National character head into the bureau to accelerate the industry shuffle peer-to-peer bubble Overflow

The tide receded to find out who was swimming naked. For the popularity of the Peer-to-peer, the tide is still rising rapidly, but there have been beach-goers exposed the posture of nude swimming, from time to exposure to fraud, "run away" and other scandals, so that the investors chase the dream of a profit.

In the Internet financial Outlet, peer-to-peer this concept can still fly far? With the fierce competition in the market, who will really win in the shuffle?

"Run away" incidents frequently

Along with Peer-to-peer (peer-to-peer) Net loan is hot, the "Escape" list is also constantly refreshed.

The whole "11" Golden Week, the country has taken place in Wenzhou "Rong Yi Wealth" and other 5 starting road events.

In fact, for Peer-to-peer, the escape is no longer new. According to the network loan home monitoring data, from 2013 up to the first half of this year, the country has 122 platforms have broken capital chain, arrears, running and other issues.

Many of the running cases, the net win the world-wide funding, the company accumulated 167 million yuan to unknown, 1009 victims, recently filed for trial, known as Peer-to-peer network loan first case. But the head of the company was still at large, and the trial defendants denied "illegal fund-raising".

Before this, the hardest hit areas in Guangdong, Zhejiang and Jiangsu are relatively active in private capital, but this year, the Beijing area has also begun a peer-to-peer run problem.

But the industry has mixed views on the incident.

"Most of the getaway is False peer-to-peer, where is the Peer-to-peer." "A peer-to-peer start-up company told reporters that Peer-to-peer nearly two years of rapid development, but the whole industry is a mixed bag, some people are also followed in the money, but the goal is not to do a good job for a long time a company."

The person said that peer-to-peer industry seems to be very low threshold, it is easy to come in, but to survive, the company is difficult to do, faced with too many aspects of the problem, such as financing projects, risk control, the search for users and so on.

"Some peer-to-peer is illegal fund-raising, just in the guise of internet finance." "An internet industry insider told reporters that internet finance has become an opportunity for speculation and even illegal activities, with the industry saying, in this tuyere," a lot of pigs are flying up, but now some are starting to fall down. ”

A peer-to-peer company in Shenzhen, who declined to be named, told reporters that the industry is not yet formalized and there are chaotic images. "Some peer-to-peer companies violate the operation, in fact, there is no debt, the production of false claims for people to vote, and some platforms use peer-to-peer for self-integration, and some companies do not have the strength, mismanagement, resulting in runaway risk, and then have to run." ”

Internet Booster

For Peer-to-peer industry, the balance treasure detonated internet finance is undoubtedly a powerful booster.

"Peer-to-peer can develop rapidly, thanks in large part to the balance treasure." "The Peer-to-peer entrepreneur told reporters that the balance treasure redefined people's consumption and financial habits, we found that in addition to bank deposits, but also through the Internet product management, and compared to the balance of products such as treasure, peer-to-peer investment returns higher, but also attract more and more investors."

In fact, Peer-to-peer in China has nearly 10 years of development, but has been relatively smooth development, 2013 was once defined as "the first year of internet finance", detonated the money fund, the public, peer-to-peer, internet banking and many other industries.

"For investors, setting aside a bank for a year is 3 points, do financial management is also 5-6 points, investment peer-to-peer, even low interest loans, the annual return can reach 8-9 points; for lenders, the information is more transparent, sometimes loans are even lower than the bank, and most importantly, Peer-to-peer is very convenient, fast, If the problem of public trust is solved, it is a revolution to the financial industry. The Shenzhen Peer-to-peer company said.

China Internet Association released the "2014 China Internet financial report" shows that 2013 ago, Peer-to-peer network loan platform number of less than 200, the total turnover of about 20 billion yuan, net loan investor size of about 50,000 people. It is a coterie game, either from the size of the investment or the number of participants.

After 2013, Peer-to-peer network loans to the average day to set up a platform to increase the speed, as of June 2014, the number of platforms reached 1263, half a year close to 100 billion yuan, close to the annual turnover of 2013, more than 290,000 effective investors, more than 3 times times before 2013.

