1. According to the mandatory disclosure of 109 in the Standard for Personal Peer-to-Peer Lending Groups of Internet Financial Information Disclosure (T/Nifa1-2017) issued by China Internet Finance Industry Association, the platform is rated.
2. There is no weight among organization information, operation information and project information, and the following scoring method is adopted:
3. If the platform is not engaged in corporate loans or personal loans, the project information related to non-operating business has been disclosed by default. For example, Platform A only provides loan matching services for natural persons, and the corporate loan projects of this platform are disclosed by default.
4. For the information related to major matters that need to be disclosed in the institutional information, the following standards shall be adopted with reference to the List of P2P Compliance Checks issued by Jin Mu Remediation Office in August (hereinafter referred to as "108"):
(1) If there is a major event, it shall be made public within 48 hours;
5. The trust standard requires employees to disclose to the public the relevant information of the transactions brokered by online information lending intermediaries as of the end of last month within the first five working days of each month, so the information that has not been disclosed within the first five working days is regarded as undisclosed.
6. If the information of the borrower's income and liabilities and the overdue information of this platform are not clearly listed in the project information, and only the names of the disclosed projects are listed, the list will be regarded as undisclosed (such as income and liabilities:-); If you can't provide the loan information and credit report of other platforms, you need to explain (if you can't provide it temporarily).
7. According to the "postage requirements", it is required to disclose the detailed information of a single bid section in the project information. If the details of the bidding to be matched are not disclosed in the automatic bidding tool (only the service displayed on the page) or call auction, it will be regarded as undisclosed and will not be scored.
Second, list analysis.
Compared with the previous issue, there are 143 platforms and 7 new platforms in this issue. Overall, information disclosure has improved. Among the booking platforms, 7 1 scored higher, accounting for 50% of the booking platforms, with an overall average increase of 3.7 points and a median of 1.8. Among them, the scores of Copper Shopkeeper, Zhongrongbao, Mizhuang, Xinerfu, Dianniu Finance and Hongxiaobao increased by more than 10; The score of 16 decreased, mainly because the platform failed to update the operation data of 1 1 in time. There are 7 new platforms, with an average comprehensive score of 84.8 points. Except for 27 new platforms, all new platforms are post-75 s.
Among the platforms listed in this issue, the comprehensive score is 84. 1, and the median is 87. 1, among which there are 1 13 platforms with 80 points or above, accounting for 75.3% of the total, 4 more than 10. There are 54 platforms with a score above 90 (accounting for 36%), which is 6 more than 5,438+10 in June. The overall score of platforms with scores above 90 points increased, with a median of 93.7, which was nearly 1 point higher than the previous period. Compared with 5438+00 in June, the number of platforms below 60 points decreased by 2, ***7, and the rest accounted for the following:
On the whole, the information disclosure of institutions on various platforms is good, with more than 80% of the information disclosed by 1 17 platforms, and some platforms supplemented financial and auditing information in official website. As of 65438+February, 10, * * * 79 platforms (52.7%) disclosed all three contents of financial and audit information, 20 more than that in 65438+February; 6 1 platform released some audit information; Three pieces of information of 10 platform have not been published.
And the timeliness of updating platform operation information is improved. As of June 65438+February, 10,1platform failed to disclose its operation data on time through the website of official website or Mutual Gold Association, which decreased by 5 platforms compared with the same period of last month (16 platform was not updated in time last month).
The transparency of project information still needs to be improved. Only 865,438+0 companies (54%) disclosed more than 80% of the target information. The Code for Credit Information stipulates that "before the lender confirms to lend money to the borrower, the employees shall disclose the loan project and the borrower's (natural person or legal person) information to the lender in time". As of this statistical time, there are still 7 platforms to carry out automatic bidding business, and the information of the target to be matched has not yet been released; Compared with the previous period, e-mail HP,
In this list, the score of the favorable network has increased greatly, increasing by 7 points compared with the previous period. The favorable network tied for the first place with the micro-loan network and foreign currency jar with 98.0 points, because it disclosed the post-loan tracking information. Shouwang.com (supplementary borrower information), Copper Shopkeeper (some institutional information can be viewed in Mutual Gold Association), Zhongrongbao (all operational information can be viewed in Mutual Gold Association), Mizhuang (operational information can be released in time), Xinfufu, Dianniu Finance (supplementary institutional information and timely release of operational information) and Hongxiaobao (supplementary institutional information and timely release of operational information) have also been greatly improved.
