Peer chaos needs to be shared

Recently, the frequent bursts of "running events" to the peer industry encountered a cold spell. High-search and easy financial management that the current peer-to industry development is not stable, the need for law, policy, technology, three-party support, through continuous wind control innovation measures, to rebuild investor confidence, and consolidate the Internet financial market more healthy and orderly development.

High-speed financial management points out that the development time of peer industry in just a few years has become an important part of Internet financial development. Industry from the beginning of the difficult start, and then to the development of the industry chaos caused by the credibility of the crisis, peer industry is facing a new bottleneck, need to peer-to platform to find new wind control measures, sound industry development structure, and gradually improve the Internet financial system. Relevant professionals said: "We will actively introduce third-party guarantees, although the cost will increase, but this increases the transparency of the platform and the platform's wind control capabilities, but also enhance the investor's trust in the investment institutions." In addition, the newly established Investment Monitoring Committee is also a new wind control measure. ”

Shan Xiangxiang, deputy director of the International Finance Research Center of the Chinese Academy of Social Sciences, said: "Policy supervision is necessary, but at the same time should support the real economy, especially small and medium enterprises." "In his view, the traditional financial institutions in the field, banks tend to lend priority to those who do not need loans to large enterprises, and the need for small and medium-sized enterprises are difficult to borrow money." And the low threshold of internet finance for SMEs to see the hope that Internet finance will change the future flow of investment funds. ”

For the frequency of peer-to-run phenomenon, high-search platform founder Chen Kang that the main factors are as follows: 1, peer platform is very hot, but a mixed-minded, low threshold, financing is easy; 2, because of lack of supervision, there will be malicious defraud loan ideas breed; 3. It is difficult to withdraw. At present, the probability of self-integration is more, private borrowing is more Internet-based, mostly private borrowing enterprises, through the subject matter to the idle funds together, but some of the underlying can not be recovered on time, there will be a payment delay. So there is the liquidity risk that runs the risk. Platform capital rich degree or not determines the possibility of its advance, if the platform can not afford to be forced to flee; 4, self-integration phenomenon, some small and medium-sized enterprises to build their own platform financing to solve the problem of production and management, but after raising money, money is very difficult to manage, no lending experience, from the simple self-integration into the platform It is easy to Chuxian.

In fact, in the eyes of investors, the security of funds is their most concerned about the problem. One investor said: "Compare the high interest rates at the beginning of peer High returns ', now our investors are a lot more rational, especially in the future regulatory measures in the third-party hosting, the platform will certainly raise costs, it also means that future interest rates will likely be reduced, but relative to security factors, they are acceptable. ”

Peer chaos needs to be shared