网络小贷门槛陡升行业洗牌在即 P2P转型更难了

11YUE2RI,YINBAOJIANHUIHEYANGXINGFABU《WANGLUOXIAOEDAIKUANYEWUGUANLIZANXINGBANFA》(ZHENGQIUYIJIANGAO),DUIWANGLUOXIAODAIopeTIYUDIANJINGGUANFANGWANGZHANSHIJIA“JINGUZHOU”,XIAODAIXINGYEMIANLINXIPAI。YENEIRENSHIRENWEI,YIFANGMIAN,GUANLIBANFASHIXIAODAIopeTIYUDIANJINGGUANFANGWANGZHANDESHENQINGMENJIANJINYIBUTIGAO,WANGDAI(P2P)PINGTAIZHUANXINGZHILUNANDUJIADA;LINGYIFANGMIAN,DUIYIXIEHULIANWANGJIGOUERYAN,SHOUCHUZIBILIXIANZHI,LIANHEDAIKUANYEWUJIANGSHOUDAOJIAODAYINGXIANG。

11月2日,银保监会和央行发布《网络小额贷款业务管理暂行办法》(征求意见稿),对网络小贷ope体育电竞官方网站施加“紧箍咒”,小贷行业面临洗牌。业内人士认为,一方面,管理办法使小贷ope体育电竞官方网站的申请门槛进一步提高,网贷(P2P)平台转型之路难度加大;另一方面,对一些互联网+机构而言,受出资比例限制,联合贷款业务将受到较大影响。

新规有利市场规范化发展

XIAODAIopeTIYUDIANJINGGUANFANGWANGZHANWANGLUODAIKUANYEWUJIANGSHOUDAOJINYIBUGUIFAN。

“CIQIANSHANGYEYINXINGHEXIAOFEIJINRONGopeTIYUDIANJINGGUANFANGWANGZHANSHENQINGPAIZHAOBIXIAODAIopeTIYUDIANJINGGUANFANGWANGZHANGENGNAN,ERQIESHANGYEYINXINGDOUNANYIZUODAOQUANGUOZHANYE,KESHIWANGLUOXIAODAISHENQINGNANDUDI,FANERNENGZUODAOQUANGUOZHANYE,SHENZHIHAISHIWUDIYADAIKUAN,ZHEISHIJIANGUANTAOLI。”DUIYUWANGLUOXIAODAIXINZHENGCHUTAI,ZHONGGUOXIAOFEIJINRONG40RENLUNTANFUMISHUZHANGCHENGXUEJUNDUIZHENGQUANSHIBAOJIZHEBIAOSHI。

PANGUZHIKUGAOJIYANJIUYUANJIANGHANRENWEI,DANGQIANZHENGGEWANGLUOXIAODAIXINGYECHUYULIANGYOUBUQI、NISHAJUXIADEZHUANGTAI,XINGUIYOULIYUXIAODAISHICHANGGUIFANHUAFAZHAN。

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GUANGDAZHENGQUANFENXISHIWANGYIFENGFENXI,XIANJIEDUANWANGLUOXIAODAIopeTIYUDIANJINGGUANFANGWANGZHANSHULIANGYUE250JIA,SHOUGANGGANLVSHANGXIANHESHUISHOUZHENGCEYIJISHENPINANYICHENGDUYINGXIANG,QIZHONGYUE100JIAJIZHONGZAIZHONGQINGHEGUANGDONGDIQU,LIRU,MAYIJITUANDEQIXIA2JIAXIAODAIopeTIYUDIANJINGGUANFANGWANGZHANJUNWEIYUZHONGQING。

WANGYIFENGBIAOSHI,WANGLUOXIAODAICUNZAIYIDIZHANYE、GANGGANLVPIANGAOXIANXIANG,SHILIJIAOQIANGDEWANGLUOXIAODAIopeTIYUDIANJINGGUANFANGWANGZHANTONGGUOFAXINGZICHANZHENGQUANHUACHANPIN(ABS)CHUBIAODENGFANGSHIXISHOUZIJIN,SHIJICHANSHENGDEGANGGANKENENGDASHIBEIZHISHANG,ZHENGTIGANGGANLVPIANGAO。

