2 trillion financing how to create P2P new market

Reporter Tao Ying Zhou Beijing coverage

In the face of the Internet financial craze including massive strikes by banks, funds, trusts and even electricity suppliers, the financial leasing industry, which has been quietly hovering outside this threshold, has finally taken a stand.

Following the love investment website has been launched three financing lease business for the transaction model of investment products, the loan is also recently announced with the Wuxi municipal government's financial control leasing companies signed a 1 billion debt transfer cooperation between the two parties A new mode of cooperation in Internet finance and finance leasing also made it possible for advance payments of receivables under finance leases through the Internet financial platform.

As an emerging hot area in recent years, with its ease of financing SME financing characteristics of the financing has become the goal of various funds chasing each other, and therefore, in the Financial and Economic Committee Draft Financial Leasing Advisory Group Consultant Qu Yan Kai seems financing The combination of leasing and P2P is worthy of encouragement and advocacy under the current market conditions because "accounts receivable are real and effective transactions, which is the best way for private capital to support the real economy and is conducive to revitalizing the stock and making good use of the incremental ".

Financial leasing first taste P2P

Just a year's time, high profits and non-threshold investment achievements of the rapid expansion of P2P scale, but also for all kinds of illegal running and illegal fund-raising, but it all seems Quy ?, This is not related to financial leasing New internet finance trial.

"You can say that A2P, A2B and even A2C, but we are by no means P2P or P2B, in order to differentiate ourselves from P2P and crowdfunding." Qu Yankai, in an interview with China Times, said: "Because we are Effective trading of real assets, not illegal fund-raising. "

"The current investment is difficult, difficult to finance, hard to lend money, and its essence is plain, that is, bank credit facilities and equipment, poor circulation distribution channels, service products and a single marketing model, service features imperfect. With the Internet financial platform, you can The supply of funds and demand in a larger range to match the information exchange through the network to complete the financing process. "Qu Yan Kai said more importantly, the accounts receivable differentiated realization is conducive to forcing the reform of the banking mechanism, In particular, the liberalization of interest rate liberalization process, because banks can no longer rely solely on the deposit and loan to eat poor.

According to Qu Yan Kai's argument, although China's current financial leasing market size of 2 trillion, but China's current at least 80 trillion bank accounts receivable, if you count the accounts receivable up and down the SME industry chain, then there is Close to 100 trillion accounts receivable, and through the Internet finance in this way, a large number of private capital can help these accounts receivable revitalization, but also indirectly revitalize the bank's credit funds.

Recently, it has just signed a loan collection and loan cooperation with Wuxi Jinzhao Financial Leasing Co., Ltd. mainly through its P2B network loan platform to activate the presently accumulated leasing assets of Wuxi Jinzuo Leasing. In the home page to pick up the loan, an amount of 600,000 yuan, the annualized return rate of 11%, the period of 3 months of financial leasing projects have been full standard, the repayment method is the first repayment of principal due.

In another love investment website, the reporter also found that the launch of the "Love Financial Leasing" series of products based on financial leasing business model for the investment products. That is to say, the lessor (financial leasing company) that cooperates with AIJ through the transfer of the leasing right to the investing user, uses the proceeds to purchase the equipment or assets required by the lessee (lending enterprise) and leases it to the lessee for use; and the lessee On time to pay the investment users pay back the principal, investment users are subscribed through the "love financial rent" series of products to enjoy a stable monthly income.

Among the three "love-rent-rent" products that the platform has launched, the project scale is 5 million yuan, 10 million yuan and 7.5 million yuan, respectively. The annualized yield is 14%.

Opportunities and risks under innovation

In fact, the connection between financial leasing and P2P mode has long been discussed in the industry.

Beijing, a large foreign-owned leasing company project manager Zhang Ru told reporters that currently subject to market conditions and the overall macroeconomic situation, many construction machinery leasing companies are actually borrowing new debt for old debts, the reason is that enterprises can not borrow money, However, the finance leasing company has no business to do. "For example, although the profitability of imported equipment is good, the lessee still needs to wait for the funding window of the financial leasing institution, and for the leasing institution, the insufficient equipment supply may also lead to missing the industry development Good opportunity. "

So, docking with P2P mode will affect the industry what?

"This depends on the specific project operation process, for us, the best way is by the finance leasing company or factoring agencies as the initiator of the project, through the P2P platform, to provide financing services to specific tenants equipment leasing, and funding The source of P2P social publishing to the public. "Zhang said the best investment deadline set by the financial leasing, once the lessee can not pay the rent, then the leasing company should have the disposal of the equipment.

The National Equipment Leasing and Used Equipment Committee Secretary-General Yu Xiaomei said in an interview with reporters, the combination of financial leasing and P2P, the most important point is to solve the docking of property rights and claims, so as to be more practical for investors Of the protection, and as a trading platform for P2P, should be within the scope of legal compliance, good risk control, after all, although the industry's innovation brings opportunities, but the risk also exists. "A series of risk prevention and control systems should be designed to ensure that investors' funds go directly to the real enterprise as much as possible so as to achieve the purpose of leasing enterprises to activate their assets and obtain the real economy."

Reporter noted that currently engaged mainly in financial leasing projects and investors docking Pu Zhihua enterprises, the entity will be used, leasing companies, investors, the three interactive chain. The leasing industry takes the lease as the carrier, separating ownership and usufruct of the subject matter, reducing the risk of investors. Through the cooperation of asset management companies and financial leasing companies, high-quality projects will be displayed on the platform, which also provides investors with more choices.

With its slightly different pick-up loans, it is a third-party information matching platform, with funds from banks, leasing companies, and treasury loans trusteeship and does not establish a capital pool. At the same time, the platform adopts a "double guarantee" mode, and financial issuer publishers The repurchase guarantees by the parent company and the controlling shareholder will be carried out by the ultimate repayment party and repayment guarantees by the related companies and shareholders.

However, even during the interview, many insiders also emphasized the protection of investors' funds, such as the platform-based risk diversification mechanism and the effective prevention mechanism of risks through the identification of risk involved in the transaction process Run. Huang Zhen, director of Institute of Finance Law of the Central University of Finance and Economics, also suggested that an evaluation mechanism should be set up to conduct quantitative and quantitative evaluation of network-related financing leasing projects so as to form risk pricing. At the same time, there should be screening and rejection mechanisms for unqualified projects.