• 佚名 来自： 时代周报 点击： 次 日期：2020-12-01

随着P2P网贷机构清零，曾经所有的疯狂和争议也一同退出历史舞台。11月27日，中国银保监会首席律师刘福寿对外表示，防范化解重大风险攻坚战取得实质性进展，“互联网+金融风险大幅压降，全国实际运营的P2P网贷机构由高峰时期的约5000家，我们逐渐压降到今年11月中旬完全归零”。

CONGGUONEIDIYIJIAP2PopeTIYUDIANJINGGUANFANGWANGZHANPAIPAIDAI2007NIAN6YUECHENGLISUANQI，P2PXINGYECONGWUDAOYOU，JINERBIANDIKAIHUA，ZAIDAO“LEISHENGGUNGUN”，ZHONGYUQINGLINGLUOMU。ZHEIQIANHOUZHIBUGUODUANDUAN13NIAN。

曾经，P2P网贷以创新之名，大行其道。它利用互联网+技术优势，突破空间局限，将投资者的资金与市场借贷需求匹配。在热钱催熟下，各路玩家蜂拥而至，P2P网贷全新的赛道蔚然成型。

“CONGLUOJISHANGERYAN，P2PSHIJIANGLIEZHIZICHANPIPEIJILEBUHESHIDEQUNTI，JIEJUZAOYIZHUDING。”11YUE29RI，SHENZHENYIJIAZIGUANopeTIYUDIANJINGGUANFANGWANGZHANFUZERENXIANGSHIDAIZHOUBAOJIZHEZHICHU。

LUOMUZHIHOU，YIQIECHENGKONG，MANDILANGJIE。RANER，HOUXUWENTIHAIWEIDEDAOWANMEICHUZHI。8YUE，YINBAOJIANHUIZHUXIGUOSHUQINGCENGGONGKAIBIAOSHI，JIEZHIJINNIAN6YUE，WANGDAIPINGTAI“HAIYOUCHUJIERENDE8000DUOYIYUANMEIYOUHUISHOU”。

“CONGLAOPAIP2PJIGOULIANGXINGQINGTUI，ZAIDAOGUILING，XIAYIBUKENENGYAOJIADADUIBULIANGZICHANDEZHUITAOLIDU，WOXIANGXINRENGYISIFATUJINGWEIZHU。”11YUE30RI，CENGJINGDEP2PCONGYERENSHI、XIANGUANGZHOUYIJIAXIAODAIopeTIYUDIANJINGGUANFANGWANGZHANDEFUZERENHUANGPINGDUISHIDAIZHOUBAOJIZHEFENXIDAO。

TONGRI，GUANGDONGSHENGXIAOEDAIKUANopeTIYUDIANJINGGUANFANGWANGZHANXIEHUICHANGWUFUMISHUZHANGXUBEIJIESHOUSHIDAIZHOUBAOJIZHECAIFANGSHIBIAOSHI，P2PSHEZHONGMIANGUANG，ZHONGKOUNANDIAO，SIFAJIEDINGNAN，“‘XIANXINGHOUMIN’DEZERENRENDINGZHOUQIHENZHANG，YOUXIAOZHUITAOYIBANZHISHAOYAOSANDAOWUNIANSHIJIAN”。

11YUE21RI，GUOWUYUANJINRONGWENDINGFAZHANWEIYUANHUIBIAOTAI，JIANGYI“LINGRONGREN”TAIDUYIFAYANSUCHACHUQIZHAFAXING、XUJIAXINXIPILU、EYIZHUANYIZICHAN、NUOYONGFAXINGZIJINDENGGELEIWEIFAWEIGUIXINGWEI，YANLICHUFAGEZHONGTAOFEIZHAIXINGWEI，BAOHUTOUZIRENHEFAQUANYI，WEIHUSHICHANGGONGPINGHEZHIXU。

从巅峰到清零

P2PMOSHICUNZAIDEQIANTISHIJIECHUQUDEQIANSHOUDEHUILAI。DUANDUAN13NIANJIAN，P2PCONGJINRONGCHUANGXIN，DAOBAOLEICHAO，ZHONGYULUXUQINGTUI、GUILING。

