What kind of competition will the online lending industry present in 2015?

In fact, I didn't believe it before, because the frequent rate of problems on online loan platforms is so high, how can it still flourish. But the data of the online loan home makes me have to believe it. Because of this, the regulation of online lending has always attracted much attention, and it is hoped that it can be introduced as soon as possible.

Some consumers said that after the two sessions, the Ministry of Inclusive Finance held a meeting on P2P regulatory rules to industry associations and financial offices in several major P2P regions across the country. In addition to the four red lines previously proposed, the registered capital threshold has also been proposed, and a series of regulatory measures such as nuclear leverage management, fund custody and single transaction limit have been implemented.

According to people familiar with the matter, the meeting put forward a registration threshold of 30 million yuan for P2P online loans, and the platform executives must have banking work experience or relevant financial experience. In addition, there are certain standards that need to be met in the technology of P2P platforms.

Of course, the detailed rules for the P2P industry are still in the process of soliciting opinions and have not yet been decided. The final confirmation of the document still needs to be approved by the China Banking Regulatory Commission, *** and other levels before it can be implemented. In the current situation, there are too many P2P platforms in the market and their business models are also different, so there are many factors for the development of regulatory rules.

In terms of the new idea of P2P supervision, some professionals believe that the positioning of P2P platform attributes is different from that of financing guarantee companies and small loan companies, and its main positioning is information intermediary, in which there is no risk guarantee, which seems to be a bit inappropriate for leverage supervision. If the regulation is implemented in that way, it is likely to face the development dilemma of these two industries in the future.

As for the issue of leverage restrictions, according to the data of Online Loan Home, most of the domestic P2P platforms are within 10 times leverage, accounting for about 60%, while platforms between 10 times and 20 times and platforms with more than 20 times leverage account for 20%. Industry insiders said that due to the rapid development of P2P, 10x leverage is still up for discussion. However, some people are concerned that for now, most platforms do not meet the 10x leverage requirement, and if leverage restrictions are to be implemented, then it is likely that these large platform risks will be released at one time.

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The "winter" of the online loan industry in 2018 seems to be a bit long, but fortunately, the "spring" will still comeFor the future, with the recovery of the industry, online lending platforms may begin to compete for the track in the future, but the self-inspection work carried out this year has undoubtedly done a round of reshuffle. In the future, the watershed of the industry is expected to be highlighted, and the leading enterprises in the industry will be the first to enter the fast lane.

Analysis of the development of P2P online lending in October

According toProspective Industry Research InstitutePublished in theP2P online lending industry market prospect and investment strategic planning analysis reportAccording to statistics, in October 2018, China's online loan prosperity index showed that although there was a slight rebound, the overall situation was still in a state of recession, mainly because of the risk outbreak in the previous few months, many lenders were risk-averse, and it will take some time for confidence to recover. As of the end of October 2018, the cumulative transaction volume of the P2P online lending industry has reached one trillion yuan, and it is expected to exceed the 8 trillion mark this year. At the end of October, the number of platforms operating normally in the P2P online lending industry dropped to 1,231, a decrease of 46 from the end of September.

According to incomplete statistics from the Prospective Industry Research Institute, the number of suspended and problematic platforms in October was 46, a month-on-month decrease.

Statistics of China's P2P online loan prosperity index from January to October 2018.

Top compliance companies will enter the "fast lane".

For the future of the industry, some compliance leading companies will enter the "fast lane", and polarization in the industry may appear.

How to describe the online loan industry this year? - Most people may feel that they have gone through a process of constant obsolescence. In June this year, the P2P problem platform exploded, and the online lending industry experienced an unprecedented test, but as a result, the online lending environment has been purified at a deeper level.

After the first round of reshuffle of the mutual finance platform this year, the self-inspection work set off by industry associations and other regulatory authorities has once again opened a new round of tests for the online lending industry.

For 2018, the online lending industry seems to have been in a process of continuous screening and filtering, screening and filtering out non-compliant platforms and eliminating them. Industry insiders also said that in the long run, the Internet finance industry has experienced the process of removing the false and retaining the true, which follows the objective law of industry development. Although the industry is experiencing pains, with the gradual clarification of regulatory policies and the gradual clearing of inferior platforms, it has laid the foundation for the healthy development of the industry.

The P2P online lending industry has a broad space for development

The P2P industry is currently in the stage of gradually recovering confidence, and after easing the operating pressure, the online lending industry will usher in spring again. Driven by regulatory compliance, the market environment will gradually become sunny and healthy. The expert further pointed out that the P2P industry has been playing an active role in the field of financial service entities and inclusive finance, although the risks continue to be renewed, but as long as the information intermediary positioning, return to the point-to-point business origin, this industry still has a broad space for development.

2018 in the online lending industry is more like a sports car that has been overhauled for a period of time, and after the overhaul of various parts, this sports car will carry the head compliance enterprise farther and farther.

Since the second half of 2018, the risks of the online lending industry have continued to be cleared, the Matthew effect has continued to appear, the head platforms have shown a situation of the strong and the strong, and industry investors have also received risk education in the process of continuous risk clearing, becoming more mature and stable. In the first half of 2019, as the regulators accelerated the removal of non-compliant platforms and actively promoted the pilot work of compliance filing, the cold spring of the online lending industry did not last long. According to the statistics of Online Loan Home, as of the end of May 2019, the number of normal operating platforms in the P2P online lending industry dropped to 914.

Since June 2018, in less than a year, the number of platforms has shrunk by 58%, most of which are small and medium-sized platforms with poor operation, and in the second quarter of 2019, the head platforms in the forefront of the online lending industry have made efforts one after another, and the "capital increase tide", "filing fever", "compliance seeking" and "transformation" have become stable development. The key words of industry development in the first half of the year, recently, the industry's head platform ppmoney online loan spent 50 days in Beijing, Shanghai, Guangzhou and Shenzhen held four executive private meetings, platform executives and lenders face-to-face frank Q&A, efficient communication content is worth paying attention to, but also become the industry's observation window to examine the next stage of the development trend of the online loan industry.

Do you think the core advantage of online loan Pinghui is in the **?

It is convenient to apply and suitable for a wide range of people;

Convenient approval and faster payment issuance;

It is convenient to repay, can be repaid in a variety of ways, and has a large market space;

It is necessary to rely on the publicity and word-of-mouth establishment of the high-traffic platform Yuxu.

Disadvantages: The quota is generally not too high, and it is only suitable for emergency turnover.