What is the P2P environment like now? What is the outlook for the P2P industry?

It's starting to get better, the wind is changing. The thunderwave may pass in the short term. Then just wait for the next thunderwave.

Dump a large batch, leave a small batch, and the risk of default rises sharply.

As of the end of July 2018, there are only 1,645 P2P platforms in normal operation, and there are 4,740 problematic platforms, accounting for 74%, and "thunder" incidents are frequent, especially since this year, there have been more than 700 business closures and problem platforms, the proportion of investors involved has increased to, and the proportion of loan balances has increased to, and the default risk of the P2P industry has accelerated.

The era of Chinese-style P2P has come to an end, and with the advancement of financial deleveraging, the deterioration of the financing environment and the upgrading of financial supervision, a belated liquidation has arrived.

The general environment is not good, and the hot money period has passed.

After the robbery, those who stayed were the kings.

In the past, the China Banking Regulatory Commission and the Insurance Regulatory Commission did not supervise P2P, but now the state has asked the regulatory authorities to strictly supervise P2P and require that there must be bank depository. The country is constantly turbidizing and purifying, and the P2P environment is also getting better.

The environment is better now, not as bad as the previous thunderstorm.

On July 9, the People's Bank of China, together with relevant member units, made arrangements for the next stage of the special rectification of Internet financial risks. The meeting believed that since the launch of the special rectification of Internet financial risks, all departments and regions have closely cooperated and strengthened cooperation, and carried out the rectification work in accordance with the unified deployment, the overall risk level of Internet finance has decreased significantly, the regulatory system and mechanism have been gradually improved, and the situation of disorderly development and ecological deterioration of the industry has improved.

The meeting pointed out that it will take another 1 to 2 years to complete the special rectification of Internet financial risks, resolve stock risks, eliminate hidden risks, and initially establish a regulatory system that adapts to the characteristics of Internet finance. Wu Yiran, an industry insider, believes that with the joint efforts of national regulatory authorities and industry participants, the P2P industry is experiencing a period of improvement and upgrading, which has also laid the foundation for the healthy development of the industry in the future.

Online wealth management is different from traditional bank wealth management products. With the continuous strengthening of the country's supervision of Internet finance, after the continuous survival of the fittest in the market, there are now many Internet financial platforms and products that are reliable.

The P2P industry, as an emerging business, has received widespread attention, especially the situation that appeared a while ago, which made many lenders who want to lend P2P products daunting. Nowadays, many lenders want to lend P2P products, but they don't know how to start, and many lenders will have such and such concerns. For example, what about the risks and whether the benefits are good or not, these are hot issues that everyone is widely concerned about.

In fact, at present, the P2P industry has begun to pick up, and some platforms have also begun to re-attract funds by doing activities. Although the self-inspection of some platforms has not yet ended, some lenders have begun to come back to lend P2P products. It can be seen that P2P products can still be lent now.