Problems facing the Peer-to-peer industry

In the electric business industry, basically each stage has a theme, the early years of Business-to-business, Consumer-to-consumer, business, as well as the recent group buy, O2O, Peer-to-peer, each one of the themes are very good representative of the different stages of the development of the electric business. The electric business has already moved from the simple retailing industry to the current finance category, this year the electric business industry topic is the peer-to-peer, or accurately said that should be on the Electricity Business Foundation The Internet financial peer-to-peer business development obtains the electric business, the Internet as well as the financial profession widespread attention. The Peer-to-peer heat has been rising.

Too many participants have made this new industry a negative situation, a lot of peer-to-peer waving lending companies take the opportunity to circle money, and then because of man-made or accidental factors such as investor run Tide emerged, and finally to many investors to the end of the cost, This is not the original trust but represents the advanced mode of the Internet financial industry has brought a heavy blow.

At present, the domestic peer-to-peer industry in a chaotic period, a large number of participants, diverse roles, a number of statistical agencies show that the number of domestic peer-to-peer companies will reach the end of 300~500 home, so many participants want to stand out in the fierce market competition, vicious competition is inevitable, The explosion of new problems has put the industry in a serious crisis of confidence. Now can be called on the name, is not a few of the reliable, including Ping ' an Lu Jin, the small Enterprise e home, Pat Credit, everyone loans, Yi Xin, building blocks box, a favorable network, such as a few have made a bit of reputation of peer-to-peer enterprises.

Peer-to-peer Industry Problems

Recently, Peer-to-peer industry issues frequently, mainly due to several of the first half of this year on the line of Peer-to-peer enterprises to the repayment period of some of the situation can not repay, resulting in the outbreak of investor run Tide, The further butterfly effect caused the other Peer-to-peer platform investors to panic and then burst out of the peer-to-peer industry large-scale runs, resulting in the entire industry into a very chaotic situation, the industry is 87 bad.

Industry one: loophole trap greed

where profitable where there is cheat, peer-to-peer industry has infiltrated too many ulterior motives of the participants, so that this pot is hot by some smelly fish to stir. Some Peer-to-peer platform of product design loopholes, and platform builders are using these loopholes to create traps, coupled with 20%~30% investment returns to attract the "greedy" investor admission, the final completion of inside, donations run (think well, too underestimate my ability to gentleman) feat.

Industry situation two: Bid false mark the second red line

Because there is no strict industry norms, to the Peer-to-peer platform operators a very large operating space, in order to attract investors to dismantle the standard, false mark, second standard, and so on frequency, and the problem is often these unconventional bidding methods. In addition, some Peer-to-peer platform will also touch investment funds, but also will borrow the platform to form a pool of funds, which are peer-to-peer industry's red line.

Industry situation 3:3 not familiar--immature platform immature investors immature financing

The domestic peer-to-peer industry sprouted in 2007 and began to show a good trend in 2012 this year, mainly thanks to Alipay-led Internet financial reform. However, peer-to-peer this industry is not mature enough to withstand a sudden burst of development, now investors are not mature, peer-to-peer platform is not mature, financing people more immature. Investors immature prone to run tide, platform immature risk of investment, financing people immature do not know how to efficiently use the funds received, the industry participants in the stones.

Industry 4:3-No entry threshold, no industry guidelines, no regulatory agency

Today's peer-to-peer industry is really three without industry, no entry threshold, no industry standards, no regulatory agencies, which led to the industry's Peer-to-peer enterprises, the investment risk is very high. The gap between the various Peer-to-peer enterprises is not large, investors do not have the ability to identify which platform is better, so often choose a higher return on investment Peer-to-peer platform. Eventually there is no such thing as a reliable peer-to-peer platform, but the highly risky peer-to-peer platform is crowded, but when the problem erupts, the reliable Peer-to-peer platform suffers. So now some of the low income pursuit of pragmatic operation of Peer-to-peer enterprises in the call for industry self-discipline, but also actively request the relevant departments to regulate, promote the rational development of the industry.

Industry five: Small loan guarantee and other financial companies to the peer-to-peer industry to raise gas

After the rise of Peer-to-peer mode, a number of local small loans, guarantees and other financial services companies have entered the admission of small loans and guarantee services, which is a positive thing for peer-to-peer industry. With the small loan and guarantee company's joining will help peer-to-peer industry healthy development, but because the small loan guarantee company in the one or two line city majority, some three or four line city's Peer-to-peer development still has the vacancy.

