Guo Zi P2P platform emerge

Each journalist Zhu Dandan came from Beijing

More and more "Guo Zihao" P2P investment and financing platform began to come out.

Following the Kim Loan, a social financial service platform in Shaanxi Province, another internet finance platform with state-owned enterprises, Ubisoft Financial, has recently been put into operation. The platform is invested by Haidian District State-owned Assets Management Co., Ltd. in Beijing.

In response, many industry analysts pointed out that "optimistic about the state-owned P2P is a positive signal for the industry, indicating that P2P has been recognized at a better level, the future GuoZiNao and bank background P2P more and more is a big trend." "

It is worth mentioning that, "Daily Economic News" reporter noted that the background of the banking sector and state-owned P2P platform, the expected annualized return rate is generally below 10%, while other P2P platforms, the expected annualized return on average about 14% . In this regard, E micro-loan CEO Lu Langtao told reporters that P2P interest rates and financing costs return to a reasonable level is the trend. However, P2P interest rates are hard to come down in a short time.

Guo Zihao platform emerge

Since entering China, P2P Internet Loans platform, this Internet financial model is more with a strong private color. With the increasing popularity of Internet finance, state-owned enterprises and banks have gradually taken aim at this industry.

Following the Kim Loan, a social financial service platform in Shaanxi Province, another internet finance platform with state-owned enterprises, Ubisoft Financial, has recently been put into operation. The platform is invested by Haidian District State-owned Assets Management Co., Ltd. in Beijing.

The platform is approved by the Beijing Office of Finance, Beijing Haidian District, State-owned Assets Investment Management Co., Ltd. investment, Beijing UTS Financial Information Services Co., Ltd. is responsible for the operation of state-owned P2P financial platform.The expected annual interest rate platform up to 12% 15%, released the first P2P financial project - Clean Energy Wei-1, successfully raised 10 million standard within 12 hours.At present, Ubisoft Financial has launched APP client, support for iOS and Android systems, but also will soon launch the WEB side "UTS financial-related responsible person introduced Road.

Talking about the risk control, the responsible person further pointed out that except for the background of the state-owned assets, the creditor's rights items of UBS Financial have been subject to a rigorous offline audit and provided by the third-party guarantee agencies such as State-owned financing guarantee companies Secured and paid by a third party company hosting funds account.

More importantly, the company's financing funds are used for investment in the industry, all debt items belong to the state's key development of environmental protection and new energy industry, the loan is real and effective, real-time disclosure of project progress, investors can always concerned about the purpose of funds. In addition, in order to meet the investors' demand for capital liquidity, UBS Financial ad hoc secondary transfer market can realize the transfer of claims and fulfill them at any time. The official said.

In response, Xu Hongwei, chief executive of Net Loan House, pointed out that the entry of state-owned capital into this sector is a positive signal to the industry that P2P has been recognized at a better level. This has injected confidence and positive energy into practitioners in the industry, and the next industry should usher in a wave of greater development and growth.

Or there will be more GuoZuoZhao P2P platform appears

The Daily Economic News reporter found that at present, the P2P network platform for state-owned assets includes the gold-backed loans wholly owned by Shaanxi Financial Holding Group and the U-letter Financial Co. invested by Haidian District State-owned Assets Investment Management Co., Ltd., etc.; The existing bank-based P2P platform probably has the following three modes: First, the bank self-built P2P platform, such as small business e-Merchants Bank; Second, the subsidiary invested shares of the new independent P2P companies, Loan; third is the independent P2P company set up by the bank where the bank, such as Lu Jin and monks in preparation for the Teng letter.

"The increasing number of pokies and bank backgrounds in the future is a big trend because state-owned enterprises and banks also want to enrich their products and business lines to better serve their clients while setting the bar in the barbaric P2P industry, Consolidate the brand, establish standards and norms. "Tan Yang, chief operating officer of Beijing UTS Financial Information Services Co., Ltd. pointed out.

E micro-loan CEO Lu Longtao also said that there will be more and more state-owned or bank platform appears, because the industry unabated, see clearly want to participate, but these companies or banks are more want to P2P Platform as a financing platform to do, mainly to solve the financing problem.

Qian Haili, an assistant analyst in the Internet Finance Division of China's E-commerce Research Center, pointed out to reporters: "Participants in the market are fame and fortune. The out-of-the-road phenomenon in the P2P industry has caused the credit rating of online loan platforms to plummet. State-owned assets and banks Join to increase the credibility of the platform.And P2P business really had a certain impact on the bank.

P2P industry interest rates fell into the trend

According to the latest loan network home on June 29, the current average daily P2P platform investment average annualized return of 13.56%, of which the maximum net yield of 32.79%. However, the interest rate of the banking system or state-owned enterprises in the background is generally below 10%. For instance, the annualized interest rate of Kaixin Loan Project, a wholly-owned subsidiary of CDB, is about 9%. The annualized interest rate of Jin Kai Loans is mostly 8.05%. So, the background of state-owned assets and bank P2P will not lower the entire industry interest rates do?

"Individuals do not think that the nature of financial products is risk pricing.Risk-free interest rate is the origin of financial assets pricing, at the origin, the higher the risk, the greater the income.So, the state-owned enterprises and bank background P2P platform, with Relatively more stringent risk control system, more standardized operating procedures, more powerful credit endorsement, no doubt than most of the market P2P platform has a better security, so the relatively low yield is normal, it will not be pulled down P2P industry interest rates for lenders, investors, the relatively low interest rate but high security of state-owned P2P claims, expanding their options to enrich the market, but also makes investment more sustainable. "Tan Yang pointed out .

Qian Haili pointed out that if the platform wants to reduce the investment risk, it can only invest in better projects or small and medium-sized enterprises, which will inevitably reduce the return to investors. At the current policy is gradually clear, investors return to rational stage, those with high returns The platform to attract investment and invest in high-risk projects will sooner or later make ends meet. Can not have both fish and bear's paw, the decline in interest rates will make the entire industry on track, the development of the industry will also tend to be flat.

Lu Langtao also told the Daily Economic News reporter that the return of P2P interest rates and financing costs to a reasonable level is the trend of the times. However, P2P interest rates are hard to come down in a short time. Personally think that the reasonable interest rate level in the industry should now be around 12%, which guarantees both lenders and borrowers, while the higher interest rate level will hurt both parties to the transaction. The higher the profit, the greater the risk. This is an investor's sense of risk. Investors should return to being rational in accepting reasonable interest rate returns. This will benefit the future development of the industry. Excessive interest rate earnings expectations for the development of the industry may be fatal, as it will lead to increased business risk management, and even lead to the outbreak of systemic risk.