2009NIAN，HUJINXINGYEYANJIUZHEYIFEIGANGRUXING。TAXIANGSHIDAIZHOUBAOJIZHEHUIYICHENG，QISHI，P2PXINGYEGUIMOJINYUEWEI1YIYUAN，JIEKUANRENDECHENGBENNIANHUANENGDADAO70%―100%，XIANSHANGTOUZIRENDENIANHUASHOUYIDA30%―40%。

WANGDAIZHIJIADESHUJUXIANSHI，2018NIANZHONGGUOP2PWANGDAIPINGTAIQUANNIANCHENGJIAOLIANGYUE1.79WANYIYUAN。YIFEIRENWEI，JIEKUANRENDECHENGBENZAIZHUBUXIAJIANG，TOUZIZHELILVWEI12%―15%，JIEKUANRENDELILVSHIZAI25%―30%。

YOUYUBUFENPINGTAIFEIFAXISHOUGONGZHONGCUNKUAN，BUFENPINGTAIJIEKUANRENBUHAIQIAN，GUDAOZHIZIJINLIANDUANLIE。

2015NIANHE2016NIAN，P2PPINGTAIPINFANBAOLEI，XINGYEGUIMOJIJUWEISUO，KAISHIZOUXIAPOLU。JIEZHI2019NIAN12YUEDI，P2PZHENGCHANGYUNYINGPINGTAISHULIANGXIAJIANGZHI343JIA，2019NIANQUANNIANP2PWANGDAIXINGYECHENGJIAOLIANGXIAJIANGZHI9649.11YIYUAN。

11YUE6RI，LIUFUSHOUZAIBEIJINGGONGKAIBIAOSHI，ZHONGGUOSHIJIYUNYINGDEP2PWANGDAIJIGOUYIJINGYOUGAOFENGSHIQIYUE5000JIAYAJIANGDAOMUQIANDE3JIA。JIEDAIGUIMOJICANYURENSHULIANXU28GEYUEXIAJIANG。

QINGTUICHAODEBEIHOUSHI“WUXINGZHISHOU”FANGFANJINRONGFENGXIAN。

10YUE23RI，YINBAOJIANHUIFUZHUXILIANGTAOBIAOSHI，FANGFANHUAJIEJINRONGFENGXIANGONGJIANZHANYIJINGQUDEZHONGDACHENGXIAO，YINGZIYINXINGDEFENGXIANCHIXUSHOUZHAI。DUIYUP2PLAISHUO，MEIYOULEISIYINXINGZHUNBEIJIN，TONGYECHAIJIEDEBIANCHE，ZIJINLIANSUISHIYOUDUANLIEFENGXIAN。

“GAOFENGQI，ZHEIGEXINGYETAIMOHUAN。”BUGUO，YIFEIYECENGYIDURENWEIZHIYAOJIANCHIGUIFANFAZHAN，“HUOXUGUOGE20NIAN，XINGYEKENENGHUICHENGSHUGUIFAN。LILVGAODUSHICHANGHUA，MEINIANHUIYOUCHANGTAIXIAOBILIDEQIYETAOTAI，YOUYIDINGDEJINGZHENGCHUQINGNENGLI。”

11月29日，深圳一家P2P平台的原高管陈晋向也认为，2014年，互联网+金融成为封口，而P2P成为互联网金融的代名词。据网贷天眼不完全统计，2014年全年，至少28家P2Pope体育电竞官方网站获得总额近30亿元的融资。

JU《2015―2016NIANP2PWANGDAILICAIBAOGAO》TONGJI，2015NIANQUANNIAN，WANGDAICHENGJIAOLIANGDA9823.04YIYUAN，XIANGBI2014NIANDE2528YIYUANZUZUZENGZHANGLE288.57%。JIEZHI2015NIANDI，WANGDAILEIJICHENGJIAOLIANGYITUPOWANYIYUANDAGUAN。