In addition, due to the incomplete information disclosure of some projects of Hongling Venture Capital (some bond replacement projects and net worth standard business), the score dropped this time. Jianrong.com Jin Rong College, Dianrong, MCC Rongxing, Daren Loan, Netcom Pratt & Whitney; Whitney Pratt & Whitney. Whitney Wealth Management, Jinjin Investment Bank and Qianjinfu did not publish the business information of 1 1 in time, and the ranking of this list declined.
20 18 1 1 P2P online lending platform information disclosure ranking
Note: 1) Listed P2P institutions may be bound by the rules of the Stock Exchange and cannot disclose some data in time, thus affecting their scores; 2) Tairan Finance is marked as reservation mode, so it is impossible to check the matching items in advance. However, according to the loan calculation, after matching, you can check the details of the investment target, you can contact customer service to cancel the auction, and give 50% of the corresponding disclosures; 3) The list of this issue has been added: digging for wealth, real money, lazy investment, Hairongyi, Henghuirong, Wutong Chengxuan and Stone Finance. Shandong Expressway Jin Fu (low score, less to be paid), Dingding Jin Fu (no new bid for one month), Yinhu. Com (overdue), Lejin Institute (liquidation), Yitong Loan (overdue), Long Jinbao (overdue) and Merchants Loan (seriously overdue) were removed.
Related Q&A: Which of the top 100 P2P online lending platforms is the best? Is there a detailed ranking? Choose the platform according to the ranking, it is better to choose the platform according to your own needs: 1. At first, only investing in P2P financing with the lowest risk will give investors higher returns than bank financing and Yu 'ebao, which is already very high for newcomers. There are several types of low-risk platforms: the first type is the P2P platform of the bank, that is, the P2P platform under the bank, with the bank's credit and assets from the bank, the risk is extremely low. The second category is the P2P platform under the big group, namely, the P2P platform under the giants such as Sohu, Gome and Sunshine Insurance, which is well funded, standardized in operation and close to trust. The third category is the P2P platform that has been listed on its own, with transparent risks and very controllable risks. The fourth category is a platform that has formed a leading position in the industry and has its own core competitiveness. Capital and assets are concentrated in it, and the risk is relatively low. 2. Investment needs to learn to climb before learning to run. P2P financial management is still relatively deep. Hippo has met many new people and is uneasy about the present situation. After reading several raiders, I thought I knew a lot about P2P financial management, so I tried to choose a platform and threw it at random, often playing with fire unconsciously. Income and risk are directly proportional in most cases. The higher the income, the greater the risk, the more difficult the investment, the more professional knowledge you need to master and the more energy you need to invest. For example, the "small but beautiful" platform with a revenue of around 13%-20% in the market is very attractive. Investing in this kind of platform requires investors to have strong professional ability and information acquisition ability, and to have a deep understanding of the business of the platform to control risks. Newcomers don't have this ability. 3. Learn more about the platform. When you invest in a platform, your subconscious will believe it. This attitude is not desirable. We should know and remember that we can't have feelings for the platform, because the risks in the financial market are changing rapidly. It is necessary to pay attention to the dynamics in the industry in real time, understand the latest news of investment platforms, and pay attention to the information of investment targets from time to time. After all, financial management is our own business. No matter what kind of investment, there will be risks, which requires investors to invest before. Keep abreast of industry trends when you have nothing to do, and minimize investment risks. Related Q&A: What are the well-known p2p websites in China? What are the well-known p2p websites in China? The following are the top ten P2P platforms worth investing in China in 20 17 years, in no particular order, according to the operation and data of the major P2P platforms, combined with the safety and risk control of online lending websites:
Lufax: Comprehensive evaluation: ★★★★★☆.
Website perception: the website section structure is reasonable, and the novice guide is very detailed.
Jump speed: not particularly fast, but within the normal range.
