After sorting out the data of these 73 platforms in June, 5438+00, the online loan house found that the amount of new loans in June, 5438+00 was almost zero under the background of stricter supervision of online loans mainly based on cash withdrawal, including several major platforms such as pat and self-lending. And several major platforms, including Jiufu Pratt & Whitney; Whitney, Wang You, 5 1 et al. The amount of new loans also dropped sharply from last month. At the same time, the loan balance of almost all platforms decreased from the end of September. It is worth noting that in the context of scale contraction, the overdue rate of some large platforms is continuously "passively" rising.
On June 5438+ 10, the amount of new loans, such as auction loans and loans from you and me, plummeted by 99.5%.
On June 5438+ 10, the trend of strict supervision of online lending, which focuses on retreat and transformation, continued to dominate the industry. Then, is the platform in the industry really as required by the supervision: reducing the scale of P2P and actively seeking transformation or exit?
To this end, the online loan house combed the performance of the main operating data (new loan amount, loan balance, lender and borrower) of 73 platforms in 5438+ 10, as shown in the following table:
Judging from the amount of new loans, the data of most platforms dropped to 10 in 20 19. The reason is that on the one hand, the platform actively shrinks to meet the regulatory requirements of "three downs". On the other hand, the negative sentiment of the industry itself also makes lenders take the initiative to "tighten their money bags" and cautiously invest in new borrowers.
Specifically, from the platform of the month-on-month growth of new loans in May 438+00 (in order to highlight the key points, the data of the head platform are listed below), the new loans of Pleasant Loan, which previously announced the integration of CreditEase Resources, exceeded 2 billion yuan in June 5438+00, a substantial increase of 96.5% compared with September, which was eye-catching. Correspondingly, CreditEase's comprehensive platform CreditEase Huimin's new loans decreased by 67% month-on-month.
In addition, in the head platform, the new loans of micro-loan network and Renren Loan increased by 1 1.3% and 4.6% respectively in June.
Judging from the platform where the amount of new loans has declined, the two head platforms from Shanghai are very eye-catching. Their new loans in June 5438+ 10 were all below 3 million, down 99.5% from the previous month. In contrast, the new loans of these two platforms last month were several billion yuan.
The new loans of Jiufu Pratt & Whitney, Youyi.com, Yilong Loan, Xiaoyin.com, 5 1 etc. 10 also decreased significantly compared with last month. In contrast, in September, some of these big platforms were still actively increasing their trading volume. Obviously, under the background of the continuous release of strict supervision in June 5438+ 10, many head platforms have "converged" a lot.
Judging from the loan balance, by the end of 10, the loan balance of almost all platforms had decreased compared with the end of September, and the head platform reduced the loan balance uniformly.
In terms of the absolute amount of loan balance, among the 73 platforms, the number of platforms with loan balance exceeding 10 has decreased to 15, the number of platforms with loan balance exceeding 5 billion has decreased to 2 1 0, and there are 32 platforms with loan balance exceeding 10. Among them, the loan balance of Paipai Loan and 5 1 two platforms decreased to 66.
In terms of the month-on-month decline in the loan balance, the biggest decline in the head platform was the pat loan, and its 10 loan balance decreased by 23.57% to 9.25 billion yuan. Secondly, among the 5 1 people affected by the survey, the loan balance at the end of 10 decreased from September 18.53% to 8.745 billion yuan.
The online loan house noted that among the above 73 platforms, two large P2P platforms from Shanghai performed particularly well in taking and owning loans: the new loans of the two platforms were almost zero in 5438+ 10, and the loan balance of the two platforms declined without the new transaction amount.
In fact, judging from past online comments,
Looking at the overdue data, the statistics of online loan house show that as of the end of 20 19 and 10, the overdue data (including overdue amount, overdue rate of amount and overdue rate of project) of 30 of 73 platforms showed non-zero.
In terms of overdue rate, the overdue rate of1/platform exceeds the demarcation line of high-risk platform 10% mentioned in previous regulatory documents (see the red part of the table at the end of the article for the list of1/platforms), and the overdue rate of eight platform projects exceeds 10% at the same time. In addition, the overdue rates of Sack Wealth, Lazy Investment and yowza Loan also exceeded 10%, and the overdue rate of Sack Wealth was at a high level of 7.26%.
It is worth noting that at present, the auction loan of P2P business has been greatly suspended, and the latest overdue rate has exceeded 10%, reaching 10.77%, up 3.64 percentage points from the end of September. The overdue rate of 10 project also reached 9.6 1%, which was 1.96 percentage points higher than that at the end of September.
The online loan house had previously issued a document speculating that the high overdue rate of auction loans was related to its own initiative to respond to regulatory requirements, shrink P2P business and reduce the balance of existing business loans. Because the loan balance is the denominator in the publicity of overdue rate calculation, the sharp reduction of the denominator (loan balance) will inevitably push up the overdue rate (the related data trend is shown in the following figure).
Attachment: List of overdue and accumulated compensation data of 73 platforms.
Related Q&A: How often is the online loan data updated? Online loan big data is updated once every 3 to 6 months. Once the debt is paid off, wait silently for the next update of this online loan big data system, because the previous bad records will be overwritten with the system update.