Sadie Consultant analyst Xu Xian told reporters that the country has more than 2000 Peer-to-peer platform, on average, set up 3-4 a day, and this year's cumulative turnover is expected to increase to 200 billion yuan scale.

"The most significant change is the growing number of companies and groups with strong background, including state-owned, banks, listed companies, property developers, it giants and other diverse backgrounds." Xu Xian introduced, this September the new on-line Peer-to-peer platform, has 4 national capital background, 1 it listed company background enterprise.

How far can the Flying pig run?

In the Internet financial Outlet, peer-to-peer this concept can still fly far?

"When to shuffle is hard to say. "Shenzhen Peer-to-peer companies believe that the more likely situation is that the CBRC issued relevant detailed, more stringent measures, there may be market adjustments, if the regulatory requirements are not very high, most of the peer-to-peer approach can still exist." "But the likelihood of a big death is not too great as soon as regulatory policy is introduced, and regulatory policies may raise barriers to entry." ”

The person believes that peer-to-peer can refer to the trust process. The trust is also at first more than 1000, after a few processes, now there are only more than 60. "The current tone is not to issue licences, but it is unclear whether licences will be issued in the next few years or more than 10 years." ”

Chen, a professor at the Cheung Kong Business School, argues that as there is still a serious financial tilt, it cannot change anytime soon, so internet finance, including Peer-to-peer, has a lot of room to grow. However, to do a good job of internet finance, the need to address risk control, credit and other core financial issues, this time with large data and cloud computing capabilities of the platform companies, will have more advantages.

Network loan platform Block Box people told reporters, "at present the whole industry is still positive to the good, but also in the industry to do the hot stage." Although the state does not have a clear regulatory policy, but in the big frame direction, or support peer-to-peer financial business innovation. ”

"In the entire industry regularization, shuffle, peer-to-peer industry space is still very large." The Shenzhen Peer-to-peer company said.

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Who is the last winner

Along with the Peer-to-peer hot, the admission of gold miners more and more, in addition to the early Peer-to-peer entrepreneurs, including traditional financial institutions, internet companies, venture capital and so have flocked to the peer-to-peer industry. From the beginning of this year, many Peer-to-peer platform to start a round, b round of financing, and even some of the platform to release the wind to the listing financing.

Meanwhile, internet companies are starting to lay out the market.

In early April this year, Ali Small Micro Financial services group (currently has changed its name ant) set up a "treasure" platform, as the balance treasure after the second internet finance, began to operate as a platform, access to more third-party funds, insurance and other financial institutions, the return rate is also more than the balance of treasure before.

Another big internet giant Baidu Company, in "Hundred Hair", "hundred earn" and other fund product projects, also began to cut into the "consumer credit market", September Baidu hand over the Shadow, star United States and other institutions set up "hundred" become the first Test level, follow-up will also introduce more consumer credit platform.

In addition to the two giants, other internet companies and some IT investment agencies are beginning to cut into Peer-to-peer Internet finance.

September 2014, the Millet Company announced a peer-to-peer network loan platform building blocks box B round 37.19 million dollars in financing, and in February this year, the building block box won the Silver Thai capital of a round of financing, the scale of tens of millions of dollars.

October 15, Peer-to-peer Network loan vertical Community network loan Day announced, get Lenovo Holdings capital million dollar a round of financing, and June Lian Capital has made it clear that peer-to-peer industry still has a lot of room for development.

Up to now, there are twenty or thirty peer-to-peer platforms for VCs. But for Peer-to-peer regulation, there is still no relevant detailed policy. Many market voices believe that as the future of regulation tends to become clearer, peer-to-peer itself market structure optimization, restructuring, may lead to a new round of market reshuffle.

In the opinion of Sadie Consultant analyst Xu Xian, with all kinds of capital entering, the Peer-to-peer industry gradually divides into three camps, the big guy system, the tyrants system and the current hot wind investment system. However, the current access to the Peer-to-peer platform is not yet a perfect wind control capacity. "The wind system started late, because the overseas background may not be too grounded." Online research, compared to relying on third-party platforms and guarantee companies, their own lack of control, may face risks, but since the wind control and research network is not a day of work. "(Zhangxiaobin)