The three giants fought for grassroots sites

Yang Rui songs

P2P platform is becoming the goal of "giants."

The "giants" are menacing and have different backgrounds. State-owned assets, traditional financial institutions, and public companies ... The "giants" are very consistent in their goal - to kill Internet finance through the P2P platform. According to "First Financial Daily" reporter learned from many parties, the current P2P industry structure is precisely because of the involvement of giants and gradually formed the state-owned camps, financial institutions camps, listed companies camp and grassroots camp four camps.

Statistics show that as of the end of June this year, the national network of credit platform has more than a thousand, the industry turnover of more than 80 billion yuan. Li Yaodong, director of Zero One Financial Research, said that there has been a pattern differentiation in the P2P industry and platforms, including the O2O mode and P2B mode, which have not been heard before in 2012. Although there are many patterns of differentiation, there is still a very broad P2P lending market Of the room for development, we have seen the current scale of one or two hundred billion yuan is still insignificant, the future of the industry is still in a high degree of evolution.

Thousands of listed companies Ho throw billion dollars

With the July 18 listing of Panda Fireworks (600599.SH) its Internet banking platform Silver Lake hosted online conference in Beijing, P2P platform listed companies once again expanded. According to "First Financial Daily" reporter incomplete statistics, at least 14 A-share listed companies involved in the P2P business.

This year, A-share listed companies are quietly joining the Internet finance fight. Among them, the fireworks industry, Panda Fireworks listed companies to spend 100 million yuan into the P2P platform Silver Lake Network has become the single largest listed company into the current one.

Zhao Weiping, founder of Panda Fireworks, said: "Panda Fireworks has become an industry hegemony through 25 years of hard work and now the Internet has given us financial opportunities." At the same time, he said: "Only the registered capital of Silver Lake Network is 100 million yuan , Coupled with other aspects of the layout, Panda Fireworks investment in Internet finance more than one or two hundred million, apparently not to speculation in the stock price so much input, then the Internet financial investment will continue to increase.

According to Li Junchao, vice president of Silver Lake Network revealed that on the line two weeks ago, Silver Lake net turnover of nearly 18 million yuan, the transaction target this year is 200 million yuan.

Panda fireworks is just a microcosm of listed companies to enter the P2P industry, this year has been at least 14 listed companies into the P2P industry. Among them, most listed companies choose to intervene in the form of coalition forces. Qianhai Ideal Finance, launched in May this year, was jointly established by Kane shares, Dalian Holdings, Zhongjiegufen and nine enterprises including two companies with state-owned enterprises, Zhejiang News Media Holding Group and Zhejiang Gu Yue Long Shan Cultural Exchange.

In June of this year, Shenzhen Tianyuan Dike, Wal-Core, Hainengda, Hingsen Science and Technology Co., Ltd. and Ke Lu Electronics also announced that they will sign an agreement with four partnership companies, including Shenzhen Hi-tech Venture Capital Co., Ltd. , The establishment of Shenzhen Peng Ding Chong Ying Financial Information Services Co., Ltd., on-line time to be determined.

On June 6, "Yellow River Finance", an Internet financial information service platform under the Zhejiang Wanhao Wanjia Company, was officially announced. According to the analysis of the industry, in addition to borrowing P2P into the fiery Internet finance industry, the integration of the industrial chain is also a major reason for the participation of listed companies.

State-owned, financial rush

In the four major camps that have been formed, the background platform for state-owned assets and the platform for financial background are two forces that can not be ignored. Over the past year or so, giants such as state-owned assets, banks, securities companies and funds have advanced into the P2P field.

Financial institutions admission enthusiasm. Among them, bank-based P2P can be roughly divided into self-built platforms and third-party companies together to build two types of platforms. In addition to the self-built platform built by CMB last year, in June this year, Baoshang Bank claims the first "Pony bank" in the country, which is mainly responsible for Internet smart money management platform, and the follow-up people include Minsheng E-commerce and Huaxia Bank.

Brokers and funds are also starting to force this year. GF Securities GF recently announced its investment in Shenzhen P2P companies which net investment nearly billion, holding more than 30% of the stake; Founder Securities also announced in May that the joint Shun network technology to build P2P platform; and CITIC Fund was established Peer-to-peer P2P platform "Teng letter" has begun to operate in Shanghai low-key.

The background of state-owned assets is not to be outdone. In addition to the well-known Ping An Group's Lu Jin and Kaixin financial open Kaixin, the background of the national capital quietly rise. In May this year, Shaanxi Gold Holdings, a wholly-owned subsidiary of Shaanxi Gold Holdings, a wholly-owned subsidiary of Shaanxi Gold Credit, became the first wholly state-owned internet financial service platform and the first peer-to-peer P2P lending platform in the Midwest. In June, Deutsche Finance, a subsidiary of Anhui Supply and Marketing Cooperative, went online; in June, the first peer-to-peer P2P project was released by Ubisoft, a peer-funded P2P platform jointly funded by Haidian State Investment Co., Ltd. and third-party payment provider Haitong Financial Services. 7 In January, the "Kinglink" platform of the first state-owned capital in Wuhan came online and was launched by a controlling enterprise under the Agricultural Bank of China under the Chinese Academy of Agricultural Sciences.

Most people in the industry believe that the entry of "national team" is not only a symbol of the maturity of P2P industry, but also promoting the development of the industry toward standardization. However, it remains to be seen how the platform operation of "national brand" will be conducted.

In fact, the entry of giants will undoubtedly have an impact on the P2P industry. Although the number of state-owned assets, finance companies and listed companies account for only a few percent of the total number of platforms, the hidden guarantee behind the giant and the resources and channels that can be provided by the background party are beyond the reach of the grassroots platform.

However, an industry told the "First Financial Daily" reporter: "P2P industry has not yet reached the stage of concentration leaps and bounds, backed by trees both advantages and limitations, and ultimately determine the platform for the development of good or bad addition to the project There are wind control capabilities, giants joined the most important impact should be how to lead the industry to a more standardized development. "