Registration process: relatively simple, without too complicated process.
Simple investment: the information of each project is relatively complete.
Product category: very rich, novices will feel a little at a loss.
Hongling Venture Capital: Comprehensive evaluation: ★★★★★☆.
Website look and feel: the overall layout of the website is relatively simple, and the tone is relatively simple and single.
Jump speed: secondary pages are sometimes a little slow and have little impact.
Registration process: very fast and simple.
Investment is very simple: after entering the investment page, it is a mess and a little overwhelmed.
Product category: Many borrowers' specific information is not detailed enough, which will make investors feel risky.
Which network to vote for: comprehensive evaluation: ★★★☆☆☆
Website look and feel: the color of the page is simple and clear, and the novice guide on the home page is very conspicuous.
Jump speed: ordinary, occasionally slow.
Registration process: there are two registration methods: mobile phone and email, which are more humanized.
Simple investment: the investment part of the page is a bit incomprehensible and the operation is not simple enough. At present, there is only one recharge method of online banking, which is a bit backward and outdated.
Product type: the quantity is neither too much nor too little, which is relatively normal.
PPmoney: comprehensive evaluation: ★★★★★☆.
Website perception: The content of the forum is very rich, and there are many platforms to share data.
Jump speed: the secondary page is a bit slow.
Registration process: it's faster and you don't need to fill in too much information.
Simple investment: the investment part is very clear on the home page.
Product type: there are few investable products and the variety is not rich enough.
Favorable network: comprehensive evaluation: ★★★☆☆
Website sense: the homepage is traditional in style and has no features.
Jump speed: some secondary pages jump slowly and are not easy to operate.
Registration process: verification is required, etc. , a bit cumbersome.
Simple investment: the recharge channel is relatively simple, and there is basically no mainstream way now, which has no advantage for the younger generation.
Product category: In addition to traditional projects, there are also transfer areas.
Auction and loan: comprehensive evaluation: ★★★★★☆.
Website perception: The interface looks comfortable and the product type is single, but there is no forum for investors to ask questions and exchange.
Jump speed: a little slow, especially when investing, I feel that the background processing speed is slow.
Registration process: there are various ways, which are simple.
Simple investment: There are mainstream payment methods at this stage.
Product category: Compared with other platforms, it is slightly simplified.
Everyone's loan: comprehensive evaluation: ★★★★★☆.
Website impression: the page is concise, and the novice guide section is very practical.
Jumping speed: faster, not too long.
Registration process: similar to other big platforms, it is very fast and nothing special.
Simple investment: There are many investment pages, which are somewhat dazzling.
Product category: product categories are rich and more selective. However, some projects have a long cycle, such as 36 months, which may make investors a little uneasy.
Building blocks: comprehensive evaluation: ★★★★★☆.
Website sense: the website layout is simple and traditional, without too many colors.
Jump speed: very fast, whether it is a secondary page or in the process of investment.
Registration process: registration is very simple, you don't need to fill in too much personal privacy information, and support third-party login.
Simple investment: Although the fund custody of Minsheng Bank is highly secure, it is not very convenient for investors without bank cards.
Product category: there are fewer projects that can be invested.
You and I borrow: comprehensive evaluation: ★★★☆☆☆
Website sense: the page is rich in colors, which is a bit too fancy at first glance and some aesthetic fatigue. There is a community for investors to communicate.
Jump speed: faster, not too stuck.
Registration process: normal, not cumbersome and relatively simple.
Simple investment: Beginners may be a little confused. There are too many different items on the home page.
Product type: There are so many kinds of products that investors are dazzled and don't know which product to invest in. Not suitable for old investors. In addition, there is the problem of long project cycle.
Sanyibao: Comprehensive evaluation: ★★★★★☆.
Website sense: the website interface is clear, the project display is clear at a glance, and the design is simple and generous.
Jump speed: very fast, whether it is the page or in the investment process.
Registration process: It doesn't involve too much privacy, which is normal and the whole process is smooth.
Simple investment: funds can be withdrawn quickly and most mainstream bank cards can be recharged.
Product category: relatively simple, only doing corporate financing projects, but this will have a higher safety factor.