RENZEPINGZAI《FANSIP2P CONGBIANDIKAIHUADAOWANQUANGUILING》BAOGAOZHONGBIAOSHI，LIUDONGXINGFANGMIAN，2014NIANQIGUSHICHIXUSHANGZHANG，DALIANGP2PZIJINZHUANXIANGGUSHI，LIUDONGXINGCHOULI；JIANGUANFANGMIAN，ZHENGCELUXULUODI。

2016年，风向逆转

2016NIAN10YUE13RI，GUOWUYUANBANGONGTINGYINFALE《HULIANWANGJINRONGFENGXIANZHUANXIANGZHENGZHIGONGZUOSHISHIFANGANDETONGZHI》（XIACHENG《FANGAN》），JIANGJIZHONGLILIANGDUIP2PWANGLUOJIEDAI、GUQUANZHONGCHOU、HULIANWANGBAOXIAN、DISANFANGZHIFU、TONGGUOHULIANWANGopeTIYUDIANJINGGUANFANGWANGZHANZICHANGUANLIJIKUAJIECONGSHIJINRONGYEWU、HULIANWANGJINRONGLINGYUGUANGGAODENGZHONGDIANLINGYUJINXINGZHENGZHI。

P2PBIANHUAI，SHICONGXINXIZHONGJIEBIANCHENGXINYONGZHONGJIEKAISHIDE。

P2PHEGUIJIZUOXINXIZHONGJIEFUWU，DANQUANXINGYESHIJIDADUOZUODESHIXINYONGZHONGJIESHENGYI。YOUYENEIRENSHIXIANGSHIDAIZHOUBAOJIZHEBIAOSHI，QUANXINGYEHEGUIDEP2PDABUDAO10%。

KAISHICHUXIANBAOLEISHIJIAN、ZHENGCENIZHUAN，YIXILIESHIJIANJIASULEP2PXINGYEFENGXIANDEBAOLUHEZHONGZHENG，TONGSHIDADADAJILECHUJIERENDEXINXIN。

ZAIBEIJINGDAXUESHUZIJINRONGYANJIUZHONGXINFUZHURENSHENYANJIAOSHOUKANLAI，“DADUOSHUTOUZIZHEBUHUISUIBIANBAQIANJIEJIMOSHENGREN，TAMENYINWEIXIANGXINPINGTAICAIJINXINGTOUZI。ZUOWEIXINYONGZHONGJIE，GETIWANGLUOJIEDAIDEYEWUJIUYINGDANGCHIPAIJINGYING”。

RANER，ZAIP2PZHEIYANGDELIANTIAOZHONG，QIANYIFAERDONGQUANSHEN：TOUZIZHE（CHUJIEREN）MEIXINXIN，BUXUTOU；JIEKUANRENKANFENGSHIDUO，BUHAIQIAN；PINGTAIXINYONGBENGTA；ZIJINLIANDUANLIE，LIANTIAOSHANGDESANZHEXUNHUANWANGFU，ZHIZHIXINGYEJIESHU。

CHENJINXIANGSHIDAIZHOUBAOJIZHEFENXI，“ZAIZHEIZHONGXINGSHIXIA，DAOQUNIANQUANXINGYEQINGTUIDEZHENGCEYIJINGHENMINGLANG，ZHISHIGEDI、GEPINGTAIDETUICHUJIEZOUYOUXIANHOU”。

清零后遗症

“GUONEIDADUOSHUP2PWANGDAIPINGTAISHIJIZAIZUOXINYONGSHENGYI，HUIZHAOWANGDAIPINGTAIJIEKUANDEREN，JIBENSHANGKENDINGSHIZAIYINXINGJIEBUDAOQIANDEREN，SHIYINXINGQIAOBUSHANGDEKEQUN。YINCI，FENGKONGYOUWEIZHONGYAO。”YIFEIFENXI。

