Net Loan Into The Era Of Fighting Father: Financial Bigwigs PK New Internet

< p > < strong > traditional financial low-key layout P2P < /strong > /p >

< p > but after a period of vigorous development, the negative effect of P2P industry increased in the first half of this year, and it was not denied that the capital pool mode was negated by the central bank.

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< p > at present, financial people have begun to act, including traditional financial companies such as banks, securities and so on, and have begun to lay out P2P net loan in a wide range.

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< p > at the beginning of last month, a financial black horse appeared in the industry. A P2P platform called "e loan" has been online for half a month, and its performance has exceeded 40 million.

According to Tencent technology, "e loan" is the Internet financial service platform of Shanghai Zhengda Group, and has just completed the strategic upgrading of its products.

In addition to the big card, just took the securities and fund license, according to the era of Chun De, was established a net loan platform "micro gold guest", injection of 100 million yuan.

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< p > and there are already 5 banks in the banking sector in the P2P field, including the Lu Jin invested by Ping An Group, the Shaanxi Development Bank of China and Shaanxi financial holding group, the small business e of China Merchants Bank, the people's livelihood bank of Minsheng Bank and the pony bank bank.

In addition, China open finance (wholly owned subsidiary of the National Development Bank) has jointly launched an Internet investment and financing platform with the Jiangsu Jin Nong company.

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< p > by investing, acquiring and establishing subsidiaries, professional financial people begin to set rules for the industry, and for themselves, through the Internet platform, they can expand and enrich their own business direction.

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< p > < strong > spell dad, it is called "a href=" http:// www.91se91.com/news/index_c.asp "> offline resources < /a > /strong > /p >

It's the most troublesome thing for P2P to invest in P.

Due to the lack of offline customer resources, many "Internet lineage" P2P lending platforms appear to be overstretched when launching the "target", and are also being exploited at the same time with small loan companies.

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< p > but for a long time, small loan companies have also learned the a href= "http:// www.91se91.com/news/index_c.asp" > P2P < /a >.

A chief executive of a small loan company in Beijing told Tencent science and technology that it is not difficult to build a P2P platform, but it is not so easy to accumulate customer resources for borrowing. "Rather than let the P2P platform earn profits in the middle, we should make a net loan platform directly. We will buy all the targets in advance, and if we have the volume of pactions, we will naturally be popular."

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< p > Zhang Yang, director of marketing of micro gold customer, told Tencent science and technology interview that if the traditional financial companies pform P2P, they should have advantages from the number of customers, the form of financial products, and the supply of the target. While some pure Internet platforms such as P2P platforms often appear insufficient, even though some say hunger marketing, they are still a waste of traffic.

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< p > "is also talking with small loan companies, but the level of equality we talk about is much larger than the individual products of some P2P platforms. Sometimes the whole one hundred million list" is spread to the P2P platform. For its parent company, it is only a sales channel for financial products, and there is no need to change too much. Some old customer resources accumulated can be used for it.

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"P" and the director of the e loan company of Tencent said that the loan target on its platform is only a small part of its group customers, which is used to test the water. If the scale of the investor increases, it can increase the target at any time.

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< p > industry experts believe that the nature of P2P, such as banks and other traditional financial companies, is to pfer the traditional entrusted lending behavior from offline to online. It is a reproduction of traditional credit, and grassroots P2P enterprises are "pferring private lending behavior to online".

Compared with grassroots P2P enterprises, the traditional banks specializing in credit business undoubtedly appear more reliable.

These companies are specialized in credit, and have more professional advantages. The level of risk control, customer resources and data reserves are higher than those of P2P enterprises.

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< p > < strong > new play: go < a href= "http:// www.91se91.com/news/index_c.asp" > guaranty < /a > /strong > /p >

< p > the website carries on the principal and interest guarantee, or has the strong Guarantee Corporation, this is now the market P2P platform most likes to emphasize the gold lettered signboard.

Correspondingly, investors are required to sign a risk notification book which does not promise their principal and interest when they are financing by banks and other traditional financial companies.

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< p > should someone come out to guarantee the investment? If bad debts are too many, which is beyond the scope of the P2P platform itself, the user's guarantee promise at the beginning will become empty talk.

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< p > Wang Yanxiu, director of the innovation Department of CBRC, said that P2P itself should not guarantee that it can not promise the proceeds of the loan principal, and does not undertake credit risks and liquidity risks.

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< p > recently, Lu Jin has released many official signals that the third party guarantee will be phased out.

Dai Xiuxian, deputy general manager of Lu Jin, said that using personal credit rating to conduct business and allowing investors to choose their own investment products based on their own risk preferences will become their development direction.

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< p > and according to Tencent technology observation, most of the traditional financial companies are not willing to guarantee their targets after entering the P2P field.

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< p > Zhang believes that P2P as an information platform, on the one hand, docking the financing side on the other hand docking investors, strictly speaking, there is no qualification and power to do any guarantee on both sides. "And the platform is not necessarily able to hold all the projects, before all the rights and interests of investors can not be guaranteed, and Guarantee Corporation intervention will increase the cost of financing and reduce the profit margins of investors".

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< p > at present, the P2P platform, including the e financial system such as the certification of big loans, is more willing to replace the guarantee with the concept of "risk reserve".

While establishing a risk reserve account, we can protect the interests of investors by introducing the mechanism of capital custody and capital use supervision by the third party.

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< p > investment is risky. This concept is well known.

As an investor, it is the responsibility to understand and analyze the situation and risk of bidding, rather than just looking at the proceeds and grabbing it regardless of whether it is a "bad mark".

In terms of security, traditional financial companies have begun to set rules.

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