\ 15家P2P路在何方?终局将至是遗憾还是幸运?
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15家P2P路在何方?终局将至是遗憾还是幸运?

简介:

15家P2P路在何方?终局将至是遗憾还是幸运?

PP行业最遗憾的,就是在过去十几年的发展里,没有出现一家真正意义上的巨头;讽刺的是,这也是PP最幸运的地方。 、未来还......15家P2P路在何方?终局将至是遗憾还是幸运?

正文:

PP行[xing]业[ye]最[zui]遗[yi]憾[han]的[de],就[jiu]是[shi]在[zai]过[guo]去[qu]十[shi]几[ji]年[nian]的[de]发[fa]展[zhan]里[li],没[mei]有[you]出[chu]现[xian]一[yi]家[jia]真[zhen]正[zheng]意[yi]义[yi]上[shang]的[de]巨[ju]头[tou];讽[feng]刺[ci]的[de]是[shi],这[zhe]也[ye]是[shi]PP最[zui]幸[xing]运[yun]的[de]地[di]方[fang]。 、未[wei]来[lai]还[huai]会[hui]有[you]PP吗[ma]? 月[yue]日[ri],在[zai]银[yin]保[bao]监[jian]会[hui]新[xin]闻[wen]通[tong]气[qi]会[hui]上[shang],银[yin]保[bao]监[jian]会[hui]普[pu]惠[hui]金[jin]融[rong]部[bu]副[fu]主[zhu]任[ren]冯[feng]燕[yan]表[biao]示[shi],截[jie]至[zhi]今[jin]年[nian]月[yue]末[mo],全[quan]国[guo]在[zai]运[yun]营[ying]网[wang]贷[dai]机[ji]构[gou]为[wei]家[jia],比[bi]年[nian]初[chu]下[xia]降[jiang]%。 值[zhi]得[de]注[zhu]意[yi]的[de]是[shi],截[jie]至[zhi]月[yue]末[mo]的[de]存[cun]量[liang]PP平[ping]台[tai]数[shu]量[liang]为[wei]家[jia],亦[yi]即[ji]:个[ge]月[yue]的[de]时[shi]间[jian]又[you]有[you]近[jin]半[ban]存[cun]量[liang]PP平[ping]台[tai]消[xiao]失[shi]。 家[jia]存[cun]量[liang]PP平[ping]台[tai]最[zui]痛[tong]苦[ku]的[de]事[shi]情[qing]是[shi]什[shi]么[me]?越[yue]来[lai]越[yue]剧[ju]烈[lie]的[de]兑[dui]付[fu]压[ya]力[li]与[yu]“三[san]降[jiang]”之[zhi]间[jian]的[de]矛[mao]盾[dun]。 冯[feng]燕[yan]在[zai]会[hui]上[shang]表[biao]示[shi]:虽[sui]然[ran]网[wang]贷[dai]风[feng]险[xian]专[zhuan]项[xiang]整[zheng]治[zhi]取[qu]得[de]决[jue]定[ding]性[xing]进[jin]展[zhan],但[dan]后[hou]续[xu]工[gong]作[zuo]时[shi]间[jian]紧[jin]、任[ren]务[wu]重[zhong]、难[nan]度[du]更[geng]大[da],剩[sheng]余[yu]机[ji]构[gou]的[de]“三[san]降[jiang]”问[wen]题[ti]进[jin]展[zhan]缓[huan]慢[man],网[wang]贷[dai]机[ji]构[gou]退[tui]而[er]不[bu]清[qing]问[wen]题[ti]依[yi]然[ran]突[tu]出[chu]。 从[cong]历[li]史[shi]经[jing]验[yan]来[lai]看[kan],往[wang]期[qi]成[cheng]功[gong]良[liang]性[xing]退[tui]出[chu]的[de]PP平[ping]台[tai]基[ji]本[ben]策[ce]略[lue]是[shi]:转[zhuan]型[xing]回[hui]血[xue]降[jiang]低[di]三[san]降[jiang]压[ya]力[li],在[zai]贷[dai]余[yu]额[e]低[di]到[dao]一[yi]定[ding]程[cheng]度[du]时[shi],平[ping]台[tai]全[quan]额[e]兑[dui]付[fu];相[xiang]比[bi]之[zhi]下[xia]中[zhong]小[xiao]型[xing]平[ping]台[tai]更[geng]容[rong]易[yi]转[zhuan]型[xing],比[bi]如[ru]公[gong]积[ji]金[jin]、钱[qian]牛[niu]牛[niu]在[zai]过[guo]去[qu]都[du]不[bu]在[zai]一[yi]线[xian]平[ping]台[tai]之[zhi]列[lie]。 