In addition, in a number of recent new policies, it was once again mentioned that new business should not exceed the loan limit, and it was clear that net worth standard business could not be carried out. Therefore, the rating of online loan house increases the weight of secondary indicators in the loan amount and reduces the compliance of the platform with the standard business of net worth.
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20 17 12 online loan platform development index rating table (click on the picture to see a larger image)
The above ratings are based on the transaction data of more than 1 0,000 platforms collected in the online loan home database in the last three months, and the 300 platforms that meet the warehousing conditions are rated, and the top 1 0,000 platforms are publicized according to the descending development index. There are many rating indicators, which require high data integrity of the platform. Some well-known platforms cannot participate in the rating because of incomplete data and information acquisition.
Times, investment and wealth management, Baoxiang Finance, Fufu and McKinley Wealth did not enter the top 65,438+000 in this rating, so they will not be displayed. Due to data interface problems, the current score will not be displayed.
Overview of P2P industry in 65438+February and market judgment in 65438+ 10.
The central bank and the China Banking Regulatory Commission issued new regulations to rectify "cash loans"
Zhejiang and Jiangsu have successively issued P2P filing rules (draft for comments).
Following the release of local P2P filing rules by major online lending cities such as Beishangguang, Zhejiang and Jiangsu, the other two regions with the highest degree of online lending development released online lending filing drafts for comments on June 5438+February 65438+February 29. So far, the top five provinces and cities in the scale of online loan development have issued draft rules for online loan filing for comments.
In the online loan industry, the platform of 20 18 will be put on record.
In 20 17, the transaction volume of online lending industry reached 280,484.9 billion yuan, an increase of 35.9% compared with 20 16 (206,387.2 billion yuan), and the growth rate was obviously lower than that in 20 16. The loan balance in 20 17 years showed a steady upward trend. By the end of 20 17, the loan balance had reached122,458,700 yuan. Affected by regulatory policies, the development of 20 17 online loan industry showed a slowdown trend.
In addition, it is worth mentioning that the annual Spring Festival is also the time when funds are most tight. Investors need to choose popular platforms to avoid the closure of small investment platforms due to capital chain problems, resulting in financial losses.
Comments on Representative P2P Platforms
Peer to peer loan
Rise in rank. From June 20 17 to February 2007, the volume of personal loan transactions increased by 22% month-on-month, the number of investors increased by 45% month-on-month, and the trading points and popularity points were improved. The increase of platform loan balance leads to the decrease of leverage point.
teacher
The ranking dropped. Because Jin Lu's service turnover and popularity are in the forefront of the rating list, during the regulatory rectification, the importance of turnover and popularity decreased with the scale control. After the adjustment of the first-level index weight, the service ranking of Jin Lu passively dropped by one place.
Tuandai.com
Rise in rank. From June, 2065438 to February, 2007, the average loan period of the group loan network was about 4 months longer than that of June 165438+ 10, which led to the decline of the platform liquidity score. In June 5438+February, the net bidding scale was about1700 million yuan, and the compliance points were reduced. However, with the increasingly close relationship between the group loan network and the listed company Hongte Precision, the awareness of public opinion has been greatly affected.
Rise in rank. Xinkai's online loan transaction volume is not large. In June 5438+February, the platform transaction volume and the number of investors increased by 30% month-on-month, and both the transaction volume and popularity points increased. At the same time, the brand score of the platform is high, and multiple factors are superimposed, which leads to a high ranking of the platform in this period.
Hengrong
For the new platform. Hengrong is an online lending platform in Heng Chang. The monthly trading volume of the platform is about 1 1 100 million yuan, with a high trading point. The number of investors and borrowers is 5,000 and13,000 respectively, which is generally popular. The platform is mainly based on personal credit loans, with good dispersion and large loan amount. The platform has completed the bank depository business, and the depository bank is Guizhou Bank.
Federal Reserve System [USA]
Rise in rank. The bank depository system that the platform cooperated with hengfeng bank was officially launched, and the compliance score was significantly improved. In addition, the trading volume of the platform increased by 1 1%, the number of investors and borrowers increased, and the corresponding project scores increased. The overall ranking has risen.
destiny
The ranking dropped. From 20 17 to 12, the trading volume of Fortune Planet (formerly Yinke.com) decreased by 25% from the previous month, and the number of trading points decreased. There are too many target loans, and the compliance point is reduced.
Jubaohui
The ranking dropped. 20 17 June, the transaction volume of jubaohui decreased 13%, the number of investors and borrowers decreased, and the scores of corresponding projects decreased. If the platform is exposed to overdue projects, brand points will be reduced.
Zhuben
For the new platform. The monthly turnover of platform 65438+February is about 400 million yuan, and there are about 5000 investors and borrowers, so the popularity score of the platform is low. Before 1, the proportion of 1 borrower's amount to be repaid decreased, and the dispersion score increased significantly. The letter has been improved, making the transparency score higher than the previous period.
Related Q&A: Related Q&A: Will online lending affect credit reporting? How to check your online loan credit? Whether online lending affects credit reporting mainly determines whether online lending platforms involve online lending platforms.
If the online loan platform is connected to the credit information system, the authorized institution will inquire about the credit information. After an individual applies for online loan, a credit record will be generated and displayed in the credit information report, and overdue repayment will be blacklisted, which will affect personal credit information;
If the online lending platform is not connected to the credit information system, the institution cannot retrieve the overdue record of the applicant, so it will not appear in the credit information report, so it will not affect the personal credit information. Some online lending platforms * * * enjoy the online lending blacklist system. After the deadline, the blacklist of online loans may affect your re-application for online loans.
At the beginning of 20 15-20 18, P2P broke out in China and grew wildly. Therefore, most P2P online loans do not have the credit function. Similar to private lending, there will be no record of central bank credit information, and of course there is no overdue credit information on personal credit information.
However, there is a blacklist mechanism. In the process of p2p and private lending, if the loan is not repaid within the time limit, the creditor can sue the malicious debtor in court.
In 20 13, China promulgated several provisions on publishing the information of the list of people who have been executed in bad faith. According to the regulations, the court will announce the detailed personal information of the untrustworthy person who refuses to repay the loan after the judgment of the court. Once the personal information is published by the court, the debtor will be blacklisted from now on. After being blacklisted, the untrustworthy information will be displayed in the personal credit report and become a bad credit record.
How do individuals inquire about big data credit?
Personal credit data are mainly distributed in China People's Bank, personal credit reporting agencies, telecom operators, consumer finance service providers and other large institutions, and no single data source can completely and accurately evaluate them.
In addition, inquiries can also be made through platforms with personal credit licenses such as Sesame Credit, Tencent Credit, Pengyuanzheng Credit, Qianhai Credit, Huadao Credit, Lacarra Credit, China Credit and China Credit.
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