20 Home Network loan platform October present difficulties

Since October, there have been 20 network loan platform fund chain problems, the emergence of difficulties. This is the first single month since the birth of the net loan so many problems platform. The Platform for the network loan outbreak began last year's gold rush, and only a handful of platforms have had problems throughout the year. Some senior investors have put money into some early stage to establish a certain reputation, low interest net loan platform.

October 20 Network Loan Platform difficulty

October for the network loan is an eventful period, many platforms frequently broke the difficulty is the young network loan industry has never seen before, just October 30 the day of the credit network, ping Hai loans and Zhejiang Merchants 3 platform issued a difficult announcement.

According to the first financial newspaper, "financial quotient" statistics, this year, there have been 34 network loan platform for the head of the escape, capital chain break, overdue mention of a variety of problems. According to the net loan home statistics, the current network loan platform about 500, rough estimate, this year, the problem platform for the platform accounted for nearly 7% of the stock. In October alone, there were 20 platforms with problems, accounting for nearly 4% of the inventory platform.

The new platform's popularity is not stable, the brand has not established, the business is also relatively unstable, they are the problem platform high, there are many platforms in one months after the establishment of the problem of capital volume.

From the data compiled by this newspaper, the new platform is the hardest hit of the problem platform. There are 8 platforms that are online within one months of risk, accounting for the largest. And the online two-month risk platform for 5, three months and four months after the risk of the platform has 6, the line five months risk of the platform 5.

More than half a year on the platform seems to operate more smoothly, at present, only 2 platforms in the online 9 months after the risk of events, only 1 platforms in the online 10 months after the risk of events.

And some areas is also a problem platform of high incidence, which may be due to the region itself is the net credit more concentrated areas, such as Shenzhen, Guangdong province is the net loan platform relatively concentrated place, and its problem platform of the absolute number of more.

According to our statistics, registered in Hubei Province, the platform has 7 risk, this is also the province that has been the most problematic platform since this year; there are 6 risks in the network loan platform registered in Zhejiang Province, while 5 of the platforms registered in Guangdong Province are at risk, and 4 of the platforms registered in Anhui Province are at risk.

"Now the weather has changed and the market has changed. NET loan industry is in the growth of the industry, with the industry to integrate the weak platform is almost inevitable, and then so concentrated in October, it did make most investors unexpected. "Net Loan house head Xu Hongwei told reporter.

Spring River water Heating Duck Prophet, once the network loan platform frequently problems, especially the new platform problems, will immediately trigger the capital withdrawal of investors, and investors ' capital withdrawal may cause more network loan platform of the capital chain break.

Over 70% of the benefits of the super platform are the hardest hit.

This year, there have been a number of ultra-high-interest platform, and some of the net-loan platform of the annual yield reached more than 60%. Such high yields are enough to make investors crazy, and the risk of October has been so frequent that investors are in deep trouble.

Mike is a senior investor who has been investing in net loans since the end of 2011. He has witnessed the net loan annual yield from 2011 of 30%, to 2013 a group of income in the 60%~70% of the high income platform. Mike also drums in the heart, what is the business that these platforms can pay such a high yield? As a relatively large amount of money investors, he has also investigated a number of network loans platform.

"But from the outside you are difficult to know exactly the operation of the platform, as investors can only be a limited amount of information to choose." Mike told reporters.

The first half was a smooth one, and Mike was still unharmed, and Mike was injured in the frequent problem-net loan of October. Fortunately, his fragmented strategy did not hurt him or his vitality.

Since 2013, the network loan industry is breaking out, almost a day to set up a growth rate. However, the new station seems to fall into a vicious circle, in order to attract investors, the new station must be forced to provide a higher rate of return, many sites of the annual yield of even up to 60%, 70%, and in order to maintain profitability, the platform has to attract more investors, once investors evacuated, the platform's capital chain is facing a break.

It is precisely because this year's net credit new station's yield has reached the peak of the history of net loans, some investors even for those gains in 20%, 30% of the network loan platform dismissive, chasing high returns has become a common.

"High-interest platform is also a problem platform for high-risk." So we suggest that investors should avoid sites that yield more than 60%, because there's a lot of potential to step on them. Xu Hongwei told reporters.

In fact, in 2013, the net-loan yield appeared polarized. Some platforms have initially established brands, their profitability is further down, and some of the platform of the annual rate of return of about 10%, according to the net loan of the home of October 28 data, Lu Jin of the annual income of about 8.6%, everyone credit data in about 12%, Red Ridge Venture cast in about 14%. And some of the new platforms give a 70% or so super high interest rate.

"However, the issue of the platform incident in October will greatly affect investor sentiment, some investors may be to the low interest rate platform to transfer risk aversion, the average investor to put their expected income below 30% is a better and safer choice." Xu Hongwei told reporters.

The market is turning, the risk is not over

Of the platforms that had already been in trouble in October, some of the platforms borrowed more than $100 million, for example, in October, where the loan balances of household loans, which were difficult to come by, were about 110 million. Some industry personage statistics, 19 platform's total loan balance exceeds 1 billion yuan. And the vast majority of investors face a huge risk of losing their investment capital.

Throughout the 19 platform after the occurrence of risk events, the management of the platform is very rare to run, the majority of people took time to buy, give a commitment to the way.

Some platforms offer specific repayment options, such as October 30 appeared to mention the difficulties of the Zhejiang business loans, announced that because of hackers and borrowers overdue lead to difficulties, the platform out of a proposal, the provisions of the paragraph can only be used in some of the continuation of the tender can be in accordance with a certain percentage of the present, for example, back to the March bid, Can mention the amount of the tender is 50%, that is, if the paragraph 100,000, in order to be able to bring the present, investors need to continue to cast 50,000, can be 100,000 of 50%, that is 50,000 yuan. In addition, the platform also promised to some investors temporarily can not be mentioned to a certain "guard fees."

This has not been the case before, the problem of the net win the world and not sincere do not credit is to take a step-by-step repayment of the way, but at present have not paid off the debt.

"For investors, it is more prudent for investors to have a platform-chain-strapped load that means investment fails and it is hard to get the principal back," he said. Xu Hongwei told reporters.

Some people in the industry believe that the current round of net loan risk has not yet ended, the main implication is that those online time is not long, inexperienced, since the integration of the serious platform, these platforms once a run will be difficult to survive, but thereafter there will be a round of mismanagement, bad debts and the collapse of the network loan platform.