From thousands to thousands of loans: suddenly as the spring breeze again?

If God wants to destroy it, he will make it crazy first. This sentence is the past few years, the true portrayal of the World War, from the beginning of 2010 to 2011 years, due to the pursuit of capital and media speculation, the Chinese land to show thousands of various groups of group buying sites, a prosperous scene. Now two years in the past, the situation has become thousands of groups have withered, and eventually in the crazy money-burning competition survived the group of few sites.

History is always strikingly similar, capital has been chasing hot spots, blowing bubbles, wait until the bubble burst, and quickly into silence, waiting for the next hot spot. With Ali's balance treasure lit people on the internet financial enthusiasm, peer-to-peer network lending platform quickly by the pro-Lai capital, become the latest hot. As a then, all kinds of peer-to-peer network loan platform with the same year's group purchase site, as suddenly as the spring breeze, thousand tree million pear blossom.

Now the network loan platform hot and the same year's group buying site has many similarities.

First of all, the concept of both is a rapid warming, in the Ali balance treasure turned out overnight, the media on the concept of Internet finance continued to rise, just last week, a portal technology channel for two consecutive days headlines are focused on peer-to-peer network loans. So has been quietly developed for many years of the network loan platform through the Dongfeng, quickly into people's vision.

The second is to enter the threshold of low, 11 set up a group buying site may be thousands of blocks are not used. Several people, buy a program, buy a virtual host, a "XX Regiment" was born. Now, the same is a few people, buy a program, buy a host, a "XX loan" can be online. As a result, we quickly saw the birth of hundreds of web loans. And such a low threshold, but also led to a large number of unreliable platform of the birth.

Finally, the whole industry mixed, in a melee situation. A sudden red explosion of a new industry will inevitably lead to all types of force into the fight. In the rise of group buying, in addition to the independent group purchase website, the electric business platform, social platforms, reviews sites and even portals have launched group buying channels, want a piece. Today's net loan can be said to be in the night before the scuffle, but has seen many giants, including Jingdong, began in the Peer-to-peer field layout, all kinds of network loan platform in the near future will inevitably erupt a fierce fighting, considering the scale of the financial industry, the severity of the war with the Thousand-Regiment war may be even more than.

However, the net loan platform is more difficult than the group buying website.

The first is policy risk. A few years ago, the development of network loan platform is slow, the biggest constraint factor is policy uncertainty, too high policy risk let capital dare not enter. Although the State Council to encourage private capital to enter the financial services industry, the policy of the basic tone, the continuous burst of policy positive also gradually dispel everyone's concern, but in China to do internet finance, policy risk whenever it is the most influential factor in the industry.

The second is the lack of regulation. There is clearly a huge market for personal credit that banks cannot serve, and now the scale of personal credit on the Internet may be hundreds of billions, so large that industry regulation is almost blank. Many of the network loan platform, are claiming their platform is very safe, bad debt rate, so that everyone can rest assured investment. However, because of the lack of supervision, the real situation is not known, there are even a lot of net loan platform in order to improve trading volume violations, the introduction of a large number of High-yield "Sky standard", in such a platform investment, in addition to prayer sites do not donate money, what can we do?

In addition, the net loan platform to face a stronger opponent than group buying. Buy the fight more or in the Internet field, and in the financial sector of the network loan platform in addition to face the internet giants such as the oppression, but also beware of financial giants rebound, after all, the financial industry cake is not so easy to point, That's why Alibaba has done so much to make some attempts in the financial sector. is peace not already on the Internet loan platform to invest more?

Finally, the network loan platform is very important to the credit risk control. In addition to the advantages of the network, such as a small number of online loans under the loan project platform, including all loans, Pat credit and so on most of the lending platform of the loan projects are mostly their own development, which for the network loan platform risk control ability requirements are very high, a little careless, there may be a large area of bad debts. It is not surprising to see a large number of net-loan platforms fail.

The same night the red lead to capital Chase, the same face rapidly rising market competition, in addition, the network loan platform to face more than a lot of policy, supervision and other risks and difficulties, it can be said that the net loan war has just begun.

Thousand Trees joyful Spring Breeze Xu, the future rugged get a few sticks bloom?