The recent development of P2P platform is flourishing

Securities Times reporter Ye Meng butterfly

The recent development of P2P platform is flourishing. Several P2P platforms, including Hongling Venture Capital, Pterosaur Loan and Renjuju Juci, told reporters that they are conducting different stages of financing.

Right now, once the financing is successful, it will be the first time that Hongling VC will introduce external capital for the first time in its five years of existence. Pte Ltd also claims that it is financing a one-billion-yuan level. If the financing is successful, it will set an industry record. And everyone said that the financial due diligence investigation has been completed.

Following the credit loan of $ 130 million from People Credit granted in January this year, an author of the P2P platform said that the P2P trend has been set. In the next few months, it is very possible that VC will invest heavily in the top ten in the top 20 in P2P net loan industry.

It is reported that in June, beneficial network, micro-credit network and investment network which have announced the availability of financing, the amount of financing are in millions of dollars level or 100 million yuan level. The three financing cases also proved the judgment of the person in charge.

Insiders said the more popular companies almost every day venture capital to do research. But he questioned the amount of financing: individual claims tens of millions of financing, estimated from the number of users and volume, it is easy to see that there is moisture.

Staking capital is not over yet

Over the past six months, the top 20 P2P companies have hosted several VC institutions without exception, and news of financing continued to spread. According to report, the capital of the staking land is not over yet, including Hongling venture, pterosaur loan and everyone rich, including a number of P2P platforms are financing.

Hongling Venture Capital, which has not been involved in venture capital for five years, has recently been prepared to open its doors to capital. Zhou Ping, chairman of the company, said Hongling venture financing is under way, the current due diligence phase, the amount will be tens of millions of dollars level.

Zhou Shiping said Hongling venture is to bank model to create their own risk control team, the establishment of branch offices and the demand for talent will be the funding gap. Early demand for funds is relatively large, so ready to introduce venture capital.

Business Focus "Three Rural" loans pterosaur loan data is planning a larger financing. Wing Lung loan chairman Wang Sicong revealed to reporters that the financing of the pterosaur loan may set a new record in the industry, with a total of more than 1 billion yuan, more than the previous loan financing of 130 million US dollars. Investors will be financial sector capital, not non-venture capital, in search of business synergies.

According to Wang Sicong, Wing Lung Credit Co., Ltd. is pushing forward its plan to hold a full shareholding and will be introducing round A financing recently. Wing Lung loan current shareholder structure for Wang Sicong 46%, holding 18% corporate legal representative, Beijing City, the city pterosaur Network Technology Co., Ltd. 36%. After the completion of this round of financing, the proportion of new entrants into the investment institutions will reach 51%, Wang Sicong personal holdings diluted to 20% or so.

This means that the original founding team of Wing Lung Loan will lose control of the company. However, Wang Sicong stressed that after the completion of the financing, the new major shareholder agreed to retain more than 50% of the operating team's original decision-making power.

In addition, everyone Ju Cai CEO Xu Jian-wen also told reporters that the financing of everyone Junding is also about to be determined.

"Speaking about a month, due diligence has been completed, the investor is also the capital of the financial sector." Xu Jianwen said the funds will be used for optimization and upgrading of personnel, risk control and IT systems, while establishing cooperative small loan company Cooperation, export management system, increase the bargaining power of small-loan companies.

Hot companies almost every day to do the best wind venture "

According to several executives in charge, IDG, CDH, Sequoia, Shanda Capital and Shun Fund owned by Lei Jun are all "acquaintances" of P2P enterprises, most of whom have experience in investing in Internet finance enterprises.

Among them, IDG has two rounds of investment in 2010 and 2011; CDH Investments has invested in accounting APP mining; Sequoia has invested in unsecured P2P platform pat loan.

Top P2P companies have become the eyes of venture capital incense sticks. A person in charge of P2P platform told reporters that the hottest companies are doing their best every day, but there is also a lot of financing for the amount of water. "Those who claim tens of millions of dollars in financing, from the number of users and volume estimates, it is easy to see the water."

In June alone, three of the capitalists announced financing, while the disclosed amounts of financing were in the tens of millions of dollars or 100 million yuan.

P2P platform profit network announced the acquisition of Morris Capital tens of millions of dollars in investment; Shanda Capital Joint Habitat investment to millions of yuan into micro-credit network, the platform focused on the field of car mortgage loans and sub-sectors; Net was received GF Shun Tak Investment Management Co., Ltd. billion capital injection, and announced its parent GF Securities reached a strategic cooperation.

All three platforms have announced financing information on the big bulletin board on the front page to show that they own the endorsement of capital.

"I think the reshuffle in P2P industry will speed up and hope enough bullets will support us to go forward," Wang Sicong said. He believes that with reference to portals, group buy and video examples, competition in the P2P industry will become extremely fierce after the capital enters. Because P2P companies need more money, industry and government resources.

He pointed out that at present the platform has not yet reached the face of direct competition, P2P industry competition period of at least three years. Future trading volume increases, reaching tens of billions, in big data, advertising spending more.

However, Xu Jianwen expressed a different view, he believes that P2P competition is not so tragic. "P2P will have limited competition, because the financial industry has a threshold, not just can do; financial risk is not traditional industries, the risk is post-set, the government will not allow a large number of failures." Xu Jianwen Say.

Loan loan-related agricultural credit breakdown area hair force

Behind the climax of the financing event is the continuous rise of Internet finance, and the volume of P2P industry continues to grow.

Net Loan House In the first half of 2014, the national net lending industry report showed that in the first half of 2014, the trading volume of net lending industry was approximately 81.837 billion yuan, with a CAGR of 6.57%. Among them, the volume affected by the Spring Festival in February slightly decreased, Volume in March has been steady growth. June P2P net loan investment is 5.6 times the number of the same period last year.

Although the volume growth of the industry has slowed down from the previous two years since 2014, the home of net loan forecast that the net loan industry is still in its growth stage. There is still plenty of room for mining. According to the monthly compound annual growth rate Estimated that as of the end of 2014, the industry's turnover will reach 202.076 billion yuan.

Another notable phenomenon is that since this year, there has been a strong platform for the emergence of background, breaking the net loan industry in the past the grassroots image. After everyone rented $ 130 million to finance the initial industry situation, P2P started to exert force in such areas as automobile loans and agriculture-related loans. Of the three financing incidents in June alone, two were focused on the lending platform in the auto mortgage lending segment.

Palm P2P research institute in Shenzhen released a report shows that for from the financial institutions, investment network, Huitong and other Shenzhen, Shenzhen, a number of P2P platform business analysis, the car loans products generally adopt the principle of "small amount of dispersion", the average business Loan control at about 80,000 -11 million, the loan period more than 6 months. When a default occurs, the vehicle's cash flow is short and its formalities are convenient. These inherent characteristics of automobile loans reduce the operating risk of the platform and the risk of investor investment.

At the same time, the potential amount of car loan collateral is large and the value is relatively low, in line with the principle of small and scattered internet finance. Because of its own characteristics, auto loans are more easily promoted and replicated across the country. According to the palm tree report, the future market of car loans huge.

Palms statistics, by 2020 the national car ownership will reach 220 million. Of the 100 households, 60 use cars, of which 5% are car loan financing.