least 5 times times, or even 10 times times."

This is indeed an era of universal Peer-to-peer. "There are 3-4 peer-to-peer companies set up every day." And it's accelerating. Xu Hongwei, CEO of Net loan, said in an interview with reporters in South yesterday that in March, there were only 1-2 online or in preparation for the day, but now at least 3-4, the future is estimated to reach five or six. According to its introduction, net loans to focus on doing the net loan company statistics, has more than 600, it is expected to break the end of the year 800, the annual growth rate of 400%. and the net loan platform's transaction amount also grows rapidly, 2010 is 600 million yuan, is expected to break through 100 billion yuan at the end of this year.

For Peer-to-peer high-speed development, Xu Hongwei said, with the threshold of the lower. It is learnt that in the past, to set up a Peer-to-peer company, enterprises must develop their own systems, however, now because of the mature industry, there are a number of specialized systems development companies, Peer-to-peer Web site to achieve modularity, almost no technical threshold, coupled with the lack of regulatory requirements, as long as the peer-to-peer industry, want to enter into.

However, in the Peer-to-peer company's rapid and barbaric development, a group of peer-to-peer companies are falling down. In Monday, an Android venture released a message saying the platform is now difficult to come by. "There are at least one of these companies every day. Xu Hongwei told reporters in the south, only since October this year, there have been 42 Peer-to-peer network loan platform closed or appeared overdue problems.

Failure will become the norm

"The Future of Peer-to-peer network loan platform will become normal." Xu Hongwei predicts that the number of platforms to be closed every day will exceed the number of platforms set up every day. And this in the industry also reached a certain consensus.

In fact, the Peer-to-peer platform problem is showing an acceleration. NET loan Home statistics show that since 2011, there are 58 Peer-to-peer network loan platform closed or appeared overdue problems, of which 42 appeared after the National Day this year.

For the October after the emergence of peer-to-peer closures, a number of peer-to-peer industry in the south have interviewed reporters that, with a large number of peer-to-peer companies, the market platform companies and funds "gruel." "The market has poured into a large number of platforms, funds can choose more platforms, the pace of increase, there are naturally some to be broken." A Peer-to-peer platform founder told reporters at the south.

It is reported that between the platform in order to compete for funds, for investors promised rate of return rose. At the end of last year, the Peer-to-peer platform had a monthly interest rate of about 2 minutes and 5, at the beginning of this year, up to 3 points, July-September this year to 4 points, the annual rate of return and incentives to add up to 40%-50%, the problem is that if all the Peer-to-peer companies will project and funds "one by one", even if the emergence of investors, it is not a problem. In this respect, many people in the industry pointed out that in fact, in this wave of bankruptcy, the accident is more "false Peer-to-peer company."

Self-melting platform explosion crisis

Xu Hongwei pointed out that there are three types of peer-to-peer companies, one is not long established, no brand effect. Second, the swarm into the peer-to-peer industry, inexperience, there is no sense of wind control. In addition, there are many accidents of Peer-to-peer platform is a self-melting platform.

According to the introduction, self-financing platform that is self-integration for personal use, generally have an industrial background, the purpose is to solve the company itself or related financial problems. For such platforms, said Liu Tieliang Capital president of this type of industrial companies, many of the original due to the industrial mismanagement of funds, so with high interest through the Peer-to-peer platform for financing, can in fact, industrial operating profits can not cover high interest.

Renren, founder of Xu Jianwen, said that such companies have a considerable gambling nature, the financing of the use of their own problems. In addition, Xu Jianwen mentioned, some companies are inherently fraudulent, the establishment is to circle money. For such fraudulent platforms, he says, if investors do not mention it, the money will keep rolling. But focus on the moment, the platform can not get funds, thus "betrayed." "This is one of the types that has emerged in recent closures. "This is mainly because regulation does not form a standard for the industry," Xu Jianwen said. He suggested that the rate of return of more than 20%, too short, too small amounts of items are likely to belong to this category.

South all reporters found that in the peer-to-peer closure of the tide, Peer-to-peer company "split the standard" problem also surfaced. Xu Jianwen Introduction, "Split" refers to the long-term borrowing of the target of a short period of time, large sums of money into small, resulting in the time limit and the amount of mismatch. "This is more common in the industry. He said that at present most Peer-to-peer companies operate in a pool of funds, which can easily create liquidity risks, and the Peer-to-peer platform will fail once the risks of industrial operations are present. However, Xu Hongwei said that the problem of such a deadline mismatch has been converging in the aftermath.

And for Peer-to-peer accelerated closure, the industry pointed out, but also with investors irrational, group investment has a relationship. The so-called group investment, is a lot of investors together investment projects, "group" after the retail investors can enjoy the high interest. "The group is to raise funds first, then find a project, large-scale capital evacuation will accelerate the collapse of the platform." Liu Tieliang to South all reporter said.

In the interview, many peer-to-peer industry insiders believe that the cause of the large-scale collapse of the peer-to-peer industry is because the industry is not under any supervision. It is reported that the market has been rumored that the central bank's leading Internet financial development and regulatory Research Group currently only recognizes the Lu Jin guarantee model.

The leading test water of CMB

The private Peer-to-peer encounters the group collapses crisis, the commercial bank is secretly exerting force, hopes through the Peer-to-peer business Innovation knocks open the Internet bank's gate. China Merchants Bank in September in its official website of the Small enterprise e, low-key introduction of a peer-to-peer model of the robust financing projects, the annual return rate of 6.1%-6.3%, 8-year products will raise more than 150 million yuan.

This product after the first report of this newspaper caused widespread concern in the industry, the bank has also suffered from all sides of the enormous pressure. South reporters yesterday to log in to the bank's official website found that the above products in the issue of 8 after the current has been discontinued for several days. Recruit Strider staff said that the series has not been stopped, currently only no new products on the line, as the new business needs further adjustment, when the future will be launched to further notice.

Bank of Shanghai merchants to test the water peer-to-peer business surfaced, the media quoted a third party to pay the company responsible for the news that, including the Pudong Bank, Agricultural Bank, GF and other banks are in the preparation of Peer-to-peer business. However, the company's headquarters said yesterday that the Peer-to-peer business is still in the research phase, there is no clear conclusion. The head of the Pudong Development Bank said yesterday that it had indeed been concerned about the new business, but Pudong did not attempt a peer-to-peer business plan in the short term.

Nevertheless, there are still a few of the real interests of the CMB's peer-to-peer business. South all reporters from the authority to understand that, after the business of the Merchants Bank of trade in the media, more than 20 banks have through various channels, various ways with the CMB and its partners to obtain contact to try to understand the details of the business. Among them, both from Qingdao, Shandong, a city firm such a small bank, but also from Beijing, a medium-sized joint-stock bank. And the focus of attention focused on: How the Bank of credit to honour the issue, and how the Peer-to-peer platform to achieve docking banking system.

However, most people in the industry interviewed by the South have pointed out that the bank p 2P platform regardless of size or service object and the civil P 2P platform is not the same. Xu Jianwen said the bank of the audit of P 2P is still using the original bank's credit model, the object is also a big customer, will not be real small micro-enterprises, funds to the sound, the corresponding income is also relatively low, probably in 8%, simply can not meet the current retail investors for Peer-to-peer up to 20% of earnings expectations. However, he said, with the addition of the banking system, the overall investment income of the P 2P industry would converge.