11YUE29RI，GUANGZHOUYIHULIANWANGJINRONGRENSHIXIANGSHIDAIZHOUBAOJIZHEFENXI，ZAIP2PPINGTAILUXUTUICHUGUOCHENGZHONG，PINGTAIBENYINGCHENGDANZEREN。P2PCHENGDANBULETAIDUOHUAIZHANG。JUYENEIRENSHIFENXI，YINXINGYEDEHUAIZHANGLVBUNENGCHAOGUO2%，P2PDEZHENGCHANGHUAIZHANGLVZAI3%―5%。

JIEKUANFANGTONGCHANGXUYAOXUDAIWEICHI，JUEDADUOSHUZHIYOUNENGLIYIZHIHAIXI，HENSHAONENGZUODAODAOQIBENXIQUANBUJIEQING。

ZAOGAODESHI，YIDANKANDAOPINGTAILIANGXINGTUICHUHUOBAOLEI，DAIKUANRENBIANSANGSHIHAIQIANYIYUAN，CHANGCHANGCHUXIAN“YOUQIANBUHAI”DEQINGKUANG。

“2018NIANDEXIABANNIANXINGYEGANGGANGHUNLUANDESHIHOU，DADUOSHUPINGTAIHAINENGZUODAOHUIKUANLV70%ZUOYOU。HOULAIDAJIAKANDAOXINWEN，ZHIDAOZHEIGEXINGYETEBIELUAN，PINGTAIZAIDAOBI，JIUBUYUANYIHAILE。”YIFEISHUO，XIANZAIDEPUBIANHUIKUANLVKENENGLIAN30%DOUMEIYOU。

“HULIANWANGJINRONGDETEDIANJIUSHIYOUQIANWANGELAOBAIXINGGOUCHENG，JIXIAOEFENSAN。”YIFEIDUISHIDAIZHOUBAOJIZHESHUO。

XIAOEFENSANTISHENGP2PPINGTAIDECUISHOUCHENGBEN。YENEIRENSHITOULU，“WEIWAICUISHOU”CHENGBENGAOQI，JIHUZHAN20%―50%，JIZHUITAO100WANYUANZHISHAOJICUISHOUopeTIYUDIANJINGGUANFANGWANGZHAN20WAN―50WANYUAN。“P2PYEWULITONGSHIXIANGJIBAIRENJIQIANRENSHENZHIJIWANRENZHUISUO。”CENGRENMOUP2PPINGTAIFENGKONGJINGLISHENHOUDUISHIDAIZHOUBAOJIZHEBIAOSHI。

“QIDAIYOUGUANJIANGUANBUMENZUOHAODAJITAOFEIZHAIDEPEITAOGONGZUO，KAIFANGZHENGXINJIERUHESUSONGSHOULI，TONGGUOJIANGWANGLUOJIEDAISHIXINRENSHANGZHENGXIN、NARUSHIXINBEIZHIXINGRENMINGDAN，TIGAOZICHANHUISHOUBILI，JIANSHAOCHUJIERENSUNSHI。”CHENJINDUISHIDAIZHOUBAOJIZHEBIAOSHI。

P2PQINGLINGLE，DANLIUXIADEJIAOXUNZHIDERENZHENXIQU。JINRONGCHUANGXINBUNENGDAITIJIANGUANHEGUIFANYICHENGGEJIEGONGSHI。

YOUBUFENSHICHANGRENSHIRENWEI，JINNIANLAIRIJIANXINGSHENGDEXIANJINDAIYUZHILEISI，QIELIANGZHEDOUYIDUBEIRENWEISHIJINRONGCHUANGXIN，“FENGXIANKAISHIXIANLU”。

“JIANGUANCENGYIKANDAOXIANJINDAIDEFENGXIAN，XIWANGCHUTAIDEXILIEJIANGUANCUOSHINENGZHENZHENGLUODI，GUIFANXINGYEFAZHAN，BUZOUP2PXINGYEDELAOLU。”YIMINGZISHENCONGYERENSHIXIANGSHIDAIZHOUBAOJIZHEBIAOSHI。

