P2P network resources competition for battle has been played

For the domestic P2P net loan industry, the market competition before 2014 is mainly carried out with the platform set up by private capital investment. The main competition is still focused on the lenders. However, with the continuous increase in the number of banks, Insurance, industrial capital and other professional institutions have entered the market competition pattern has undergone major changes, the original private network credit platform is undermining the banks for every aspect of the net loan industry impact.

Look at the project side, some people may say that the bank bigger capacity, the project can move what brains? Tell you, wrong. Take a look at the two banks that have formally launched the online banking business. The cost of capital for one loan is less than 6% and one is 7.5%. If you count the management fees charged by the bank as 3 points, then The combined cost of the borrower will not exceed 10%, in turn we take a look at the interest rate P2P now lending platform. Small platforms do not make reference standards, to see some of the more mainstream, according to a net loan data statistics platform released information, Wenzhou loan is 15.53%, love investment 12.61%, a lot of money 14% , 12.72% of everyone's loan, please note that this is only for net loan investors, but also does not include the management fee charged by the platform, the above platform there is another risk recovery reserve, so the combined count down less Nearly 18%. In contrast, we can see that unless the fees charged by the bank-based P2P platform exceed 10%, at least for the borrower, it is still necessary to borrow money, and the cost to apply for a platform opened by a bank is lower.

This has in fact broken our awareness of traditional net loans. Previously we think the superiority of net loans is that it takes less time than applying for bank loans, although the costs are higher than for those who are eager to raise funds , But always lower than usury. However, no one thought so one, if not even this advantage does not exist, P2P network loan platform for future project source is what? If even project introduction is a problem, does that mean that there will be more platform runways in the future?

Perhaps some people may ask banks to do so. If the management fee is low, the effectiveness of this platform will not necessarily be good. What progress will be made in the future? Think again wrong, the bank wealthy, and some money, how can ordinary network loan platform can not, nor is it possible to introduce a little venture capital to compete. In the final analysis, the source of this project, the fight is who can consume a long time, drag the small platform will be the first to go out.