Last year Peer-to-peer problem platform 3.6 times times growth

Absrtact: Last year, the Peer-to-peer network loan platform is still in full swing, but behind the explosion of growth, the tide has been close to the shadow, the relevant data show that last year, the problem platform of up to 275, including many well-known Internet companies and cooperation platform. Year，

Last year, the Peer-to-peer network loan platform is still in full swing, but behind the explosion of growth, the tide of collapse has been closely linked, the relevant data show that last year, the problem platform of up to 275, of which there is no lack of cooperation with well-known Internet companies platform. This year, Peer-to-peer regulation is expected to be perfected, a field once seen as the star of small micro-enterprises can get rid of the "fraud" hat this year? No one can know, but this year, Peer-to-peer network lending or will usher in a great test.

Risk concentration outbreak last year 3.6 times times the number of platforms in 2013

2014, more and more people began to see the Peer-to-peer platform as an investment banking channel, its victory over the profitability of banking products, won the favor of many investors, even the new on-line Peer-to-peer platform products can be sold for a few seconds.

However, the Peer-to-peer network lending high-speed development behind, is the concentration of risk outbreak. Third-party data platform Network loan data show that the new online loan platform in 2014 more than 900, the average registered capital of about 27.84 million yuan, compared to 2013 13.57 million yuan growth of 1 time times; IS 3.6 times times 2013, of which only the December problem platform is as high as 92, more than the 2013 annual number. In 2014, all problem platforms caused investors to lose about 6 billion yuan.

Beijing Morning News reporter statistics found that nearly half of the problem platform is suspected of running, fraud, and the on-line only more than the platform more than a month, and some even on the line a few days on the run phenomenon.

"Run and scam platform is often on the line for a month or two, circle to the money immediately after the run, and the online more than 1 years of problems, often in itself is to do a good job platform, but ultimately poorly run." An industry insider told reporters frankly.

NET loan home analysis that, by the economic and financial environment, the end of last year, the borrower overdue, the phenomenon of frequent, coupled with a series of platform failures and stock market cattle impact, investors have withdrawn funds, the network loan industry faces high cash pressure, many platforms are exposed to difficulties.

is not the patent of Xiaoping Sina and Sohu also all recruit son

Peer-to-peer platform problems, it does not seem to be a ping-tai patent. Recently, Sina, Sohu Two well-known portals of the financial management platform are also "in the Set" Peer-to-peer project. While both platforms end up with promises of rigidity, the risk of peer-to-peer projects has been exposed.

Previously, and Sina's Sina micro-wealth cooperation with the network of Peer-to-peer platform in the online, at the end of last year to raise the difficulties, involving an amount of up to more than 50 million yuan. Sina's micro-wealth had to "fallback" from its own pocket, and Sina's transaction fees for the project were only 33 million yuan.

Shortly thereafter, Sohu's Peer-to-peer platform is also exposed to the real estate company Jia Zhao Industry cooperation, "down payment loan" project problems. As a guarantor of the good trillion industry this year has repeatedly reported negative, and with the search and loan cooperation of many real estate projects by the government "lock", the risk is exposed. However, the subsequent seizure of the loan issued a notice that the project will be "fallback", and currently there is no delay in repayment or bad debts.

"In fact, everyone wants to break the rigid financial market in China, but who do not want to be the first one." "A Peer-to-peer platform CEO told the Beijing Morning News reporter that the CBRC has been slow to introduce a Peer-to-peer platform regulation policy, one reason may be to want to teach investors ' ego" and break the rigidity of China's financial market by Peer-to-peer platform, "but for the prestigious Peer-to-peer platform, Prefer to fallback their own pockets rather than lose the reputation of the industry. This is one of the reasons that the current peer-to-peer seemingly fiery, but few platforms can be profitable. ”

Data show that by the end of 2014, the network loan operating platform has reached 1575, the cumulative turnover of up to 252.8 billion yuan, is 2.39 times times 2013. And the wind investment, large funds followed, but also let this area appear vibrant. Since 2014, banks, state-owned enterprises, listed companies, wind investment has been pouring into the network loan industry, accelerate the distribution of network loans industry, but the real profitability of the platform is very few.

Supervision has been delayed "the CBRC has submitted a draft version but it has not been approved"

Peer-to-peer industry risks are frequent, but regulation has been slow to show. Not only has a year of peer-to-peer regulation been discussed last year, but the Internet Finance Association, which has been rumoured to have been led by the central bank, has not heard much. Regulation of dystocia, but also give peer-to-peer industry a dance feast opportunity.

According to industry experts, regulatory rules have not been out, may be mainly entangled in the Internet financial Innovation regulatory standards how to grasp, too strict may stifle innovation.

Du Xiaoshan, the father of microfinance in China, says that Peer-to-peer is more complex and wide-ranging than other Internet financial sectors, so it is difficult to make regulations. "The CBRC has actually handed over a draft version of the State Council, but it has not been approved, and the CBRC should be actively revising it." "Du Xiaoshan expects the regulations to be introduced in the first half of this year.

The CBRC's overall regulatory programme has not been developed, but local regulation has been in place. Recently, the preparation of the six-year-long Beijing Network Loan Industry Association announced the establishment. It is reported that the Beijing network loan industry supervision will be based on product registration, information disclosure, funds custody of the three major principles of supervision. and the association adopted the "Beijing Network Loan Industry Association of the Constitution" reiterated that the three regulatory measures, will be through the "Beijing Network Loan Industry Association self-discipline Convention" landing implementation. And Shanghai's Peer-to-peer enterprises are actively promoting the industry self-discipline, the establishment of the Shanghai Network Credit Services Business Alliance, issued the "Network credit industry standards." Guangdong Internet Financial Association member units also signed the "Guangdong Internet Financial Association self-discipline Convention."

Self-discipline is already an important choice for peer-to-peer platforms. Many peer-to-peer or choose to hold a group to keep warm, or choose to cooperate with the bank, and strive to establish their own good image in the period of the unregulated vacuum. A few days ago, Yi Xin signed a contract with CITIC Bank, and entrusted funds to Citic Bank.

In addition, some experts believe that the Peer-to-peer industry in-depth shuffle period is coming, estimated three years later, the industry left about 100. And investors in the choice of Peer-to-peer platform, must be cautious, do not take the risk of high returns. Experts suggest that investors in financial investment must choose a strong shareholder background, a platform of scale, not only to see high returns.