Listed companies compete P2P

Wang Ying Zhang Jing Yi

Hot spots involved in the concept of A-share listed companies has always been the style. In the current P2P industry in full swing, as a listed company in the capital market, naturally will not forget to "share."

Recently, a number of listed companies have tested P2P net loans, some of which are already on the platform, and some are still under planning, listed companies involved in P2P as if into the air. Insiders said to the "First Financial Daily" that P2P companies, which are favored by listed companies, will have a Matthew effect of "polarization" in the future: speeding up the road and strengthening the strong will help promote the standardization of the industry. And for the lack of Internet finance business experience of listed companies, can serve the investors become the focus of the market.

Listed companies compete P2P

As last year, listed companies competing for small loans, this year, listed companies for the moment the fire is very P2P industry showed a high enthusiasm.

July 1, by Panda Fireworks (600599.SH) to spend 100000000 yuan on the P2P platform Silver Lake online line, check the website found that the subject of borrowing in the 20000-10000 range, the annual interest rate of 12% to 17% between.

On the same day, UFIDA (600588.SH) issued a notice that the board of directors of the company approved the proposal of setting up Shenzhen Qianhai UFIDA Financial Services Exchange Co., Ltd. According to the plan, the company was jointly established by UFIDA Software Co., Ltd., Shenzhen UFIDA Co., Ltd., Beijing UFIDA (Limited Partnership) and Shenzhen Heli Chengbang Investment Management Center (Limited Partnership) with a registered capital of 25 million UFIDA Capital contribution of 15 million yuan, the scope of business including financial product development and portfolio design, investment and financing information consulting and business management services.

After the news release, UFIDA software limit. July 1 trading Billboard data show that the day's turnover of 440 million yuan, the first five trading seats bought a total net purchase of 112 million yuan. One of the institutional large-scale buying seats 30,788,600 yuan, accounting for 7% of the turnover. UBS Securities immediately released research report said on Wednesday, UF group in the market credibility, risk control and loan customers have considerable advantages in scale, combined with the help of partner mode, the future will be accelerated platform.

UFIDA investment cooperation, so that listed companies P2P wave tide emerged a new trend. Previously, there are already a number of listed companies or powerful combination or corner overtaking "kill" into the early.

P2P network loans and investment and financing information service platform "Qianhai ideal financial" in May this year. The platform by the Zhejiang Press Holdings Group and Dalian Holdings (600747.SH), Kane shares (002012.SZ), Czech Republic shares (002021.SZ) jointly launched in March this year, including Zhejiang Long Guoyu Culture Communication Co., Ltd. and other At the same time, nine partners of Qianhai Ideal Financial Company cooperated with a total investment of 20 million yuan.

In June of this year, Wal-Mart Nuclear Material Co., Ltd. (002130.SZ) and Tianyuan Dike (300047.SZ), Hanergy (002583.SZ), Xingsen Technologies (002436.SZ) Section Lu Electronics (002121.SZ) and other Qi Fat announcement, the company and Shenzhen high-tech Venture Capital Co., Ltd. and a total of 10 companies, a joint venture to set up Shenzhen Peng Ding Chong Ying Financial Information Services Co., Ltd.. And just yesterday, had Run Electronics (00,2055) also announced that 20 million shares Pengding Chong earnings.

According to an analyst familiar with the aforesaid listed company, the company is led by the Shenzhen municipal government and is jointly established by a number of listed companies. In the future, more listed companies may gradually enter the market. "The government promotes and the listed companies make their investment and landing at Risk control is different from private P2P companies.For some listed companies, more for the purpose of financial investment-based, and the platform is divided into models for the performance is a block increment.

In contrast, non-group companies into P2P is not a single force. And more inter-bank into the listed company even want to borrow P2P craze, to achieve corner overtaking.

Founder Securities (601901.SH) and Shunwang Technology (300113.SZ) reached a strategic cooperation last month with internet financial products and internet promotion and other businesses. The two sides also announced that they will jointly establish P2P investment and financing platform. Shun network technology is relying on Internet cafes market Internet entertainment platform operators.

