This list involves many indicators such as credit approval and compliance, and * * * has 40 platforms on the list. Among them, the comprehensive scores of six platforms including Renren Loan, Yirendai Loan and Jin Lu Service exceeded 90 points.
Tian Yan, an online lender, pointed out that the situation of overweight supervision in the online lending industry remains unchanged. The Guiding Opinions on Promoting the Standardized and Healthy Development of Platform Economy issued by the General Office of the State Council on August 8th once again made it clear that Internet platforms that set up financial institutions, engage in financial activities and provide financial information intermediary and transaction matching services must be subject to access management according to law. The central bank also stressed in its key work in the second half of the year announced not long ago that it will continue to strengthen the rectification of Internet financial risks.
According to the statistics of online lending, in August, the total balance of P2P online lending rated TOP40 loans was 4.71710.50 billion yuan, down 2.2% from the previous month. By the end of June this year, there were only 923 platforms operating normally in the industry, 749 fewer than 1672 at the beginning of the year.
Yang Yifu, co-founder of Renren Loan, said that for the industry, compliance management is the most basic and important ability of the platform.
In the past nine years, People's Bank of China has focused on serving the commercial lending needs of small and micro business owners, and has always regarded compliance construction as the core of business development. 2065438+February 2006, the fund depository cooperation with China Minsheng Bank was officially launched, becoming one of the first online banking depository platforms in China. In addition, Renren actively cooperated with the regulatory requirements, registered the performance of anti-money laundering and anti-terrorism financing through the online monitoring platform of Internet finance anti-money laundering and anti-terrorism financing launched at the beginning of this year, reported suspicious transactions in time, and monitored the terrorism-related list.
As an important indicator of compliance, information disclosure is reflected in many policies of regulatory authorities. The People's Bank of China has established a complete information disclosure system, and disclosed information in official website and a number of third-party authoritative platforms, including the registration and disclosure service platform of China Internet Finance Association and China Internet Finance Association. At the same time, it is connected with the people's credit information system. As of June 20 19, Renren Loan has been connected to nearly 15 data platforms established by regulators and self-regulatory organizations.
Since the beginning of this year, stock pressure drop, risk clearing and benign exit are the main directions of online loan supervision. On July 6th, the Leading Group for Mutual Fund Remediation and the Leading Group for Online Loan Remediation jointly held a symposium on the special risk remediation of peer-to-peer lending, which clarified the time schedule of the special remediation of online loans, and proposed that the rectification work in the third quarter will continue to strictly implement the "three reductions" requirement of reducing the number of institutions, industry scale and the number of people involved. Through compliance inspection, multi-party monitoring system analysis and verification and other means, the organization will be thoroughly checked and the benign exit will be strengthened. In the fourth quarter, online operators will be classified and managed one by one, and multiple measures will be taken to resolve risks. Special rectification work in accordance with the principle of "a mature one, a family", the basic conditions of the institutions into the regulatory pilot.
Recently, Shanghai, Sichuan, Shenzhen and other places have successively announced the retirement list of online lending institutions. Zhang, dean of the online loan home research institute, pointed out that the release of the repayment list is convenient for lenders to identify risks, understand the status quo of the platform and protect the legitimate rights and interests of lenders. It is one of the means to actively resolve industry risks, which is helpful to speed up the clearing of the industry and purify the market environment.
Based on the research on local regulatory policies and self-discipline norms, as well as the status quo of industry compliance development, the recent P2P online loan compliance development report (20 19H 1) released by Zero One Think Tank predicts that the Matthew effect in the online loan industry will intensify in the future, and the market share of the head platform will increase.
Related Q&A: Related Q&A: Which online lending platform is better? 1.Which P2P online lending platform is better?
As investors, we should know more about some methods to judge the quality of financial management. At present, there are about 2,000 p2p financial platforms in China. Since the regulatory rules of this industry were only promulgated in August this year, most of the remaining companies in the industry are in compliance rectification. Therefore, when choosing to invest in p2p platform, we should learn to distinguish the quality of the platform and choose the platform that suits us.
Generally speaking, we need to judge the following factors:
1, the registered capital of the company knows the registered capital of the P2P platform in that year, shielding P2P without capital ability and reducing risks. Of course, Bian Xiao felt that this method was not always reliable.
2. Risk reserve Risk margin, also known as risk reserve and risk margin, is one of the most commonly used security guarantee methods for P2P platforms. Once the investment projects on the platform are overdue, the risk reserve will be paid in advance to prevent the risk of lending and ensure the safety of users' funds.
3. Depository of bank funds
The platform opens a special deposit account in the bank to deposit users' investment funds, while the p2p platform is only responsible for matching the information of borrowers and lenders, providing matching services, and not contacting users' funds, completely isolating users' funds from platform funds and improving the safety factor.
4.ICP license
The Interim Measures for the Management of Business Activities of Person-to-Person Lending Information Intermediaries stipulates that person-to-person lending information intermediaries shall apply for corresponding telecom business licenses according to regulations, otherwise they shall not carry out person-to-person lending information intermediary business. ICP business license is a necessary qualification for peer-to-peer lending information intermediary platform and a necessary prerequisite for engaging in online lending information intermediary business. 5. Third-party guarantee The P2P platform uses a third-party guarantee company to guarantee the principal and interest of the investment projects on the platform, which is a safer guarantee than the risk deposit.
6. Security of account information
The registration information, investment information, funds and account security of the user platform need to be guaranteed accordingly. For example, we have cooperated with E-Security to save electronic contracts, and we have a professional and mature technical team to upgrade account defense.
7. Platform data disclosure
P2p platform is the most informative platform for online lending. The investor's business data, investment data, asset items, overdue conditions, etc. shall be disclosed in accordance with the Interim Measures for the Management of Business Activities of Personal-to-Personal Lending Information Intermediaries, so as to achieve transparent, compliant and standardized operations.
8. Revenue Interval The annualized revenue of the general P2P platform is between 8- 16%. We generally don't tend to choose platforms with low interest rates, but some platforms need to be carefully considered when choosing whether the interest rate is too high to avoid capital damage.
We now try to judge how some p2p platforms are based on the above factors. Take Pratt & Whitney as an example: Pratt & Whitney platform obtained ICP license, reached a fund deposit agreement with hengfeng bank, February risk reserve130,000, monthly disclosure of platform operation data, and reached an online contract preservation agreement with E-Security. This shows that the security of the platform is very high.
Second, the safest p2p platform ranking Everyone is very concerned about the security of the p2p industry and hopes to get an authoritative industry platform security ranking. But in fact, such a ranking does not exist for a large number of p2p that have just introduced regulatory rules. However, you can measure the security of each platform by yourself, mainly considering factors such as fund deposit, ICP, risk reserve and account security.
In official website, the online loan portal can get a general understanding of the current ranking of p2p industry. This ranking is based on the information provided by the platform in the online loan home, and is ranked by the online loan home after comprehensive scoring. We can also choose to rank according to development index, transaction, popularity, leverage, dispersion, liquidity and transparency as investment decisions. The following is the information of the top 10 p2p platforms sorted by development index.
Although the ranking of online loan houses has certain reference, Bian Xiao suggested that when choosing a p2p platform, you need to comprehensively consider and judge yourself, collect more information and compare, and consider not only the security, but also the investment threshold and liquidity of the platform before making a choice.