Industry situation Six: Middle and small peer-to-peer encounter trust crisis big Peer-to-peer Usher inflection point

November Middle and small peer-to-peer enterprise problems frequently, this or let large Peer-to-peer enterprises usher in the industry inflection point. After some investors encounter fraud and other events, the future investment decisions will be more cautious, which adhere to pragmatic and stable peer-to-peer platform is a good thing, and strive to do service, control investment risk is a peer-to-peer platform operating core.

Industry seven: scale and pragmatism contradict

Peer-to-peer industry participants are numerous, everyone wants to stand out in the fierce competition, so many peer-to-peer enterprises have given up the way of pragmatic management and blindly pursue the scale. The initial stage of industry development, pragmatic and scale often can not have both, the pursuit of scale will need to give up profits, and even in the case of net losses insist operation. Today many Peer-to-peer enterprises are on the tightrope, who can be lucky to insist on who has the opportunity to become the final winner.

Industry eight: The giant into the Bureau rookie flying

After the peace and Merchants Bank entered the bureau, Jiangsu provincial government and the National Development Bank to cooperate in the small micro-credit online trading institutions "open Xin loans", the state-owned Third-party payment company pay also launched a Peer-to-peer fund-managed Products "G-commerce", in addition, Agricultural Bank, Pudong, etc. are also planning to follow the peace, Bank of the pace of the introduction of Peer-to-peer financial products, while Ali, Tencent, such as the internet giants also on the Peer-to-peer market coveted thirst. Now the Giants into the Bureau, the rookie flying Sideways, the next peer-to-peer industry is doomed to a reign.

Industry situation Nine: Peer-to-peer leaders start self-promotion to embrace giant thighs

When they saw the Giants in succession, intentionally seize the peer-to-peer market, many do a good peer-to-peer enterprise began to plan to embrace the giants of the thigh, so will appear in the same time in succession to the Ali investment racket loans, Tencent mergers and acquisitions of all the rumors of the situation, but from the response of the parties to see, It is widely accepted that this is the ego-hype of the racket loan and everyone's credit. Giants into the bureau to let Peer-to-peer enterprises pressure, find a strong backer can not be fierce competition in the market eliminated.

Industry situation Ten: the wind cast envy follow-up group buy tragedy or repeat

Persistent hot peer-to-peer industry has not only aroused the attention of the Giants, but also the interest of the VCs, patted the loan, the favorable network to obtain venture capital, from the current industry heat to see next there will be more peer-to-peer enterprises to win the favor of VCs. Peer-to-peer industry scene is getting closer to three years ago, the group buying industry, the market madness, users crazy, crazy, and now the tragedy is still vividly remembered, according to the development of peer-to-peer industry is likely to repeat the mistakes of group buying industry.

Peer-to-peer and buy a lot of similarities, are aggregated a group of users to buy a product, but one is the consumption of one is investment, one is to earn dick Silk money is a circle tyrants money, but in the mode of the same, the industry is similar. However, the consequences of the problem may be a lot worse, one is the loss of hundreds of pieces of one may lose tens of thousands of yuan.

Peer-to-peer Enterprises waiting for breakthrough opportunity

Although Peer-to-peer industry has a lot of problems, but when the peer-to-peer industry on the right track will be very helpful to the development of domestic small and medium-sized enterprises, this is an advanced financial industry reform. Although more than 500 peer-to-peer enterprises have a large number of fish in troubled waters, but there are some of the reliable. For example, the Bank of the background of Ping ' an Lu Jin, CMB Small Business e home and so on, the industry pioneer of all loans, Pat credit, such as letter, the building blocks box, a favorable network. They have different patterns, corporate/Team background is also very well, so generally do not appear to ask for money without face (however, the reality sometimes hit the face).

Safe Lu Jin

Ping An Lu Jin is the Ping an bank in September 2011 launched a Peer-to-peer business, because of Ping an bank to do brand endorsement, Ping ' an Lu Jin development process is quite smooth, for not too familiar with peer-to-peer industry investors to say that ping Lu Jin more like a high income from Ping An bank to provide financial products. Ping An Lu Jin of the annual interest rate can reach more than 8.4%, in the money exists in the bank can only wait for depreciation, investment in equity funds 10 into seven losses under the background, Ping ' an Lu Jin by some investors of all ages.

ICBC Small Business E Home

In the Peer-to-peer industry more and more hot market environment, before long ago, the bank also launched a small micro-enterprises in accordance with the characteristics of "small Enterprise E" Peer-to-peer network lending services, starting point for 10,000 yuan, the investment project interest rate is slightly over 6%. As soon as the on-line, the investment income is inferior to the folk peer-to-peer platform, the merchant bank Small Enterprise E home on-line did not appear the investor to be swarming the situation, more investors are still observing the market situation, but has the merchant bank this gold-plated brand in still attracts a group to the investment risk sensitive investor.

