The concept value of Internet finance highlights the domestic and foreign media pay attention to the racket loan

With the increasingly hot concept of internet finance, countless enterprises have seen the huge opportunities contained therein, and have joined the tide of internet finance. The vast Internet financial momentum has also attracted the attention of the media, become a regular financial news media, and the Internet financial leader of the media to take advantage of the press to become the spotlight. August 29, CCTV2 "Economic News Network" to "50 yuan can also do money on the Internet" as the theme of the topic broadcast to the interview, this has been the third time this year to receive CCTV interview. CCVT's repeated visits show the central-level media's focus on internet finance, as well as the impact of the first Peer-to-peer agency in the country. A little earlier, Ningxia TV, "brainstorming", invited the Internet financial rookie to Pat the CEO Zhang and Fast Money, Alipay and other senior domestic enterprises, as well as Ceibs International Business School, Shanghai University of Finance and economics to discuss the future development of internet finance. What is even more exciting is that internet finance has not only aroused the keen attention of the media in the mainland, but also the media in Hong Kong. In August, as Hong Kong's only official public broadcaster, Hong Kong Radio, the Hong Kong government department, jointly interviewed the CEO of Zhang. reported that the 2007 start of the racket loan is a Peer-to-peer loan platform, is personal to the individual loan auction platform. Everyone usually borrows money from relatives and friends, but this is just a loan relationship between acquaintances. And the racket loan is through the network set up an auction loan trading platform, can make the stranger borrow money. At present, there are 48 million small micro-enterprises and self-employed households in the mainland, only 5% had borrowed from traditional banks, while the mainland had billions of white-collar workers who lacked access to the investment pipeline, and the two groups were simply unable to communicate because of information asymmetry, which provided a platform for communication between the two populations. It is reported that the loan interest rate of the racket loan is completely marketable. The racket loan will disclose the range of different credit ratings and different groups of borrowing rates, and the borrower can set the rate of interest to be paid according to his condition. For example, someone willing to borrow 10,000 yuan at a 15%-year interest rate, after the release of the loan, different investors can lend a certain amount according to their own situation, so that you 1000 I 2000, after the 10,000 yuan loan amount is full, this time the loan will be successful. If no one bids, the borrower can raise the interest rate until the loan amount is filled. The news at the same time to the racket loan in the risk control of innovative methods to do a large number of reports, the use of credit ratings, the method will give the borrower credit rating, encourage them to provide more information. For example, if borrowers offer social networking sites such as Weibo, they can get credit plus points. A PAT loan can be licensed by borrowers to analyze their behavior on social networking sites while protecting their privacy. The report also mentions the support of Internet credit in developing Governments, and reports that the central bank, CBRC, CSRC, CIRC, Ministry of Industry,The "Internet Financial development and Supervision Research Group" composed of seven ministries, such as the Ministry of Public Security and the Law Office, has made a comprehensive investigation into internet finance. The survey is the most large-scale government research since the development of internet finance, can also see the government to the network loan platform's attention, can foresee, the future inland will strengthen the regulation to this profession, the legal risk also will be the network credit platform noteworthy question.