P2P online lending experienced a period of baptism, and recently showed a healthy and stable development momentum. In September 22, the amount of investment in financial workshops for the second anniversary of its establishment exceeded 0.7 billion yuan, it profoundly interprets the development pattern of P2P online lending "survival of the fittest" and its growth that cannot be underestimated.
Brutal growth to rational development
As we all know, P2P online lending has become more rational after its brutal growth and running tide. On the one hand, through this method, P2P online lending has gradually established its own game rules, the "Three nos" status is gradually broken, and the industry is showing a thriving trend. On the other hand, investors also have a deeper and more professional understanding of P2P online lending. The lessons learned in the past forced them to conduct a comprehensive assessment of P2P platforms, it can effectively reduce investment risks while expanding investment income.
Based on the data, we can also draw this conclusion. According to the data released by the online lending house, the transaction volume of the online lending industry was about August yuan in the first 125.3 billion of this year, with a compound monthly growth rate of 9.86%. In this context, it is worth noting that the transaction volume in financial workshops has exceeded 0.7 billion, because it is commendable to achieve this achievement in the controversial P2P online lending era. However, from another point of view, it is precisely because P2P online lending experiences a great deal of traffic and collapse that these powerful platforms such as financial workshops can stand out.
Risk Control System is the development path of P2P online lending
However, the fundamental factor supporting the improvement of financial workshops is not the improvement of the industry, but the improvement of the risk control system. Financial workshop said that, in addition to IT technology capabilities, the core factor that determines which platform can be more stable and long-term is the platform's risk control capability.
According to reports, financial workshops have very strict requirements on investment targets. Although the investment scope covers different industries in different regions, every project is strictly and carefully investigated and analyzed, only small and micro enterprises with high market position and healthy operation can have the opportunity to invest. During this investigation, the financial workshop introduced a third-party information verification mechanism to fully verify the integrity of enterprises through platforms such as the people's legal network, the untrusted network, and the industrial and commercial network, through professional IDs intrusion detection devices and web tamper-proofing devices, the system can promptly fix and update detected scans. In the event of an attack, the system will automatically trigger an alarm, the system O & M team is on duty 24x7 to reduce potential investment risks.
In addition, the financial workshop also launched the creditor's rights transfer function to help investors quickly recover funds ------ the creditor's rights transfer function is to allow investors who have already invested in financial workshops, transfers Project Creditor's Rights to investment users in other financial workshops, finds appropriate Project Creditor's Rights transferee through the financial workshop platform, and quickly realizes fund withdrawal and obtains corresponding benefits, it is a major innovation of P2P online lending.
In addition, in order to make the P2P online lending operation more transparent, the financial industry will also create a Saturday offline open day to provide investors with an offline communication and exchange platform. Investors can enter the financial industry, more intuitive understanding of the company's risk control and management.
Where is the development space of P2P online lending?
Although P2P online lending has recently returned to a sound development track, what is the future development space? This is still worth exploring. On this issue, the financial workshop was the first to spread from Beijing, Shanghai, Guangzhou, and other major cities to the more extensive second-and third-tier cities and rural areas, helping more people in non-first-tier cities obtain investment income through financial workshops. From the current point of view, this plan is progressing smoothly, which may indicate that small and medium-sized cities and rural markets will become an important growth point of P2P online lending in the future.
Furthermore, external cooperation is also very important. Recently, in cooperation with sengong xiaoloan, the financial workshop launched the "easy to earn profit-sengong series" investment project, with an annual interest rate of up to 8.8%. Through this cooperation case, we can easily see that more strategic cooperation opportunities will emerge in the P2P online lending field in the future. Through cooperation, the P2P platform can enhance the overall competitiveness, launch more attractive products to attract greater market attention. In the past, P2P platforms that were single-node users may be eliminated due to lack of competitiveness.
In general, P2P online lending will show healthy and rapid growth in the future. Whoever can provide investors with high-yield and low-risk investment opportunities will stand out from the fierce competition. (Text/Wang yijian QQ: 543415188)
P2P growth cannot be underestimated. the inspiration behind the financial industry's transaction volume exceeding 0.7 billion