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类金融业务受冲击

CICIGUANLIBANFAZHENGQIUYIJIANGAODECHUTAI,JIZHENGGEWANGLUOXIAODAIXINGYESHENZHIXIANGGUANLEIJINRONGYEDOUDAILAILEYINGXIANG。

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YANGXINGSHUJUPILU,QUANGUOXIAODAIopeTIYUDIANJINGGUANFANGWANGZHAN7227JIA,HEJISHISHOUZIBENWEI7979YIYUAN,JIPINGJUNMEIJIADEZHUCEZIBENWEI1.1YIYUAN。

GENJUTIANYANCHAXINXI,ZHUCEZIBENZAI50YIYUANYISHANGDEXIAODAIopeTIYUDIANJINGGUANFANGWANGZHANJINZHONGQINGMAYIXIAOWEIXIAOEDAIKUANYOUXIANopeTIYUDIANJINGGUANFANGWANGZHAN、ZHONGQINGDUXIAOMANXIAOEDAIKUANYOUXIANopeTIYUDIANJINGGUANFANGWANGZHAN、ZHONGQINGSUNINGXIAOEDAIKUANYOUXIANopeTIYUDIANJINGGUANFANGWANGZHANDENG5JIA。

NANFANGMOUXIAODAIXIEHUIFUZERENBIAOSHI,XINZHENGRUGUOSHISHI,BUSHAOWANGLUOXIAODAIMIANLINZENGZIYALI,RUGUOZENGZIBUDAOWEIJIUHUIMIANLINZHUANXINGHUOTUICHUDEWENTI。

SHIJISHANG,JISHISHIYINBAOJIANHUIPIZHUNDEXIAOFEIJINRONGopeTIYUDIANJINGGUANFANGWANGZHAN,ZHUCEZIBENZUIDIYAOQIUWEI3YIYUAN,YUANBUJIWANGLUOXIAODAICICIXINZHENGDEMENJIAN。

CIQIAN,ZAIP2PXINGYETUICHUHEZHUANXINGWEIZHUJIDIAODEDABEIJINGXIA,JIANGUANCENGDUOCITIJIYINDAOJUBEITIAOJIANDEWANGDAIJIGOUXIANGXIAODAIopeTIYUDIANJINGGUANFANGWANGZHAN、XIAOFEIJINRONGopeTIYUDIANJINGGUANFANGWANGZHANDENGCHIPAIJIGOUZHUANXING。JUWANGDAIZHIJIABUWANQUANTONGJI,JIEZHI2019NIANMO,QUANGUOGONGYOU21JIAZHENGCHANGYUNYINGDEP2PPINGTAIHUOQIGUANLIANQIYEHUOQULE25ZHANGWANGLUOXIAODAIPAIZHAO。

“DUIYUopeTIYUDIANJINGGUANFANGWANGZHANWANGLUOXIAODAIYEWUDEQIYEDEZIZHIYAOQIUJIWEIYANGE,ZHIYOUJISHAOSHUYOUSHILIDEQIYECAIYOUZIGEopeTIYUDIANJINGGUANFANGWANGZHANXIANGGUANYEWU,YEYIWEIZHEP2PDENGJIGOUJINXINGXIAODAIYEWUZHUANXINGDEDAOLUYUELAIYUENAN。”YIDONGZHIFUXINGYEZHUANJIAWANGXIAOWEIDUIJIZHEBIAOSHI。

CIWAI,GUANLIBANFADUIWANGLUOXIAODAIDELIANHEDAIKUANCHUZIBILIJINXINGXIANZHI。ZAIDANBILIANHEDAIKUANZHONG,JINGYINGWANGLUOXIAODAIYEWUDEXIAODAIopeTIYUDIANJINGGUANFANGWANGZHANDECHUZIBILIBUDEDIYU30%。XIAODAIopeTIYUDIANJINGGUANFANGWANGZHANTONGGUOLIANHEDAIKUANGUOKUAIKUOZHANGDEBUFASHOUDAOYUESHU。

联合贷款业务可谓近年来互联网+机构与银行等发展迅猛的合作业务。银行出资金,互联网+机构则以平台流量数据和风控作为合作要素,双方各取所需。类似互联网机构除了蚂蚁集团,还包括京东数科、度小满金融以及小米金融、陆金所等。

JIANGHANBIAOSHI,LIANHEDAIKUANCHUZIXIANZHIBILIXINGUINEIRONG,JIANGTUIDONGZHENGGEHULIANWANGJIGOUYUYINXINGHEZUOFANGDAISHICHANGDEJINYIBUXIPAI,DUIYUANXIANDESHICHANGMOSHIJINXINGYICICHEDIDEZHONGZU。


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