冯[feng]燕[yan]强[qiang]调[diao],下[xia]一[yi]步[bu]要[yao]彻[che]底[di]开[kai]展[zhan]风[feng]险[xian]整[zheng]治[zhi]工[gong]作[zuo],如[ru]期[qi]完[wan]成[cheng]整[zheng]治[zhi]收[shou]官[guan]工[gong]作[zuo],将[jiang]处[chu]置[zhi]存[cun]量[liang]风[feng]险[xian]作[zuo]为[wei]核[he]心[xin]工[gong]作[zuo]来[lai]抓[zhua],提[ti]高[gao]资[zi]金[jin]的[de]清[qing]偿[chang]率[lv]和[he]返[fan]还[huai]效[xiao]率[lv];地[di]方[fang]要[yao]加[jia]快[kuai]落[luo]实[shi]机[ji]构[gou]转[zhuan]型[xing]试[shi]点[dian]工[gong]作[zuo],加[jia]快[kuai]转[zhuan]型[xing]进[jin]度[du]。 监[jian]管[guan]的[de]指[zhi]导[dao]方[fang]向[xiang]依[yi]然[ran]是[shi]:资[zi]金[jin]为[wei]首[shou],转[zhuan]型[xing]为[wei]主[zhu]。这[zhe]两[liang]件[jian]事[shi]实[shi]际[ji]上[shang]也[ye]是[shi]一[yi]件[jian]事[shi],如[ru]果[guo]PP不[bu]能[nen]成[cheng]功[gong]转[zhuan]型[xing],也[ye]就[jiu]没[mei]有[you]能[nen]力[li]保[bao]障[zhang]用[yong]户[hu]的[de]资[zi]金[jin]兑[dui]付[fu]。 家[jia]存[cun]量[liang]PP转[zhuan]型[xing]路[lu]在[zai]何[he]方[fang]? 、家[jia]PP路[lu]在[zai]何[he]方[fang]? 小[xiao]贷[dai]、助[zhu]贷[dai]是[shi]PP转[zhuan]型[xing]最[zui]核[he]心[xin]的[de]领[ling]域[yu],也[ye]是[shi]监[jian]管[guan]鼓[gu]励[li]的[de]方[fang]向[xiang]。 存[cun]量[liang]PP长[chang]期[qi]经[jing]营[ying]资[zi]产[chan],积[ji]累[lei]了[liao]一[yi]定[ding]的[de]技[ji]术[shu]优[you]势[shi]和[he]实[shi]战[zhan]经[jing]验[yan],对[dui]于[yu]PP来[lai]说[shuo],转[zhuan]型[xing]助[zhu]贷[dai]平[ping]台[tai]只[zhi]是[shi]资[zi]金[jin]来[lai]源[yuan]的[de]改[gai]变[bian],故[gu]而[er]主[zhu]流[liu]的[de]头[tou]部[bu]平[ping]台[tai]和[he]已[yi]经[jing]良[liang]推[tui]的[de]平[ping]台[tai]多[duo]选[xuan]择[ze]以[yi]助[zhu]贷[dai]的[de]业[ye]务[wu]模[mo]式[shi]。 在[zai]助[zhu]贷[dai]业[ye]务[wu]之[zhi]外[wai],PP资[zi]金[jin]端[duan]也[ye]在[zai]发[fa]生[sheng]显[xian]著[zhu]的[de]变[bian]化[hua]。宜[yi]人[ren]贷[dai]的[de]出[chu]借[jie]端[duan]宜[yi]人[ren]财[cai]富[fu]已[yi]经[jing]成[cheng]为[wei]了[liao]服[fu]务[wu]传[chuan]统[tong]金[jin]融[rong]机[ji]构[gou]的[de]综[zong]合[he]理[li]财[cai]平[ping]台[tai],如[ru]PPmoney、拍[pai]拍[pai]贷[dai]、凤[feng]凰[huang]金[jin]融[rong]等[deng]未[wei]完[wan]全[quan]完[wan]成[cheng]存[cun]量[liang]消[xiao]化[hua]的[de]平[ping]台[tai]也[ye]采[cai]取[qu]了[liao]类[lei]似[si]的[de]运[yun]营[ying]模[mo]式[shi]。 PP转[zhuan]型[xing]的[de]方[fang]向[xiang]一[yi]般[ban]与[yu]过[guo]往[wang]的[de]业[ye]务[wu]相[xiang]关[guan],转[zhuan]型[xing]助[zhu]贷[dai]是[shi]因[yin]为[wei]金[jin]融[rong]科[ke]技[ji]在[zai]风[feng]控[kong]领[ling]域[yu]的[de]积[ji]累[lei],转[zhuan]型[xing]为[wei]综[zong]合[he]理[li]财[cai]平[ping]台[tai]是[shi]因[yin]为[wei]PP在[zai]出[chu]借[jie]人[ren]运[yun]营[ying]方[fang]面[mian]具[ju]备[bei]强[qiang]大[da]的[de]能[nen]力[li]。 