In addition, the real estate company Shuihao Wanjia (600576.SH) announced early last month that its subsidiary Zhejiang Zhonglian Online Asset Management Co., Ltd.'s Internet financial information service platform "Yellow River Finance" was officially launched. Official website currently launched a total of 64 investment projects, including regular treasure, live treasure and creditor's rights transfer.

Or promote the industry standardization

The "influx" of listed companies with financial and credit advantages, or the future blowout signal of P2P industry. However, listed companies as "outsiders" can bring the P2P industry into standardization and the listed companies' Consideration.

Zhang Boyu, chairman of Gimhae, gives three major positive benefits. First of all, strong financial strength and strong credit endorsement can effectively open up the market for investors. Second, for manufacturing enterprises, the effective linkage with the upstream and downstream enterprises is the supply chain finance In the end, the capital market itself has a broad scope. To a certain extent, the credit endorsement accumulated by the business can solve the problem of financial intermediation in a closed loop.

According to Qianhai ideal financial official website, all investment in the platform by Shenzhen Bao Xing Financing Guarantee Co., Ltd. and Zhejiang Huachang Investment Guarantee Co., Ltd. assume the full amount of principal and interest guarantee liability. Currently, the platform investment products mainly include annual deposit treasure, monthly profit two categories, has 10 online investment projects. According to the relevant responsible person of the above-mentioned partner company, it is easy to get involved in the field, and the investment is small and thus can get into emerging fields. The driving force mainly comes from good expectations of business development.

With more and more institutions joining, the P2P industry will strengthen the competitive landscape, raise the barriers to entry, and make the industry more healthy and orderly. However, it is yet to wait and see if there is "acclimatization" in the new situation.

"Internet cafes industry chain is a financial institution less involved in the huge blue ocean." Hongyuan Securities researcher Wang Fenghua in its research report, said the cooperation with Founder Securities Shun network technology will be business opportunities, diversion channels, customer promotion, etc. Help financial institutions. However, some analysts are cautious about this. According to analysts at CSC, Shun Shun Technology has yet to further observe the capabilities of cross-border users in terms of coincidence with user groups, conversion rates, user loyalty and liquidity in financial institutions .

"Whether listed companies can really understand the needs of Internet loan investors and do a good job in internet financial services remains to be observed." Shi Pengfeng, chief operating officer of Net Credit House, said effective service network investors will become the fundamental basis for listed companies to establish a foothold in the P2P industry. In addition, the borrower side there is greater industry differences and geographical differences, listed companies and small businesses need a strong and grounded risk control team. "For the borrower's resources development, audit capabilities, risk control ability requires listed companies are highly concerned." Shi-Feng Shi said.

Shun Wang Technology related person in charge of the "First Financial Daily" said that at present the company's latest developments for P2P platform business has not been announced, the company intends to use the platform to try to open up new business model, and details such as wind control is not yet convenient disclose.

"The company does not invest heavily in P2P lending business and does not participate in the direct operation of P2P for the sole purpose of financial investment," said an industry analyst familiar with one of the listed companies that invested in Qianhai's ideal financial platform. "First Financial Daily."

PIONEER PIONEER listed companies that invest in PIONEER all pointed out in the announcement that the Company invested in mobile internet finance in the area of ​​mobile Internet, which is different from the main business of the Company and the lack of experience of the new business model by the Company and other shareholders , There is a certain management risk. For the industry is more concerned about the risk control measures, the announcement said it would introduce professional Internet finance talent through a variety of channels, establish a sound risk control mechanism. Pay attention to the changes of relevant state laws and regulations and policy guidelines and strictly abide by them.

Peng Yong believes that after two years of development, P2P has been at a watershed in polarization. Strong people will win the favor of the market and capital while the weak will eventually die out. "Capital intervention, regulatory promulgation, highlighting the advantages of the platform, will result in the transfer of large quantities of investment users, which led to poor management of poor quality platform for the flow of funds, resulting in the tide of closure was accelerated upward trend." Peng Yong said.

"When a listed company is doing P2P business, whether there is a pool of funds or whether the legal lending relationship is clear and other business compliance will be the focus of the relevant department's supervision rather than the nature of the company itself." Shi-Feng Shi told First Financial Daily that regulation The department will not be treated differently because of the company's main business, is the focus of P2P business practices.