追讨旧债路漫漫

CHENJINRENWEI，JIBIANDUANQINEIZHENGCHANGJIEKUANRENCHUYUHUOLIZHUANGTAI，DANZHANGQIKAN，ZAIPINGTAIQINGTUIWANHOU，MIANLINRUHECHUZHIJIEJIN8000YIYUANDECUNLIANGBULIANGZICHANWENTI。

TONGGUOSIFACHUZHISHIPINGTAICUIHUIBULIANGDEZUIHOUSHOUDUAN，DANMIANLINLISHIZHANG、ZHIXINGNANDENGZHONGZHONGWENTIDEKUNRAO。

BEIJINGJINGSHILVSHISHIWUSUOSUNJIANZHANGLVSHIXIANGSHIDAIZHOUBAOJIZHEFENXI，YIBANERYAN，JIEJUEMINSHIJIUFENCONGLIANDAOJIEANXUYAO6GEYUE，ZUIDUANYEXUYAO3GEYUE，XIANSHIZHONGHAIHUIYANZHANG。

CHENJINSUOZAIDEP2PPINGTAIHAIZAIQINGTUIDUIFUZHONG，“XIANZAIHENDUOFAYUANBUSHOULISHEJIP2PDEJIEDAIJIUFENSUSONG，PINGTAINAJIEKUANRENMEIBANFA。ZHINENGQIDAIWEILAIFAYUANSHOULISUSONGZHIHOU，BULIANGZICHANDEHUIKUANBILIKEYITISHENGYIDIAN。”

SUNJIANZHANGLVSHIXIANGSHIDAIZHOUBAOJIZHEFENXI，FAYUANSHOULISUSONGSHI，SHOUXIANKAOLVSHIFOUSHUYUFANZUIXINGWEI（FEIFAXISHOUGONGZHONGCUNKUAN），RUGUORENDINGSHIFANZUIXINGWEI，ZEFAYUANBUHUISHOULICILEIANJIAN。

JULEJIE，YIDANP2PBAOLEI，PINGTAIZHUTIBEILIAN，PINGTAITANHUAN，ZHIHOUZEJIAOYOUGONGANXITONGCHULIHUAIZHANG。

SHANGSHUGUANGZHOUHUJINRENSHIBIAOSHI，GONGANJIGUANZAIZHUIJIAOGUOCHENGZHONGZHAODAODEJIEKUANRENWULICHANGHAIYEMEIBANFA，HUOZHEZHIZHUITAOQIANKUANEDUJIAODADEJIEKUANREN。

SUNJIANZHANGLVSHIFENXI，TONGGUOSIFATUJINGZHUITAOBULIANGZICHANDESHIJINANDIANSHIP2PJIEKUANRENFANZA，YOUXINYONGDAI、CHEDAIHEFANGDAI。JIEKUANRENRUOYOUSHIWUDIYA，LIRUCHEDAIFANGDAI，FAYUANKEYILIJIZHIXING。DANXINYONGDAIJIEKUANRENQUNDUO，FENSAN，EDUXIAO，FAYUANZHIXINGQILAIJIAONAN。BINGQIE，DANGJIEKUANRENHETONGDAOQICAIKEZHUZHANGMINSHIQUANLI。LIRUJIEKUANRENJIE100WANYUAN，YINIANDAOQIHOU，PINGTAICAINENGDAOFAYUANQISUZHUICHANG。CISHIPINGTAIZAOYI“BAOLEI”，RENQULOUKONG。

“JIEJUEZHEIYIWENTI，BUNENGDANPINGMOUYISIFAJIGUANHUOCHUZIREN，ERYINGDANGSHIYIGEXITONGGONGCHENG，RUGUOGONGANJIGUANNENGCHAMINGJIEKUANRENDEXIANGGUANXINXIZAIYOUJIANCHAYUANDAIBIAOP2PHUOCHUZIRENJINXINGMINSHISUSONGXIAOGUOKENENGHUIGENGHAO。”

JIEZHAIHAIQIANBENSHITIANJINGDIYI，SHENYANJIANYISHEHUIZHIDUJIANSHEYINGXINGCHENGZHENSHE，WANSHANXINYONGWENHUA，“LAOLAI”GAIJINZHENGXINXITONG，JIECIJIHUIDALIZUOHAOGERENZHENGXINXITONG。