在[zai]诸[zhu]多[duo]持[chi]牌[pai]金[jin]融[rong]机[ji]构[gou]的[de]产[chan]品[pin]中[zhong],银[yin]行[xing]存[cun]款[kuan]具[ju]备[bei]万[wan]以[yi]内[na]%全[quan]额[e]赔[pei]付[fu]的[de]特[te]性[xing],这[zhe]与[yu]PP出[chu]借[jie]人[ren]的[de]喜[xi]好[hao]完[wan]全[quan]契[qi]合[he],中[zhong]小[xiao]银[yin]行[xing]通[tong]过[guo]流[liu]量[liang]平[ping]台[tai]吸[xi]储[chu]的[de]需[xu]求[qiu]也[ye]十[shi]分[fen]突[tu]出[chu],供[gong]需[xu]的[de]高[gao]度[du]匹[pi]配[pei]让[rang]银[yin]行[xing]存[cun]款[kuan]类[lei]产[chan]品[pin]成[cheng]为[wei]了[liao]不[bu]少[shao]PP平[ping]台[tai]的[de]选[xuan]择[ze],比[bi]如[ru]小[xiao]赢[ying]理[li]财[cai]与[yu]三[san]湘[xiang]银[yin]行[xing]、营[ying]口[kou]沿[yan]海[hai]银[yin]行[xing],信[xin]用[yong]卡[ka]与[yu]新[xin]网[wang]银[yin]行[xing]、众[zhong]邦[bang]银[yin]行[xing]之[zhi]间[jian]均[jun]开[kai]展[zhan]了[liao]银[yin]行[xing]存[cun]款[kuan]方[fang]面[mian]的[de]合[he]作[zuo]。 除[chu]了[liao]上[shang]述[shu]两[liang]大[da]方[fang]向[xiang]外[wai],不[bu]少[shao]PP平[ping]台[tai]在[zai]金[jin]融[rong]科[ke]技[ji]领[ling]域[yu]有[you]一[yi]定[ding]沉[chen]淀[dian],故[gu]而[er]纯[chun]技[ji]术[shu]输[shu]出[chu]也[ye]是[shi]PP的[de]转[zhuan]型[xing]方[fang]向[xiang]之[zhi]一[yi],这[zhe]类[lei]合[he]作[zuo]完[wan]全[quan]不[bu]参[can]与[yu]任[ren]何[he]金[jin]融[rong]业[ye]务[wu],而[er]是[shi]单[dan]纯[chun]的[de]技[ji]术[shu]输[shu]出[chu],完[wan]全[quan]去[qu]风[feng]险[xian]化[hua]的[de]合[he]作[zuo]模[mo]式[shi]让[rang]一[yi]些[xie]存[cun]量[liang]PP彻[che]底[di]改[gai]头[tou]换[huan]面[mian]。 、终[zhong]局[ju]将[jiang]至[zhi]:遗[yi]憾[han]与[yu]幸[xing]运[yun] 从[cong]诞[dan]生[sheng]至[zhi]今[jin],PP行[xing]业[ye]最[zui]遗[yi]憾[han]的[de]就[jiu]是[shi]“在[zai]过[guo]去[qu]十[shi]几[ji]年[nian]的[de]发[fa]展[zhan]里[li],没[mei]有[you]出[chu]现[xian]一[yi]家[jia]真[zhen]正[zheng]意[yi]义[yi]上[shang]的[de]巨[ju]头[tou]”;讽[feng]刺[ci]的[de]是[shi],这[zhe]也[ye]是[shi]PP最[zui]幸[xing]运[yun]的[de]地[di]方[fang]。 在[zai]以[yi]“退[tui]”为[wei]主[zhu]的[de]基[ji]调[diao]下[xia],如[ru]何[he]消[xiao]化[hua]债[zhai]权[quan]成[cheng]为[wei]了[liao]所[suo]有[you]PP经[jing]营[ying]者[zhe]最[zui]关[guan]心[xin]的[de]话[hua]题[ti],很[hen]多[duo]平[ping]台[tai]基[ji]本[ben]实[shi]现[xian]了[liao]存[cun]量[liang]的[de]压[ya]降[jiang],比[bi]如[ru]拍[pai]拍[pai]贷[dai]月[yue]份[fen]在[zai]贷[dai]余[yu]额[e]仅[jin]为[wei].亿[yi]元[yuan]。 