We know that the online loan business has been completely banned by the state and entered the final stage of cleaning up the mess. Of course, although it disappeared, it left unforgettable figures for the participating borrowers and lenders. The actual operation of 5,000 online lending institutions during the peak period, and more than 800 billion funds have not been collected, and so on, including thunderstorms and beheadings, have brought lingering pain to those involved. Recently, the People's Bank of China released the statistical report of microfinance companies in the first quarter of this year. As of March 3 1, there were 684 microfinance companies with 69,039 employees and paid-in capital of 780.08 billion yuan. The loan balance was $865.3 billion.
Compared with the statistical report of microfinance companies in the fourth quarter of 2020, we found that the number of institutions, employees, paid-in capital and loan balance decreased in the first quarter. It is foreseeable that small loan companies have no room for imagination in the future. The period of barbaric development of the company has passed. It is easy to establish, but difficult to survive. Last year, the new regulations directly led to the suspension of Ant Financial. The impact of the new regulations on the company is self-evident. Recently, a series of new laws and regulations have been promulgated, such as expressing a truly comprehensive annualization. Interest rate, new rules of bank collection service, inexplicable deduction, compulsory deduction, automatic repayment and other strong supervision, violent collection will be punished. The wit of some platforms will make the business space smaller and smaller.
Due to the impact of the epidemic and the tightening of policies, we often hear the news that some online lending companies have closed down or laid off employees. The number of companies nationwide also fell below 7,000, which was affected by conventional loans and violent collection. Borrowers applaud, of course, can't kill institutions. They still have the function of inclusive finance, and some companies must abide by laws and regulations if they want to survive.
With the increasingly fierce competition in the microfinance market, coupled with the lack of in-depth understanding of financial laws and financial risks by some companies. Extensive management, weak risk control ability, rapid rise in non-performing loans, declining profitability, and liquidity in trouble. The number of microfinance companies continues to decrease. At present, the microfinance industry is in the stage of rectification and supervision. The trend of stricter supervision will continue in the future, and the number of industry companies may continue to decline.
What are the loan platforms that don't look at debt?
1, loan king
Lenders also don't look at the opening of loans that can be made on the day of credit reporting liabilities. The cost is not expensive and the information is simple. The maximum amount is 5000 yuan. You don't check credit information or big data, but you must ensure the truth when filling in the information.
2. Copper loan
Copper money loan is a loan that does not look at credit information. Even if you are in debt, you can apply for a loan. Relying on mobile internet technology, we are committed to continuously improving the user service experience, and it takes only three minutes to quickly credit ID cards and mobile phone numbers.
3. East Gate E Loan
Dongmen e-loan is one of them that can lend money on the same day without looking at credit liabilities. The loan amount is large, and you only need an ID card to get a loan of up to 50,000 yuan. The longest loan period of this project is 90 days. In addition to interest, a certain handling fee will be charged according to the loan amount.
Step 4 kiss microfinance
Pro-small loans do not look at credit loans. It is an online loan with a maximum loan of 1 10,000 yuan. There is no occupational income limit, and the loan will arrive on the same day.
1, qualification risk
Online lending is different from financial institutions. Financial institutions are managed by "net capital". Banks and trust companies must have their own registered capital, ranging from several hundred million to more than one billion or even billions. Moreover, registered capital is not used for doing business, but a guarantee and a "threshold". However, due to the low threshold of online lending companies, the government has not yet issued guidance, and platform software can be bought from thousands to tens of thousands. Many people who owe a lot in private lending have bought platform virtual borrowers and virtual mortgages to attract investors to invest at high interest rates. High interest rates are generally at least 30% per year, and individual platforms reach 50% to 70%.
2. Managing risks
Peer-to-peer lending seems simple, but it is actually a more complicated model than financial institutions such as banks. P2P online lending is a new industry and an innovative model of the financial industry. Its development process is only a few years, and the market has not yet reached a mature stage. Many investors and borrowers do not treat this kind of financial products correctly, but blindly pursue high returns, while those who need funds are eager to cash out. As an online loan company itself, because the original intention of its establishment is only to make profits, its organizational structure lacks professional credit risk management personnel, and it is difficult to grasp and deal with the problems in the operation of the platform, resulting in a large number of bad debts, and finally it can only close down.
3. Capital risk
Paying attention to a P2P online lending platform is also crucial for investors' capital flow. Many online lending platforms not only do not use third-party fund management platforms, but also can use investors' funds. In particular, some online lending platform bosses borrow tens of millions from the platform for their own operations, so as to realize self-borrowing and self-use. The risks are not controlled by anyone and are not borne by anyone. The huge financial risk hidden behind it can only fall on investors, which is why many platforms can run away. At present, the safest way is to put investors' funds on the third-party payment platform for supervision. As a platform, the use of investors' funds should be strictly controlled. Only in this way can we increase the protection of investors' funds.
There are 6,054 companies in China with a loan balance of 907.6 billion yuan. What does the data show?
There are 6,054 companies in China with a loan balance of 907.6 billion yuan. What does the data show? First of all, this shows that our people's demand for funds is growing. Secondly, some people cannot get loan options from banks to meet their own development needs. Secondly, the company has become more active in the economic market. Coupled with the improvement of the company's own operational capabilities, there are more and more user groups. In addition, the economic market has been fully revitalized and the scale is getting bigger and bigger. It also shows that our country has certain policy support for the existence of companies in the market, and then the number of market entities is increasing. There are 6,054 companies in China with a loan balance of 907.6 billion yuan. What does the data show?
First, it shows that our domestic people's demand for funds is increasing.
First of all, it shows that our people's demand for funds is growing. If our people need more funds, it will play a greater role in the economic market and can be used for special investment.
Second, some people cannot obtain loan options from banks to meet their own development needs.
Secondly, some people cannot get loans from banks to meet their own development needs. For some people, they can't get loans from banks, so they choose to better meet their own needs.
Third, the company has improved the activity of the economic market.
In addition, the company has also increased the activity of the economic market. For companies, they are active in the economic market mainly by releasing funds through various channels.
Fourth, the company's own operational capacity is improving, so there are more and more user groups.
Coupled with the improvement of the company's own operational capabilities, there are more and more user groups. For the company, if its operational capacity can be improved, the number of users will accumulate.
Fifth, the economic market is fully revitalized and the scale is getting bigger and bigger.
In addition, the economic market has been fully revitalized and the scale is getting bigger and bigger. For the economic market, if it is fully revitalized, it can better expand its scale and help build a stronger economic market.
Sixth, it shows that the state has certain policy support for the existence of the company in the market.
More importantly, it shows that our country has certain policy support for the existence of the company in the market, which can better enable market participants to obtain sufficient funds.
Seventh, the number of market players is increasing.
Finally, the number of market participants is increasing. The reason why the number of market players is increasing is mainly because of the corresponding economic market and many people's insistence on entrepreneurial dreams.
What the company should do:
We should standardize our own operating rules.