Will the net loan repeat the path of group buying industry?

2010, the number of network loan operation Platform is only 10, 2011 is 50, and according to the net loan of the "2014 China Network lending Industry Annual Report" (hereinafter referred to as "Industry Report"), up to the end of 2014, net loan operating platform of 1575, monthly composite growth rate of 5.43%.

It is noteworthy that each road capital to the network loan industry, this situation can not help but remind people of the hot group buying site.

Interestingly, the same as the Internet industry, the net loan will repeat group buying industry sheng Extremely and the path of decline? Does the rule of the Internet winner-take-all apply to the net-credit industry with financial attributes? This may be a problem that every online lender has or is thinking about.

Industry concentration will be further improved

At present, more and more people take the net loan and compare with the group purchase. 2010, the group purchase site appeared explosive growth, reached the peak in 2011, first chaotic elephants, and then shuffle the arrival of the industry concentration, rapid increase in the era of oligarchy.

According to the group 800 released data, in the first half of 2014, domestic Network group buy total turnover amounted to 29.43 billion yuan, a record high, and the top five of the group purchase site turnover accounted for more than 99% of the overall. Compared with the 5,058 peak in August 2011, the number of Groupon sites has plummeted to 176 and the death rate is as high as 96.5%.

Similarly, in 2013, the net loan industry has seen rapid growth, and in 2014 it has stepped up. "Industry Annual Report" shows that, 2014, the number of net-loan platform operations monthly composite growth rate of 5.43%, absolute increment has been more than 2013 years, but at the same time, "due to the emerging problem platform, the normal operation of the network loan platform growth has slowed down."

Years ago, the well-known Peer-to-peer platform Red Ridge venture again exposure to a single bad debt, Guangzhou old platform Sheng Rong Online also into the crisis of honour. All these cases seem to herald that the industry transition is about to happen.

According to the "Industry annual Report", as at the end of December 2014, the net credit industry loan balance amounted to 103.6 billion yuan, the loan balance in 500 million yuan above the platform of 36, accounting for the country's 58.82%, Lu Jin, Red Ridge Venture, everyone in the first three places.

Also from the net loan home data show, as at the end of December 2014, Lu Jin loan balance of about 10.8 billion yuan, Red Ridge venture to invest about 9.2 billion yuan, everyone loans about 5.1 billion yuan. The total loan balance of 3 platforms accounted for only about 24% of the loan balance in the national net credit industry.

According to experience, any new industry, after experiencing a short period of overheating, will eventually cool down and mature. In this process, the industry concentration of the improvement is accompanied by the fittest, the network loan industry is no exception.

The future of the platform or the obvious regional

If the net loan industry will be like other Internet industries, there will be oligarchs or monopolies, then who would it be? From the current platform, it seems that no platform has shown such strength.

Among them, Lu Jin is backed by Ping ' an group, is currently the industry boss, but its loan balance in the national network loans industry loan balance accounted for only about 10%. In addition, its low yield also determines that the competition target more is the bank financial products rather than the ordinary peer-to-peer products.

In addition, the Red Ridge Venture is a peer-to-peer industry representative of a typical, but soared to nearly tens of billions of dollars to be collected after the scale, the risk is gradually exposed.

And everyone loan pure intermediary of the original Peer-to-peer model, the market share is also in decline. At present, the greater the competition in the industry, the higher the scale efficiency of the model has not appeared.

Network loan industry and the general Internet industry is different, it has a strong dependence on offline resources, which is mainly reflected in the asset side. Good projects in short supply, the industry is generally faced with a reality. At present, no organization can master all the information of the project, under this premise, the monopoly appears particularly distant.

However, the tendency of all corporate information to dock with one institution is indeed occurring, and this possibility cannot be ruled out, at least given sufficient time. The agency could be Ali, or it could be the other competitor.

The internet is changing the world, for many small and medium-sized enterprises in China, the change is to open a flagship store in the Sky Cat.

In addition, Ali also showed great interest in rural electricity dealers, the ant gold clothing under the sesame Credit also began to Ali system outside the letter data to absorb. In theory, Ali's database covers the vast majority of small and medium-sized enterprises, the goal is likely to be achieved.

However, the reality is much more complicated than the theory. BEIJING-East meddling in rural electricity companies, and Tencent's financial system is also rising, these factors have increased the industry's uncertainty.

Journalists believe that in the foreseeable future, another possibility may be greater: the platform according to its reasonable distribution of resources under the line, showing obvious regional, industry. Logic is very simple, frankly speaking is Kaoshanchishan Sea. A small and beautiful platform will survive in competition.