165438+1On October 6th, Liu Fushou, the chief lawyer of China Banking Regulatory Commission, said at the routine briefing of the State Council policy that the number of P2P online lending institutions actually operated in China has dropped from about 5,000 at the peak to three at present, and the lending scale and the number of participants have decreased for 28 consecutive months.
P2P online lending in China started around 2007 and entered a period of rapid expansion in about 20 13 years. The watershed of industry development is the release of 20 16 Interim Measures for the Management of Business Activities of Information Intermediaries in Peer-to-Peer Lending (hereinafter referred to as the Interim Measures). This document not only clarifies the positioning of P2P, but also marks the entry of the industry into the regulatory era.
Subsequently, the regulatory authorities successively issued the Guidelines on Information Disclosure of Business Activities of Peer-to-Peer Lending Information Intermediaries, the Guidelines on Registration Management of Peer-to-Peer Lending Information Intermediaries, and the Guidelines on Deposit and Management of Peer-to-Peer Lending Funds. The regulatory system of the online lending industry was formally formed and was also collectively referred to as "one law and three guidelines" by people in the industry.
With the successive rounds of online loan special rectification actions and the delay of filing period, the industry has gradually divided, but some platforms are still sticking to P2P business.
1 You can also bid under the priority lending section of 9 Wang Cai website. Take "priority loan 150 days-2020112201"as an example. Its expected annualized income is 7.3%, and the available balance is about 654.38+0.94 million. The deadline for joining this project is 165438+202012:30 on October 23rd, and the deadline is 202 1.
The favorable "Dingcunbao" products can be divided into three months, six months, 12 months and 24 months, and all of them can be invited to bid. The recruitment period is 2020 1 1.20 to 1.23. The expected annual rate of return ranges from 6% to 10%.
165438+ 10/6, Yang Yifu, co-founder of Renren Loan, expressed similar views at the online communication meeting. "Before, we hoped that one day we could continue our business and even file a case, and this effort continued until the last moment before the bidding stopped. If you can continue to carry out business, you can gradually resolve risks with new business (generated profits) and even financing. Everyone will not suffer and will not be so anxious. "
Yu Baicheng, president of Zero One Research Institute, said that according to the principle that financial business must be licensed and P2P online lending institutions must completely withdraw from transformation, the remaining P2P companies will eventually transform. At present, several P2P companies are still in actual operation, and there may be several factors. First, the regulatory agencies continuously monitor the business of these companies, and the business risks are relatively controllable; Second, the borrowers of these companies may conform to the direction of agriculture, countryside and farmers supported by the state, and have been given a long period of transformation and adjustment by the regulatory authorities; Third, these companies are actively reducing their scale according to the policy requirements, and the transformation is in progress, but they cannot completely retreat.
For example, investors will see the project when they open the platform page. The disclosure shows that the project consists of loan information of multiple borrowers. Investors can't choose the specific loan demand when bidding, but only vote on the items displayed on the page.
Regardless of the risks, the investment interest rate of the above platforms is basically in the range of 5%- 10%. Compared with the financial management method of less than 5% all the year round, the stocks and unpredictable funds that test people's hearts from high to low really look attractive, and the P2P investment threshold is low, and the requirements for financial knowledge specialization are low. Under the comprehensive effect of various factors, it has become the choice of some investors. In particular, the various backgrounds, awards and spokespersons of platform publicity can increase the trust of some investors. However, it needs special reminder that it is an eternal truth that high returns correspond to high risks. We should not only recognize the risks, but also do our basic homework, understand the products and companies we invest in, and don't pursue the platform background excessively.
Judging from the loan balance, the scale of each platform has dropped a lot. information
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