Recently, the P2P online lending
Recently, the P2P online lending platform "Little Pig Bank" announced that it has officially completed the uploading of credit data of the People's Bank of China and fully accessed the credit information system of the central bank.
According to the platform, after accessing the central bank's credit information system, the credit information of all borrowers will be submitted to the central bank's credit information system comprehensively and accurately, and will be reflected in the credit information report.
In addition to piggy banks, a number of online lending platforms have recently announced their official access to the central bank's credit information system.
A number of P2P platforms are officially connected to the central bank for credit reporting.
According to the incomplete statistics in the era of eliminating gold, 20 platforms, such as Renren Loan, Hengyi RongLoan, Daokou Loan, Shoujin.com, PPmoney Online Loan and Dry Loan Network, have been officially connected/are being connected to the central bank's credit information system.
(Legend: According to the public information, the data of Daokou Loan and Cabbage Finance is February 26th, the data of Phoenix Zhixin is 19, 12, and the rest is 1. )
According to statistics, among the above 20 platforms, there are 15 platforms in Beijing, 2 platforms in Shanghai, and 1 platform in Guangzhou, Guiyang and Hangzhou respectively, with a total outstanding balance of 229.505 billion, accounting for 46.69% of the total outstanding platforms in P2P online lending industry.
At present, 12 of the 20 platforms have been connected to the central bank's credit information system, and 6 platforms are being connected (including 1). Among them, Jiufu Pratt & Whitney, Qianjin Jin Fu and other platforms have announced access to the central bank's credit information system, and data uploading will be completed soon. The building block of the small loan company that recently announced its withdrawal from the transformation of online loan business also said that it is actively docking the credit information system and is expected to be completed soon.
In addition, according to previous news, some businesses such as Pleasant Loan and Auction Loan are connected to the central bank's credit information system, while platforms such as He Zhong E Loan and You Me Loan are connected to the central bank's credit information through third-party cooperative institutions.
According to the screenshots provided by some users, at present, the central bank's credit report can query the borrower's loan records on platforms such as Renren Loan and piggy bank.
Another user's credit report shows that he borrowed 73,500 yuan on 5 1, which was overdue from 20 18 and 15, and was included in the list of borrowers who maliciously evaded debts. The effective date is 2020 15, and the punishment institution is Jin Mu remediation office.
(Legend: From my love card)
Since 2065438+September 2009, the regulatory authorities have issued the Notice on Strengthening the Construction of Credit Information System in P2P Online Lending Field, and leading groups for the special rectification of Internet financial risks and online lending risks have organized P2P online lending institutions within their jurisdictions to access credit information institutions such as financial credit information basic database operators (central bank credit information system) and hundred banks credit information system, and the P2P online lending industry has set off a boom in the docking of credit information systems. Now, after several months of industry promotion, we have finally made substantial progress.
According to media reports, at the beginning of 10, the Credit Information Center of the People's Bank of China held a training course for P2P online lending institutions to access the credit information system. Hundreds of P2P platforms participated and expressed their willingness to connect with the central bank for credit reporting.
According to reports, the process of docking the central bank's credit information is not easy. It needs to be approved by the financial office, the central bank sub-center and other regulatory agencies, and all the historical stock data and new data that meet the requirements are submitted. In addition, the test cycle of accessing the system for each platform is different, and the access test takes 2 to 3 months.
According to this time period, a number of online lending platforms will be officially connected to the central bank's credit information system in the next period.
Regulatory readjustment, P2P is still based on retreat.
Since the thunderstorm in the second half of 20 18, the online loan industry has been cleaned up rapidly, and a number of regulatory documents have appeared frequently, which has brought many challenges to the platform.
In the whole year of 20 19, the industry has undergone earth-shaking changes, from documents no. 175 and the draft filing pilot documents exposed at the beginning of the year 1 to the beginning of April, and then at the end of the year 1 1, 83 were issued, requiring that some qualified online lending institutions be guided to transform into small loan companies.
Now in 2020, under the influence of the epidemic, the progress of P2P retreat/transformation has been delayed, so some people think that P2P rectification may usher in a turning point. However, just recently, the supervision has been readjusted, and P2P still focuses on cash withdrawal.
Li Junfeng, director of inclusive finance Department of China Banking Regulatory Commission, mentioned at the briefing held on February 25th that the epidemic would not change the direction of P2P special rectification. He stressed that "P2P special rectification, the direction remains unchanged, the rhythm remains unchanged, and it will continue to be unswervingly and thoroughly implemented. P2P is mainly in the direction of' retreat', and the entire special rectification policy has not changed. "
According to public data, the rectification of the online loan industry has achieved remarkable results. By the end of 20 19 and 12, the number of normal operating platforms in the online lending industry had dropped to 343, a decrease of 732 compared with the end of 20 18, with an average of nearly 60 platforms withdrawing every month.
Since the beginning of 2020, many head platforms such as building blocks and micro-loan networks have been affected by the epidemic and strong regulatory policies. One after another, they chose to withdraw from online lending and transform into small loans. Platforms such as 5 1 personality stopped issuing new bids, and everyone gathered money to invest in which network began to quit work.
On the one hand, connecting the data of the online lending platform to the central bank's credit information can clearly see the borrower's historical borrowing situation, effectively improve the risk control ability, and at the same time force the problem platform that does not meet the regulatory requirements to accelerate its exit.
On the other hand, under the epidemic, the collection of online lending platforms has been affected, and the overdue rate has increased, which has put great pressure on the collection. At this time, the P2P online lending platform officially launched the docking with the central bank's credit information system, which has formed an effective deterrent to borrowers who are "fearless" and do not fulfill their repayment obligations according to law. Even if the P2P business model changes under the background of retirement transformation, access to the credit information system will effectively restrain borrowers, and the debt relationship generated by it is still valid.
On the whole, under the current regulatory environment, the space and opportunities of P2P online lending industry are gradually shrinking, but its long course has brought many experiences and lessons to the future financial industry, and it is expected that industry participants will find more development opportunities after shuffling.