Peer-to-peer Internet Financial Outlook to create "civilian cock silk finance" era

"The father of microcredit", Professor Yunus (Bangladesh), was awarded the Nobel Peace Prize for his contribution to microfinance in 2006. For more than more than 30 years, its Gleimin bank has opened 2,226 branches around the world, helping 6.5 million people. Peer-to-peer (peer-to-peer) Official translation is "everyone loans", in China has more than 7 years of history, advocating and practicing the "everyone enjoys financial rights" innovation business, in China's vigorous development, the pattern of continuous alienation, the gradual impact of the traditional financial situation. According to the China Electronic Commerce Research Center (100EC. CN) data show: 21 Peer-to-peer transactions in the 3-year growth rate 81 times times, the borrower increased 8 times times; The number of peer-to-peer institutions has increased by 8 times times. Investment of more than 100,000 yuan accounted for more than 60% of the source, the current middle-end investors. The estimated loan period is 3 months, the loan amount is mainly distributed in 20,000-800,000, the main use is short-term operating capital turnover. According to the China Electronic Commerce Research Center special researcher, Zhejiang University Management Institute Wang Xiaoyi Associate Professor pointed out that at present, China's private capital into the formal financial transition business model includes: Investment banking companies, peer-to-peer Web sites, private equity companies, farmers specialized cooperatives, and other major types. Credit is everyone's natural intangible assets, foreign practice has proved that the poor also have credit, even better than the rich credit, but also lack of a release of credit value channels, which on the domestic credit system construction put forward a very high demand. The lagging development of personal financial services in China and the lack of individual investment channels have caused the problem of "more financing demand, more investment capital, harder financing and harder investment". and the rapid development of Peer-to-peer network lending, not only helped tens of thousands of small micro-enterprises to obtain funds, but also for a large number of individuals and families, opened up a sustainable and stable higher return of investment channels. From this point of view, Peer-to-peer undoubtedly broke through the "financial cage", creating a "civilian cock silk finance" era, Wang Xiaoyi, an associate professor. In this respect, the chairman of China Shen Group, Joint Loan (cunloan.com) founder Ye Shi Yu Peer-to-peer said, simply said that there is money and financial investment ideas, through intermediary agencies, using credit to lend money to other people in need, intermediary agencies responsible for the borrower's economic benefits, management level, The development prospect and so on the detailed investigation, collects the certain account management expense and the service expense. This operation is based on the "Contract law", which belongs to private lending, as long as the loan interest rate does not exceed the bank lending rate of 4 times times, is legal. With the Red Ridge ventures, million-Hui investment and integration, everyone loans, Lu Jin, such as a number of well-known Peer-to-peer lending platform, network finance gradually into the public vision. In this context, September 10 by the Sino-Shen Joint Holding Group Co., Ltd., Zhejiang Cunloan.com Asset Management Co., Ltd. operating peer-to-peer network financing platform-joint loan () announced online. This is the first domestic to take the line under the differential management, to promote capital integration "O2O model-style "Peer-to-peer platform. According to Ye Yuyu revealed that the composition of joint loan domain name, "Cunloan" for China UNite LOAN (Chinese joint credit) abbreviation, is also "deposit and loan" intention, the domain name can let ordinary people know the platform provided services, concise and clear. It is understood that in order to meet the public's financial needs of idle funds, "joint loan" financial services to start the threshold of only 100 yuan. Platform in the 2-month trial run on the acquisition of nearly million investors, plus the previous accumulation, the company is managing more than 500 million yuan of funds.