Peer-to-peer platform to fight what to win

There has been such a statement: The Internet financial peer-to-peer platform to further develop, is 80% cock silk for 80% of cock silk service. This point of view, at the beginning of peer-to-peer development is indeed in line with the "market", but with peer-to-peer development, more and more listed companies, Internet predators, state-run, commercial banks to enter, Peer-to-peer industry is no longer the root of the mainstream. Into the 2014, the "Birth of a family" platform abound, it is everywhere.

"Grassroots system" peer-to-peer outbreak has a cause

Peer-to-peer grass-roots, mainly in two aspects, one is the low financial threshold, the second is the platform's own entry threshold low. Tracing the origins of Peer-to-peer can be found: Peer-to-peer is the first in Europe and the United States popular, through the Internet technology to let the financial media, so that borrowers to achieve rapid and low-cost financing, so that creditors get income, belong to civilian private lending. After entering the country, peer-to-peer as a branch of internet finance fire up, but the essence of private lending. Compared to traditional finance, the introduction of tens of thousands of yuan, Peer-to-peer platform to meet the majority of investors with small investment needs, become a "grassroots financial" representative.

Peer-to-peer platform Grassroots, on the other hand, is the platform of its own entry threshold low. Peer-to-peer spans both the Internet and finance industries. If the traditional financial means to regulate, then 90% of the "grassroots" Peer-to-peer platform will fall, easy to make the industry development loss of vitality. As a result, regulators are extremely cautious about peer-to-peer, and so far there is no rigid provision on the threshold for access to the platform. Low-cost registered capital, 0 threshold of access qualification, so that Peer-to-peer platform in the situation of the brutal growth, in quality is a mixed performance.

The "noble faction" will snatch half of the future.

At present, the number of Peer-to-peer platform has been more than 2000, but as the number of expansion, Peer-to-peer industry is no longer a grassroots group of the world, not only the wind investment stationed, but also ushered in a number of banking departments, state-funded departments and listed companies in the beach layout. These peer-to-peer platforms with strong backgrounds have been dubbed the "noble faction" by insiders.

"The family of the noble" compared to the "grassroots", the advantages are obvious. Although Peer-to-peer is the Internet play, but the core is still financial. And the core of finance is wind control. Relative to the grassroots platform, backed by the banking system, the state-owned and listed companies of the Peer-to-peer platform is the traditional financial market of the regular army, more capital, ability, experience to do a good job in the wind control link. At present, most of the grassroots platform is lack of resources, and lack of relevant experience, but also in order to save costs, not in the business too dependent on the cooperation mechanism is not a good wind control, invisible to increase the risk. The previous period of time the industry more popular loan 12.8 million overdue events, because it is too dependent on small loans companies, can not directly control the risk, visible this carte blanche small loan Company's business model itself has a great risk. Red Ridge venture into the billions of bad debts in accordance with the Bank management structure, the wind control system has been combed and reorganized. "The noble faction" often has the bank, the listed company and so on shareholder's capital and the experience, establishes at the beginning strictly according to the bank's wind control standard to build our wind control team, thus avoids later may face the business model transformation to bring the risk. Although the current "noble faction" Peer-to-peer platform profitability in the industry medium level, but for the steady investors attractive, more strength in the future market to seize half. At present, many investors through Peer-to-peer platform investment, platform background has become a platform for its choice of important indicators.

The symbiotic development of "grass-roots system" and "Noble School"

In the future industry development, the grass root system is not no room for survival. In the process of regulating the whole industry gradually, there will be a large number of grassroots Peer-to-peer platform facing out or forced transformation, which is a challenge and an opportunity.

"Grass-roots system" peer-to-peer platform in the wind control capacity, user resources, product business can absorb the "noble faction" talent, experience, model, and to innovate to form a strong competitiveness. A Peer-to-peer regular Army with venture capital, state-owned or listed company background needs to get rid of the shackles of traditional finance and quicken the pace of product design, idea innovation and channel development. It can be said, whether it is "grass-roots", or "noble faction", who can be the first step in the road of innovation, who won the big face.

Source: Gold Rating Media

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