At present, the domestic peer-to-peer model is not mature, mainly in the high bad debt rate

In today's "Alipay Sharing Day", Ali small micro-finance Institute Dean Chen Dawei said, the current domestic peer-to-peer model is not mature, mainly in the high bad debt rate. If the future Ali can be a peer-to-peer rate of bad debts within 1%, can try to do peer-to-peer.

But Chen Dawei also said his point of view is only from the perspective of neutral research, as to whether Ali will do, when to do, but also need the business layer to decide.

Chen Dawei today on the topic of Internet finance, mainly introduced the third party payment, Peer-to-peer and public chip and other models of the development situation. For the current hot peer-to-peer industry, Chen Dawei that the domestic peer-to-peer model is still immature, mainly in the high bad debt rate. "If we don't see the news that Peer-to-peer bosses are running away, then the Peer-to-peer model may be ripe," he said. ”

"Wind control is always the first, and now banks can control the default rate of loans between 1% to 2%." If Ali can control the Peer-to-peer default rate to less than 1%, I think it can be done. Chen Dawei said. According to him, some famous peer-to-peer companies now have a bad debt rate of more than 2%, which is a big risk.

It is understood that the current Ali small loan default rate is 0.9%, and Alipay's asset loss rate is one out of 10,000.

Ali Small micro-finance group mainly includes small loans, third-party payments, insurance and security. Loan business that refers to Ali small micro-credit, mainly relying on Ali electric business platform trading data, for Ali merchants to provide micro-loans. If Ali opened a peer-to-peer business, it would mean that its loan business was no longer limited to Ali's electric-quotient ecosystem, but also to the conversion from B-side (corporate merchant) to C-side (individual user).