图[tu]片[pian]来[lai]源[yuan]:拍[pai]拍[pai]贷[dai] 但[dan]过[guo]往[wang]未[wei]成[cheng]功[gong]实[shi]现[xian]“三[san]降[jiang]”的[de]平[ping]台[tai]压[ya]力[li]巨[ju]大[da],凤[feng]凰[huang]金[jin]融[rong]当[dang]前[qian]尚[shang]有[you]百[bai]亿[yi]元[yuan]左[zuo]右[you]的[de]在[zai]贷[dai]余[yu]额[e],虽[sui]然[ran]也[ye]积[ji]极[ji]向[xiang]财[cai]富[fu]管[guan]理[li]等[deng]领[ling]域[yu]转[zhuan]型[xing],却[que]在[zai]近[jin]期[qi]陷[xian]入[ru]了[liao]逾[yu]期[qi]风[feng]波[bo]。很[hen]明[ming]显[xian],凤[feng]凰[huang]金[jin]融[rong]PP之[zhi]外[wai]的[de]业[ye]务[wu]无[wu]法[fa]承[cheng]担[dan]“三[san]降[jiang]”带[dai]来[lai]的[de]兑[dui]付[fu]压[ya]力[li]——金[jin]额[e]太[tai]大[da]。 图[tu]片[pian]来[lai]源[yuan]:凤[feng]凰[huang]金[jin]融[rong] 除[chu]了[liao]凤[feng]凰[huang]金[jin]融[rong],不[bu]少[shao]明[ming]星[xing]平[ping]台[tai]如[ru]爱[ai]钱[qian]进[jin]、微[wei]贷[dai]网[wang]、积[ji]木[mu]盒[he]子[zi]均[jun]被[bei]引[yin]以[yi]为[wei]傲[ao]的[de]庞[pang]大[da]规[gui]模[mo]所[suo]牵[qian]累[lei],结[jie]局[ju]凄[qi]凉[liang]。 年[nian]月[yue]日[ri],湖[hu]南[nan]省[sheng]率[lv]先[xian]发[fa]布[bu]通[tong]告[gao]指[zhi]导[dao]辖[xia]区[qu]内[na]的[de]所[suo]有[you]PP清[qing]退[tui],山[shan]东[dong]、重[zhong]庆[qing]、河[he]南[nan]、四[si]川[chuan]、云[yun]南[nan]、河[he]北[bei]、甘[gan]肃[su]、山[shan]西[xi]等[deng]省[sheng]市[shi]跟[gen]随[sui]其[qi]后[hou]。进[jin]入[ru]年[nian],银[yin]保[bao]监[jian]通[tong]气[qi]会[hui]后[hou],内[na]蒙[meng]古[gu]、陕[shan]西[xi]、吉[ji]林[lin]、黑[hei]龙[long]江[jiang]、江[jiang]西[xi]、安[an]徽[hui]、湖[hu]北[bei]、江[jiang]苏[su]、宁[ning]夏[xia]、福[fu]建[jian]等[deng]八[ba]个[ge]省[sheng]份[fen]接[jie]连[lian]公[gong]告[gao]或[huo]表[biao]态[tai]取[qu]缔[di]辖[xia]内[na]所[suo]有[you]网[wang]贷[dai]机[ji]构[gou]。 而[er]今[jin]年[nian]月[yue]中[zhong]旬[xun],银[yin]保[bao]监[jian]会[hui]主[zhu]席[xi]郭[guo]树[shu]清[qing]在[zai]接[jie]受[shou]央[yang]视[shi]记[ji]者[zhe]专[zhuan]访[fang]时[shi]表[biao]示[shi],网[wang]贷[dai]平[ping]台[tai]的[de]监[jian]管[guan]经[jing]历[li]了[liao]很[hen]痛[tong]苦[ku]的[de]阶[jie]段[duan],现[xian]在[zai]走[zou]到[dao]了[liao]根[gen]本[ben]性[xing]的[de]转[zhuan]折[zhe]阶[jie]段[duan]。过[guo]去[qu]一[yi]度[du]网[wang]贷[dai]平[ping]台[tai]最[zui]高[gao]的[de]时[shi]候[hou]有[you]五[wu]六[liu]千[qian]家[jia],现[xian]在[zai]到[dao]月[yue]底[di]只[zhi]有[you]家[jia]在[zai]运[yun]营[ying],可[ke]能[nen]到[dao]今[jin]年[nian]年[nian]底[di],专[zhuan]项[xiang]整[zheng]治[zhi]工[gong]作[zuo]就[jiu]会[hui]基[ji]本[ben]结[jie]束[shu],转[zhuan]入[ru]常[chang]规[gui]的[de]监[jian]管[guan]。 从[cong]余[yu]家[jia]到[dao]家[jia]再[zai]到[dao]家[jia],未[wei]来[lai]还[huai]会[hui]有[you]PP吗[ma]?可[ke]能[nen]不[bu]会[hui]了[liao]。

原标题:

15家P2P路在何方?终局将至是遗憾还是幸运?

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