Pat Loan

Pat Credit is the first batch of Peer-to-peer Enterprises, after years of insistence finally ushered in the market at the moment, and at the end of last year to obtain the Sequoia capital of 25 million U.S. dollars investment. Pat Loan is only responsible for building Peer-to-peer network platform, to keep the platform independent of the capital Red line, lending both sides free from geographical restrictions, is a platform-only nature of the Peer-to-peer model. The weakness of this model is the need for a large number of user base, otherwise it is difficult to get the trust of potential investors, more difficult to achieve scale of profitability. So the client is rich, including personal loans and corporate loans, the object of personal borrowing covers wage earners, private owners, shop sellers, students and so on. Covering a wider range of users can boost the popularity of the racket loan, which is critical to a purely peer-to-peer platform.

Everyone loans

Everyone loans to the user coverage of the same as Pat Credit, but in the business model of corporate borrowing slightly different. Everyone to pay attention to the combination of line online, the borrower will conduct offline due diligence, then the actual situation of the enterprise feedback to investors, investors make investment decisions. In addition, compared with the pure platform trading mode of the racket loan, the guarantee transaction mode of the main guarantee institution can reduce the investment risk. But with too many associations, a problem may lead to multiple contradictions. With the development of the whole industry, everyone has developed a new business, such as optimizing financial management, hashing investment and transferring creditor's rights.

Appropriate letter

The Yi-Shun model has been controversial, and the director of the letter, Downing himself, as the largest creditor, will lend the money to the borrower, then get the creditor's rights and then divide it, transfer the creditor's rights to other investors through the transfer of creditor's rights and obtain the loan funds. The use of funds and terms of the staggered ratio, and constantly attract funds, while the issuance of loans to obtain debt, while the amount and duration of the mismatch, and constantly split the transfer, the letter of the model can be replicated strong, rapid development. However, due to the letter of the main credit transfer model, touched the investment funds have been close to the red line of illegal fund-raising, if the state to the Peer-to-peer industry to make corresponding regulatory regulations are likely to let the letter momentarily become passive.

Block box

The building block box predecessor is the enterprise music sinks, specially provides the data service platform for the financial company, rush in this year's Peer-to-peer tide to attack also take advantage of the water, on own financial data Foundation has made the Peer-to-peer business. The model of the building block box is between all loans and pat loans, positioning in the network financial investment platform, the platform itself resolutely do not touch the funds, through third-party payment supervision, and Third-party guarantee Company to provide full principal and interest guarantee, reduce investment risk, ensure capital security, enhance investor confidence. But the risk of low investment income is not so high, generally controlled between 9%~13%, investment threshold is very low 100 yuan from the vote. The building block box is most proud of their due diligence risk assessment system, each project to the field, and then according to the results of the wind control scoring, and then provide the corresponding investment income, finally packaged into financial products for investors.

Favorable net

The favorable network is also the rise of this year's peer-to-peer industry Black Horse, a few days ago just won the soft silver million dollar investment. The beneficial net mainly provides the service to the young investment which has not the financial management experience, starts from the personal credit loan, the main fixed treasure and the monthly pass two products, the investment threshold is also very low. As a result of personal credit loan, therefore, the beneficial network will appear in the same time a large number of loans, and as a network loan platform itself is difficult to complete the monitoring task, so the favorable network to choose with a high-quality background of the small loan company, through the small loan company to complete the late collection work, to maintain the benign operation of the platform. In the vernacular, it can be said that a group of cock Silk will lend money to another group of cock silk to use, and then get the benefit.

Conclusion

Some say 100 people have 100 kinds of peer-to-peer, this argument is not too much, each peer-to-peer platform in order to make a difference in trying to innovate, which also appeared a lot of peer-to-peer operation mode, and now the peer-to-peer industry is still very confusing, investors need to be cautious. The above 7 Peer-to-peer enterprises are only at present Word-of-mouth is good, but does not mean that the future will not be a problem, but in the investors choose Peer-to-peer Investment platform, can refer to the above 7 operating mode, lest be tempted to be deceived. Finally, Ma said that electricity dealers will change the price of some exaggerated, if the internet finance to guide investors Rational investment, no longer blindly speculation room, may be able to lower prices.

Wen/Wang Liyang

Micro-Credit Number: technology does not vomit (Tucaokeji)