P2P net loan industry or gradually maturing

Each journalist Zhu Dandan came from Beijing

After a period of brutal growth, P2P net loan industry gradually matured, while traditional financial institutions, listed companies to enter the industry, the heat diminished, and even "state-owned assets" have begun to get involved.

Yesterday (July 28), "Daily Economic News" reporter was informed that the Internet financial platform Huaguo Financial announced that it has accepted the first round of strategic investments from Blue Fund (Blue Economic Zone Industrial Investment Fund) and Capital Science and Technology Group.

"Blue Fund and Capital Technology Group's strategic investment in Huaguo, indicating that the smell of state-owned capital is increasingly entering the fiery area of ​​Internet finance, P2P development is receiving the attention of all parties, which will help this An industry to get more policy support, will also promote the sunshine of P2P and Internet finance standardization. "Huiji financial CEO Hui Yi pointed out.

For P2P favored by the big capital, many professionals pointed out that the main reason is P2P regulatory details will be introduced, the industry gradually clear. At the same time, also shows that the industry has inevitably entered the reshuffle period, a platform for large capital injection will be the first to break through. However, several venture capital, state-owned assets, banks, listed companies, such as the entry, and can not solve the trust crisis throughout the P2P industry.

The first round of investment amounted to tens of millions

"Daily Economic News" reporter learned from Huaguo Finance Department, the first round of investment was the amount of tens of millions of yuan, the use of standard forms of equity investment, investments through the Blue Fund and Capital Technology Group jointly managed Haike Fund carry out.

According to reports, the Blue Fund is approved by the National Development and Reform Commission set up a state-level industrial investment funds, the total fund size of 30 billion yuan, is China's largest industrial investment fund. All along, Blue Fund is actively involved in emerging industries and access threshold industry restructuring, restructuring, listing and mergers and acquisitions, the investment Huaguo Finance, is also the first time involved in the Internet finance industry. The other investor, Capital Technology Group, is one of the five major equity investment platforms of the Beijing municipal government. It mainly provides financial support for major projects such as equity investment.

"This marriage of capital with Blue Capital and Capital Science and Technology Group is not only a financial support provided by fancy capital, but also a link between Internet finance and the real economy industrial chain through closer integration with industrial capital so as to form a safer, Reliable and sustainable Internet financial business closed-loop. "Hui Yi pointed out.

Hui Yi pointed out that the investors mainly focus on several aspects of Huaguo Finance: First of all, recognize the platform in the P2P field of professional team and complementary experience, three founders, in their respective fields have had successful entrepreneurial experience. Secondly, the resources and capabilities are more complementary. The platform set up a very complete online P2P business system within half a year and has established a very high reputation and reputation among investors. In addition, the platform in the wind-end support system is also recognized by investors.

So, this round of access to this round of strategic investment funds will be used in what areas? Next round of financing about when?

Hui Yi told the "Daily Economic News" reporter pointed out that the purpose of this round of financing is to expand cooperation on the one hand, increase the platform of partners, and gradually establish its own closed-loop transactions; the other hand, to expand market share and promote Huaguo financial brand building, go deep into the investors, let them understand the financial and P2P net loans; the last, strengthen the financial control team Huaguo finance and enhance risk control capabilities.

Yi Yi further said that the next round of financing will not be too far, the financing quota is not convenient to explain.

Big capital has set foot in P2P

Since the beginning of this year, the P2P industry has seen the emergence of large capital (state-owned assets, traditional financial institutions and industrial giants) intensively. For example, the Panda Fireworks listed on the Bank's Silver Lake Network, 91 Haitong Securities Investment Finance, Wushu Network and GF Securities Investment Strategic Cooperation, etc. , P2P capital wars seem to have entered a more intense competitive era.

"Internet finance has a huge impact on traditional finance. However, as a model of financial innovation, P2P network loans have huge imagination. The regulatory authorities and regulatory principles have been set and regulatory details are also coming out, indicating that the industry has been developing very well Clear, it is the right time for big capital and big institutions to enter, "said Hong Zihua, a palm tree researcher at P2P research consultancy.

Qian Haili, an assistant analyst for Internet Finance at the China Electronic Commerce Research Center, pointed out that the continuing trend of P2P platform highlights the trend of the industry, the gradual formation of the industry scale and great interests, and the profit-driven nature of capital P2P industry began to usher in a wave of financing. At present, many state-owned assets have entered the industry and the P2P network loan platform is becoming more and more compliant and regularized.

So, state-owned, traditional financial institutions to enter the P2P industry can solve the crisis of confidence?

"Trust crisis is not a few venture capital, state-owned assets, banks can be involved in intervention can only be slightly mitigated the impact of the crisis of confidence .P2P industry is so large, now over 2000, the key is timely introduction of regulatory policies, Standardize the industry's "three noes" state, so that platform returns and investors return to rational. "Qian Haili analysis pointed out.

Short Financial Network CEO Wang Kun told "Daily Economic News" reporter pointed out that the access to large capital to expand Internet financial crowd is helpful, but the nature of the development of the industry in fact no particular positive effect.

Wang Kun believes that P2P industry has not reached the level of the crisis of confidence, the problem has been enlarged. Compared with the financing of the entire industry, the amount of default is still relatively low. Second, the P2P industry has not yet become a reality, financial management is still very small, probably only hundreds of thousands of people do P2P financial management on the Internet, the industry is still in its early stages.