According to the statistics of Mingjin.com, although the overall turnover of P2P online lending industry continues to hit a new high, the upward trend has obviously slowed down. Investors' psychology and choices tend to be safer and more assured online loan products. According to incomplete statistics, in the current P2P online lending industry, mortgage loans such as car loans, mortgages and bills account for more than 70%, of which the car loan industry accounts for nearly 30%, showing a steady upward trend. Car loans in P2P vertical segmentation are increasingly favored by the market.
Vehicle mortgage loan, namely car loan, is a vertical subdivision of P2P online lending industry. It is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third party's car or their own car as collateral. At present, the car loan industry has grown into a very mature business model. Facing the huge car ownership market in China, the car loan industry has a very broad development space.
In order to accurately understand the development scale and trend of the car loan industry, we selected 20 platforms with good platform development scale, platform popularity, activity and project information disclosure as analysis samples, namely, micro-loan network, Tuniu network, financial institute, Easy Loan network, short-term financing network, car loan exchange, Love Money Club, Century Loan, Everyone Gathering Wealth, Car Loan Exchange, Fruit Tree Wealth, Hengxin Easy Loan and Shanghu.
These platforms we count are mainly car loans, among which micro-loan network, car loan remittance, fruit tree wealth, Hengxin Easy Loan, Shanghu Wealth, Jiurong Network, Liye Loan, Mini Loan, Fu Shang Loan, Huiche Loan, Century Loan and Tuteng Loan 12 platforms are specialized in car loans.
1. Weekly turnover ranking of car loan platform
Microfinance.com, Totem.com, Mingjin.com, Yiqihao.com, Mingjin.com, Yixinyi.com, Jianrong.com, Jianrong.com, Totem ... 10 were the top platforms in the auto loan industry this week, and the turnover of all platforms exceeded 10 million yuan.
Micro-loan network topped the list, with a cumulative turnover of 383 million yuan this week. The cumulative turnover of Qunar.com this week exceeded 654.38 billion yuan for the first time, and Jin Rong ranked third, with turnover exceeding 50 million yuan. According to statistics, the cumulative turnover of 20 platforms this week was 743 million yuan, accounting for 2.8% of the total turnover of the entire online lending industry.
2. Weekly comprehensive rate of return ranking of car loan platform
This week's statistics show that the comprehensive average yield of 20 platforms is 16.32%, which is 3.74 percentage points higher than the average weekly yield of the entire online lending industry 12.58%.
Huitong Easy Loan, Auto Loan and Hengxin Easy Loan rank among the top three in terms of yield, among which the comprehensive yield of Huitong Easy Loan and Auto Loan exceeds 20%, and the average yield of Hengxin Easy Loan and Liye Loan is close to 20%. In this week's statistics, the yield of 14 platform exceeded 15%, and the yield of the other five platforms exceeded 1 1%.
3. The ranking of the average loan term of the car loan platform in one week.
The average loan period of the 20 car loan platforms counted this week is 4.75 months, which is 2.02 months shorter than the average loan period of the entire online loan industry this week of 6.77 months.
From the specific platform, Huitong Easy Loan has the longest loan term, with the average loan term exceeding 17 months, and the average loan term for everyone to gather wealth reaches 12 months. These two platforms are the only platforms with an average loan term of more than 10 months this week. The average loan term in Haoyi.com, Jiurong.com and Microfinance.com is more than five months, while the average loan term in other platforms is less than five months. As the name implies, Short Rong.com has the shortest average loan period and is the only platform that does not exceed 1 month.
4. Weekly loan bidding ranking of car loan platform
Statistics this week show that 20 car loan platforms have sold 94 16 loans, of which m.
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