“YIDANZHENGSHILIERUWANGLUOJIEDAISHIXINRENMINGDAN，P2PWANGDAILINGYUSHIXINRENKENENGMIANLINDECHENGFABAOKUO：GENGGAODEDAIKUANLILVHECAICHANBAOXIANFEILV；HUODEDAIKUAN、BAOXIANDENGFUWUQUANLISHOUXIAN；YIJIDUOBUMENDELIANHECHENGJIECUOSHI。SUIZHEZHEILEICHENGJIEDETUIXING，SHOUXINDEZHONGYAOXINGJIANGZHUJIANSHENRURENXIN。”SHENYANBIAOSHI。

JINNIAN8YUE20RI，ZUIGAORENMINFAYUANXIUDINGMINJIANJIEDAILILVSIFABAOHUSHANGXIANWEI4BEILPR，JI15.4%，JIAOCIQIAN24%HE36%DELILVJIZHUNDAFUXIADIAO。CHENJINFENXI，ANZHAOXINGUI，BUSHAOJIEKUANRENHUIYIGUOWANGYEWULILVCHAOGUOXINGUISHANGXIANWEIYOU，BUHAIQIAN。

YIFEISHUO，DADUOSHUP2PPINGTAICONGYEZHEYINFACUIZHOUQIGUOZHANGQIEBUKEKONG，GENGQINGXIANGYUPINGTAIZIXINGSHEFACUISHOU，ERBUYOUXIANKAOLVZOUSIFACHENGXUYILAISIFACUISHOU。

LINGYIFANGMIAN，PINGTAIRURUOZHUDONGCUISHOU，JIYIBEIRENDINGWEIBAOLICUISHOU。

SHENZHENYIYENEIRENSHIDUISHIDAIZHOUBAOJIZHEBIAOSHI，JIBIANSHIP2PPINGTAIQUZHUITAO，DANZHEIBIQIANBINGBUSHUYUPINGTAIERSHISHUYUTOUZIREN。P2PPINGTAIJISHIZHUIHUIYENANYIMIBUYEYIDUANLIEDEZIJINLIANTIAO。

SHANGSHURENSHIBIAOSHI，“BAOLEIYIWEIXIANSHI，P2PZHUITAOBULIANGZICHANXUYAODINGCENGSHEJI。”

“PINGTAIRUGUOGANJUEZISHENZHUITAONAN，JIANGBULIANGZICHANDAZHEMAIJIDISANFANGBULIANGZICHANCHUZHIopeTIYUDIANJINGGUANFANGWANGZHANYESHIYIGETUOSHENFANGFA。”QIANSHUGUANGZHOUMOUXIAODAIopeTIYUDIANJINGGUANFANGWANGZHANFUZERENXIANGSHIDAIZHOUBAOJIZHEFENXIDAO。

未来，投资者会往何处去。

CAIJINGGUANCHARENSHIGUOSHILIANGRENWEI，CENGJINGYOUZHESHANGWANYIYUANGUIMODEXINGYE，SUIZHEPINGTAILUXUopeTIYUDIANJINGGUANFANGWANGZHANLIANGXINGTUICHUDECELVE，WEILAITOUZIZHEYOUWANGLUXUNAHUIBUFENBENJIN。TABIAOSHI，DUIBUSHAOTOUZIZHELAISHUO，JINGGUOLEZHEIYICIDETOUZIJINGLIZHIHOU，JIANGHUIZHUJIANGAIBIANYUANYOUDEFENGXIANPIANHAOYIJIZICHANPEIZHICELVE，“YAOMEZHUANXIANGFENGXIANJIAODIDEZHAIQUANJIJIN，YAOMEZHUANXIANGFENGXIANGENGDIDEDAECUNDANHUOHUOBIJIJIN”。

（WENZHONGHUANGPING、CHENJIN、SHENHOUWEIHUAMING）

立即QQ咨询　　　在线提交咨询问题