What is the peer-to-peer trend for 2015

Now a word is popular, called "Find the outlet." The wind came to the pig can fly to the sky, so, everyone in mind, their own various aspects how to be stronger than a pig disabused it, pigs can fly to the sky, that their own not to mention. Turn back, we look at the history of the Internet, 2000 if you do the portal, 2004 if you do the game, 2007 if you do a video or a dealer, now basically have flown in mid-air for a while. But in turn, do you want to do a portal, a game, a video or a power dealer? Dare not say no opportunity, but at least the weather is not, the geographical location has been mastered by the Giants, as for people and, the sphere of influence is divided up early. So, in the Internet's lakes and rivers, similar to the stock, the trend is never reversible.

Some people say that internet finance is the first financial, the second is the Internet. Others view the application and thinking of Internet technology as more important. In fact, two statements are right, there is nothing to justify, since the two areas together, will certainly play an indispensable role, the Internet is a channel, is the methodology, and financial more is the purpose, but because the financial is a very traditional industry, change is very stable. So, this objectively gives the Internet more performance space, it looks as if the impact of the Internet will be more, for example, now, we almost expect the same, all feel that this is a can fly to the sky industry, so flocked to, there are want to officer, there are blind booing, but also mixed with some want to cheat money. Let this industry smoke, until the end of 2014 also did not say why, set a rule, so, we will be more next year some vision, hope that 2015 really can wind up, the best is not gust, not sandstorm, but really sustainable spring breeze.

How will the industry change in the 2015?

First of all, the regulation will be promulgated, the original 2014 years will come out of the regulatory policy, the birth is dragged yellow, the CBRC is very puzzled, compared to the same bank, this peer-to-peer is really a blooming, what do all have. There are platforms that allow borrowers and lenders to discuss their own racket loans, also has the rich second generation, is born the big family's Lu Jin, but also provides the intermediary service, then withdraws the risk to set up the loan for all, certainly, also cannot forget to do the creditor's rights transfer, does not calculate calculates the fund pool the appropriate letter, as well as with the microfinance company brothers and so on the Almost every village has the brilliant idea of the village, so the CBRC will not be able to make a mouth. This knife for a long time also can not cut down, but there is no rule always savages, this industry to want norms, it must have regulatory endorsement, although the regulation is overdue, but it is still to be. 2015, the biggest hope is that the CBRC's knife How to fall, this knife will cut off whose lifeblood. Of course, believe that the previous mentioned, 4 red lines and 10 major principles, must be flexible, or accidental injury probability is great. Eliminate Peer-to-peer, obviously with the country to solve financing difficulties, financing your big policy does not match.

Second, fewer cheats, this year we pay more attention to Peer-to-peer run, because the most eye-catching, but in fact, the most of the platform to run is a liar, really do not go down or a small number of well-known platform is less and less. If the industry wants to develop better, it must get rid of these black sheep, self-discipline or supervision, or even report to the public security organs, more and more investors will gradually polish their eyes with the popularization of education, and the cheats who rely on high profits will soon be able to play the game.

Third, rich dads are coming in, since this is a tuyere industry, more and more money will be in the layout here, this year, there will be millet investment in the building blocks box, Lenovo won the Wing Dragon Loan, next year more national teams, financial institutions, investment banks and even bat will gradually enter and grab positions, those who do a good platform, It is likely to fly first before the wind blows. But can not be avoided is that these rich dads collective approach, will also create an important consequence, that is peer-to-peer, will gradually transition from the spring and autumn to the Warring States, some companies will be annexed or even fall. The last remaining companies will be fewer and less. Until they enter the oligarch era. Like the end of the portal only 5 major portals, the game is a single Tencent, video into the 3 strong hegemony, the electric business is Taobao, Jingdong occupies 80% of the market. Peer-to-peer because it is the Internet plus finance, so the unification will not be so high, natural will be divided into two major factions, the Internet and Finance department. Each of the remaining 10 major companies, the mutual fight this is very likely to happen.

Four, net loan yield decline, in order to the healthy and sustainable development of the industry, price war thinking will soon end, especially some large platform, will use the Internet thinking, first of all, to enlarge the user base, and actively seize the market share. In this way, they need to establish a complete system of production, both to ensure safety, but also to ensure the mobility of the platform. Everyone will like to do the balance treasure, to operate Peer-to-peer, so the character is very important. Fallback or guarantee, all is the need for money, wool out of the sheep, not from the rate of return to make a part, it is not enough to plug such a large hole. Combined with a slowdown in the economy next year, central bank interest rates are also in the downward cycle, and peer-to-peer rate cuts are inevitable. After all, the service of small and medium-sized enterprises, to solve the financing difficulties, financing expensive this era of the big hats, or to keep the buckle down.

Five, further product innovation, optical peer-to-peer There are countless varieties, profitability and risk also have different grades, almost covering the various groups, no matter what your expectations are, there is always a suitable for you. And for the platform, but also do their best, with the small loan company, with the bank cooperation, with the insurance company, with the asset management companies, a variety of products emerge, as far as possible to do high, to reduce the risk. Remove the intermediate link. Truly financial off the media.

Six, strict payment channel, since the Bank for lending this matter, the control has been getting worse, in order to brush the sense of existence, it is bound to find a balance in the path, which is the struggle for payment channels, third-party payments now gradually rise, balance treasure, tenpay such a payment platform to do more and more, If all financial settlements are not to be found in the future, then the bank is a real tragedy. Since the beginning of this year, the heat and fire between UnionPay and other third party payments companies have simply been wiped out. UnionPay with the Lightning Bells jingle the success of the successful, not only completed the two-dimensional code payment system technology development, but also in individual areas have been pilot launched commercial applications. But to be honest, the market is a bit messy, no wonder the central bank is always out to embarrass everyone, such as what the POS machine irregularities, the illegal apply low rate industry merchant category code, and so on, in the face of the "change about the chaos" of the third party payment market, on the one hand, is the intensification of industry competition leading to some enterprises at risk causing industry chaos; On the other hand, it is time to stop issuing fines with the big stick of the central bank. It is estimated that the pace of future large wave curves will not change much.

Seven, business between the bloody fighting, from the spring and autumn to the Warring States, not hello I good everyone good party, but the result of a life-and-death spell, it doesn't matter, there is no network, there is no thinking of small enterprises, can not get the project also can not find customers, will eventually be large enterprises to Of course, it is not said that the industry's first few have been scheduled seating, because the Internet development is too fast, there will be enterprises to kill the instant reverse attack, Yahoo first in China to do the portal, but finally by the local Sina, Sohu kill. Grand First is the game of the Overlord, but not a few years to be QQ beyond, originally others ebay do a good job, Ma Yun had to kill to plug a taping, more do not know where out a stall to sell computer Liu, lose money have to pay for Xiang, finally people unexpectedly also listed, also tens of billions of U.S. dollar valuation, also bubble to Goddess. And 2010 just set up the love of Qi Yi, but also behind the gifted cool potatoes do not know how many body position, but with the help of Rich Dad, 4 years between the largest market. So, at present, there is no conclusion, perhaps the next Peer-to-peer industry first, is not yet born.

In short, Peer-to-peer next year is full of opportunities, but more is also a challenge, this is not only a net loan business, will be to the platform of the big capital management, with what poor people can not finance, with what only the income of the rich to 10%, in the internet era, breaking the media inequality is the trend of the times. Borrow a word from Beijing's small partners, the wind has to Zhangjiakou, the capital of the fog will soon disperse.

Source: Gold Rating Media

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