How did the P2P online lending platform close down?

As a new thing, people don't know enough about P2P online lending institutions and blindly follow suit, which leads to the crazy increase of such platforms. At its peak, there were about 5,000 P2P lending service websites in Britain represented by ZOPA in 2005. It was the earliest website to provide personal peer-to-peer lending service, and also became the originator of P2P online lending, and then quickly became popular all over the world. In 2006, the first P2P lending website was established in China, and by 20 13, the number of P2P platforms increased almost at the rate of one per day. The average life span of P2P in China is only 3.9 years, because in the past few years, as a new thing, people only have a superficial understanding of this kind of platform, only know the profit and ignore the risk, and blindly follow the trend of investment. At the beginning, most of the bosses of the problem platform only made money, and eventually they ran away, and there were some platforms.

P2P is not a bank, but a lending platform in essence. Through this platform, investors can lend money directly to people and enterprises in need, but they can't absorb deposits themselves, nor can they get liquidity support from the central bank. Moreover, banks are guaranteed by government or semi-government agencies, and the guarantee mechanism of P2P online lending is very limited. Most of them are guaranteed by the registered capital of the company. When the amount of bad debts exceeds the company's capital, it will cause insolvency. In addition, 65,438+0% of the loan amount is used as insurance money to compensate bad debt depositors, but the bad debt rate is much higher than 65,438+0%, and raising the margin will lose competitiveness. In addition, P2P lenders have high security risks, the platform lacks third-party regulators to supervise transactions, lacks investment in management and technology upgrading, and neglects to deal with security vulnerabilities and hacker attacks, which cannot guarantee the security of transactions. Based on the above risks, P2P platform is difficult to survive.

2065438+June 2007, the People's Bank of China and other departments jointly issued the Notice on Further Improving the Special Remediation and Rectification of Internet Financial Risks, requiring all online lending platforms to dissolve the stock, strictly control the increment, and gradually reduce the non-compliant business of employees' stock to zero. Double drop? At the end of 20 18, what is supervision? Double drop? Escalate the request to? Three drops? In addition to reducing the balance mentioned in the notice, it also includes reducing the number of people and stores. At the 2020 Financial Street Forum, it was said that the risk situation of Internet finance has improved, and the actual number of P2P online lending institutions in China has dropped from 5,000 at the peak to 3 at the end of 10.

In addition to the risks of the Internet finance industry, the phenomenon of shadow banking in China has also been suppressed. In fact, from three years ago, the government began to rectify the irregular and unreasonable off-balance sheet shadow banking phenomenon. After three years of hard work, the scale of shadow banking has been reduced by nearly 20 trillion yuan, and the overall financial risks have been controlled. Some overseas professional organizations also gave positive comments. They believe that the large-scale reduction of the scale of shadow banking in China has eliminated the biggest threat to China's financial industry, and the financial industry will develop faster in the future.

In the handling of non-performing assets of banks, it is also a big step forward. By the end of the third quarter, the non-performing loan ratio of China commercial banks had declined, and the identification of non-performing loans was more standardized. Some strict banks even include loans overdue for more than 60 days in the non-performing loan sequence, which reduces the overall non-performing loan ratio and stabilizes the banking risks.