Bank executives start Peer-to-peer: Counter-Rob Bank jobs

Author: Ying

How hot is the Peer-to-peer? Even the provincial vice president of state-owned banks has come to business. Recently, a peer-to-peer platform called financing Easy online, and with the current thousands of different platforms, the founder of this platform is the former Agricultural Bank of Guangdong Province, vice president of the former Bank of Guangzhou, Li Yi-wen.

In addition to the pioneering staff for the bank's former senior management talent, the platform is also a breakthrough in the industry to start cooperation with the bank. South all reporters learned that the platform is currently working with village and township banks, by the village and township banks for the platform to provide project recommendations and guarantees. NET Loan Family CEO Xu Hongwei in an interview, said that in the past, village and township banks in order to solve the problem of funds, the general package of high-quality items sold to the capital abundant state-owned large, to solve the deposit short board. Now that P 2P is involved, it will undoubtedly preempt some of the country's big-business-owned cakes, a model that will hit the banks ' interbank business.

Bank executives bullish on Peer-to-peer

This year, the "collapse of the tide" and policy sensitive period has not slowed down the platform's online speed. In the continuous expansion of the scale of the platform, the industry giants to enter the grassroots network loan platform is gradually improving the threshold, while the original and humble network loan platform began to gradually release its market space, lured the traditional financial industry to abandon the rice bowl, into the peer-to-peer industry. September 26, a peer-to-peer platform called "Financing easy" on the line in Guangzhou, and now has thousands of different platforms, the founder of this platform is the former Agricultural Bank of Guangdong Province, vice president of the former Bank of Guangzhou, Li Yi-wen.

In fact, although the past two years, with Peer-to-peer entrepreneurship in full swing, from the bank to the Peer-to-peer is nothing new, but from the current domestic peer-to-peer platform, the entrepreneurial team with the former state-owned bank provincial vice president of the situation is very rare. From the traditional large state-owned banks, turned to the grassroots Peer-to-peer platform, Li Yi-wen in the interview with the south, said the biggest reason is to see Peer-to-peer industry market space is very large. "Peer-to-peer platform in fact similar to traditional banks, are to solve the financing problem, but Peer-to-peer due to join the Internet, can more directly realize the direct docking of funds, higher efficiency." "In the Li Yi-wen of decades of financial work, at present, there are two problems in China's finance, one is that small and medium-sized enterprises, although there is a large number of financing needs, but because the credit system is imperfect and so on, it is difficult to obtain loans from the bank;

"P 2P platform is actually similar to the traditional bank, is to solve the financing problem, but the P 2P because of joining the Internet, can be more directly to achieve the direct docking of funds, higher efficiency." Li Yi-wen said, compared to the current traditional banking and other financial management methods, p 2P yield is undoubtedly attractive to investors, and the practice of the State, p 2P is also in line with the current trend of financial media.

Less than 3-6 months ' loan risk

Despite the industry's bullish outlook, this is certainly the worst of times for Peer-to-peer. The industry has been questioned by the incessant running events. South reporters rough statistics, this year, the number of problems platform has reached 101. For the industry's escape phenomenon, Li Yi-wen that, compared to the total number, the run is still a minority, and the running platform many problems such as the integration of the platform, at present, most of the platform is still normal operation.

"As the internet finance, peer-to-peer should be ça, financial wind control issues should be the most important." "Financing Easy CEO Xu Kofei for the electrical business origin, in the interview with South reporters that the wind control is peer-to-peer sustainable development of the basic."

Li Yi-wen that, from the policy perspective, the current regulatory level for Peer-to-peer is still encouraging development, and to sustainable development, the platform must be from the outset in accordance with the regulation of the capital pool, does not involve illegal fund-raising, only to do information intermediary and other red line operation.

In specific business operations, in his view, in view of the financing characteristics and application characteristics of small and medium-sized enterprises, the current Peer-to-peer platform still has to find the project through the offline way, and introduce the third party guarantee, with the continuous accumulation of data, after having enough data, can gradually transition to the pure online mode. And for the enterprise's single loan amount, Li Yi-wen that more than 300,000, 1 million of the following single size is a peer-to-peer platform should be the first to solve the financing needs, this interval is the bank to the platform for the gap market, but also Peer-to-peer platform wind control can withstand the range. In terms of the deadline, he said, 3-6 months is the best time to monitor the changes in the operation of small and medium micro-enterprises.

It is reported that in order to control the project wind control, financing easy to set up a professional due diligence team, the Project for field investigation, the People's bank credit system, the Ministry of Public Security ID system, tax system and customs and other systems for investigation, and must have a team of wind control review and verification, the Wind Control Committee for approval

The bank provides the project and provides the guarantee

South reporters learned that, and a number of platforms similar to the beginning of the line, in addition to through their own team to find projects, financing easy to also actively cooperate with the Third-party platform. At present, and a number of state-owned banks, microfinance companies, guarantee companies and other financial institutions signed a strategic cooperation agreement. South reporters in the platform to see, the most notable of which is the cooperation with village and township banks. Among them, yesterday hangs out of a single financing amount of 1 million yuan of large-scale building materials enterprise financing projects, the annual rate of 13%, and the project's guarantee party for Guangzhou Conghua Liu Ban Village Bank.

It is reported that in the case of Peer-to-peer platform risk, the bank is very cautious with peer-to-peer cooperation, even if only to provide fund hosting has not broken through, the provision of security in the industry is more rare. "In fact, the project's referral side is also Liu Ban Village Bank." Li Yi-wen introduced the cooperation between the two sides, said that for the villages and towns, channel sinking, roots master a large number of high-quality projects, but limited to the source of deposits, loan ratio limit the expansion of the business, and peer-to-peer cooperation just solved the problem of its funds, village and township banks can transfer the table business to the table, not only the maintenance of customers, At the same time can also charge a certain service charge, kill birds with the same.

Li Yi-wen introduced, the village bank in this respect has the very big demand, on-line half many months, with Liu Ban cooperation scale reaches 5 million yuan, Daily has the new project on-line. And at present the financing is easy also lies in Guangzhou many other villages and towns to carry on the contact negotiation, this model is hopeful with more banks to carry out.

And for Peer-to-peer platform, in the current industry development of mixed conditions, can cooperate with the bank, no doubt for the platform has played a very good letter-adding role. NET loan Home ce o Xu Hongwei in an interview, said that in the past, village and township banks in order to solve the problem of funds, the general quality of the project packaging sold to the large state-owned big bank, to solve deposit short plate, this model in the industry called F2F. Now Peer-to-peer began to intervene, will undoubtedly occupy the state-owned big line in the above business part of the cake, this model will impact the banking business.