A garland of financial peer-to-peer or a magic spell?

Recently, the CBRC's internal restructuring, the net loans into the new "Pu-Hui financial Work Department" supervision, Peer-to-peer identity ownership further clarified. But some industry insiders believe that the "general financial" nature of further clarity, on the surface is to the peer-to-peer industry to wear a garland, to revive the industry confidence, but in reality may be on some platform on a magic spell. It can be foreseen that the establishment of the new Department will promote the supervision of the industry in-depth research and regulatory advice to the ground as soon as possible, the question is, wait until the regulation arrives, who can remain on the track? Throughout the 2014, the network loan platform has leapt to the 2000 mark, there are Ali, Sohu and other internet giants have entered, there are traditional financial institutions , industrial capital of the beach layout, there are more nuggets flocked. But the fruit of the profit has not yet grown, the industry risk has been further exposed, the external to the existing Peer-to-peer platform of the nature of the financial property is also controversial, relying on high interest rates to scale the risk of accumulation can not be underestimated, 2014 years of running, the collapse of the platform reached 287. An internet financial personage pointed out that, according to the CBRC adjustment, this peer-to-peer and small loan, the financing guarantee institution together to regulate with the Finance Bureau, may imply that the CBRC's positioning of peer-to-peer is to solve small and medium-sized enterprises financing difficulties and rural financial problems such as micro-finance. Assuming that future regulation is specific to the platform business level, the spell will greatly limit some of the platforms that attract customers by big or high interest rates. "Even limits the business scope and the free innovation of the industry." "The concern is that peer-to-peer can flourish in just a few years, stimulating traditional finance into the internet, the fundamental reason is that the innovation of internet finance has tremendous explosive power." If the restriction is too tight, in addition to cracking down on some irregular operators, it also blows the enthusiasm of the industry and the innovative impetus that harms the development of the industry. "However, the company that really wants to be bigger and stronger is not afraid of change, but will expect and embrace such changes and trends." Huang, chairman of the renowned Peer-to-peer platform in Shanghai, said that the spring of Internet finance had only just begun, and that with the optimization of industry regulations and norms, more excellent companies and business models that had withstood the market test would stand out. Huang more optimistic understanding is that the CBRC restructuring in addition to clear peer-to-peer management attribution, the name of Pu-hui finance also indicates that Internet lending is not only a simple loan financing, the future will assume more development mission and financial vision. 2014 Connaught Pound guest business to achieve explosive growth, trading scale of 2.3 billion, by virtue of the university students in the credit market, the establishment of the 6-year veteran platform by the peer more in-depth attention. Huang that it is "to sacrifice the size of the wind control" style, so that the company built a solid development framework, but also for the platform to increase the volume of business has laid a solid foundation. "The savage growth is bound to undergo shuffling, which is unavoidable in any industry, as is the case with internet finance." It is hoped that regulators will be able to carry out differentiated regulation, not engage in across, and allow the platforms to innovate within a modest range, as internet financeOnly by staying creative can we always be energetic. "Huang expressed his expectations of regulatory policy, and said that no matter how the competitive environment changes, the Connaught Pound will continue to put the interests of investors in the first place, through product and model innovation, closer to customer demand, to provide investors with a sound product line and portfolio.