Following the guidelines issued by the China Banking Regulatory Commission in August, in June 5438+ 10, the China Mutual Gold Association also issued the online loan specifications for member units. It can be seen that the recent rectification of online lending platforms as required is the focus of platform development.
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20 17 10 online loan platform development index rating table (click on the picture to view a larger image)
The above ratings are based on the transaction data of more than 1 0,000 platforms collected in the online loan home database in the last three months, and the 300 platforms that meet the warehousing conditions are rated, and the top 1 0,000 platforms are publicized according to the descending development index. In this issue, many new platforms have been added to the rating database.
There are many rating indicators, which require high data integrity of the platform. Some well-known platforms cannot participate in the rating because of incomplete data and information acquisition.
Overview of P2P industry in June 5438+ 10 and market judgment in June 165438+ 10.
China Mutual Gold Association issued the "Latest Credit Standard for Online Loans"
10 10 17, China internet finance association issued the standard of "peer-to-peer lending for individuals in internet financial information disclosure" for all member units. The Information Coverage Standard has four important parts, namely, the specific scope of application of the standard, related terms and their definitions, the basic principles of information disclosure and the contents of information disclosure.
0030 10 proposes that the information disclosure of employees includes: organization and governance information, financial and audit information, website or platform information, major event information, filing information, operation information, project information and other information.
The State Council issued a document: promoting supply chain finance to serve the real economy
The General Office of the State Council issued the Standards of Trust and Coverage in the middle of 5438+ 10. Based on the revitalization of the real economy, six key tasks were put forward. One of the tasks is to promote supply chain finance to serve the real economy, effectively prevent supply chain financial risks and actively and steadily develop supply chain finance.
In Baicheng's view, for online lending platform, combined with supply chain finance, online lending platform has the advantage of convenient and fast financing, which can meet the urgent needs of small enterprises. Combined with supply chain finance, private funds can be re-injected into the real economy to promote the development of the real economy and realize the original intention of the financial industry to serve the real economy.
65438+ 10 month, affected by the national day holiday, the transaction volume of the online loan industry dropped sharply to 2193.94 million yuan. The number of investors and borrowers also showed a slight downward trend. The industry's comprehensive rate of return ended the previous continuous upward trend and fell by 3 basis points.
Comments on Representative P2P Platforms
Paidai
The ranking remains unchanged. The data shows that in June, 5438+ 10, the auction loan transaction amount was about 6.772 billion yuan, up 1.60% from the previous month. On June 3rd, US time 10, the US Securities and Exchange Commission (SEC) announced the IPO prospectus of the auction loan. Thanks to the influence of this activity, brand points have been significantly improved.
building blocks
Rise in rank. The envelope of the building block box has been improved since last month, and the transparency score has been improved; At the same time, the parent company of the platform acquired the Hong Kong stock company Yongjun International, which improved the brand influence and added points to the brand points.
Soudai
The ranking remains unchanged. The trading volume of platform 10 decreased by 16.89% month-on-month, resulting in a decrease in trading points. At the same time, if the loan search still exceeds 5 million yuan, the compliance score will be slightly reduced.
And credit.
Rise in rank. In addition, in June, 5438+ 10, the volume increased by 2.6 1%, and the volume score increased slightly. The news of its listing on Nasdaq has greatly enhanced its brand influence, and its brand score has improved compared with the previous period. The overall ranking rose by 2 places.
Xiang Shang Jin fu
Rise in rank. The platform completed the online work of bank deposit and management in June+10, 5438.
For the new platform. The platform is a state-owned holding platform, and Datong Economic Development and Investment Co., Ltd. holds the shares of the platform. The turnover of Mintou Jin Fu in June 5438+ 10 was 65438+27 million yuan, and the loan period was 243 months. The paid-in capital of the platform is high, reaching 65.438+0.5 billion yuan. Because the loan balance of the platform is about 65.438+0.6 billion yuan, the leverage score of the platform is high. However, the platform still has some room for improvement in transparency and compliance.
Related Q&A: Related Q&A: Which online lending platform is better? 1.Which P2P online lending platform is better?
As investors, we should know more about some methods to judge the quality of financial management. At present, there are about 2,000 p2p financial platforms in China. Since the regulatory rules of this industry were only promulgated in August this year, most of the remaining companies in the industry are in compliance rectification. Therefore, when choosing to invest in p2p platform, we should learn to distinguish the quality of the platform and choose the platform that suits us.
Generally speaking, we need to judge the following factors:
1, the registered capital of the company knows the registered capital of the P2P platform in that year, shielding P2P without capital ability and reducing risks. Of course, Bian Xiao felt that this method was not always reliable.
2. Risk reserve Risk margin, also known as risk reserve and risk margin, is one of the most commonly used security guarantee methods for P2P platforms. Once the investment projects on the platform are overdue, the risk reserve will be paid in advance to prevent the risk of lending and ensure the safety of users' funds.
3. Depository of bank funds
The platform opens a special deposit account in the bank to deposit users' investment funds, while the p2p platform is only responsible for matching the information of borrowers and lenders, providing matching services, and not contacting users' funds, completely isolating users' funds from platform funds and improving the safety factor.
4.ICP license
The Interim Measures for the Management of Business Activities of Person-to-Person Lending Information Intermediaries stipulates that person-to-person lending information intermediaries shall apply for corresponding telecom business licenses according to regulations, otherwise they shall not carry out person-to-person lending information intermediary business. ICP business license is a necessary qualification for peer-to-peer lending information intermediary platform and a necessary prerequisite for engaging in online lending information intermediary business. 5. Third-party guarantee The P2P platform uses a third-party guarantee company to guarantee the principal and interest of the investment projects on the platform, which is a safer guarantee than the risk deposit.
6. Security of account information
The registration information, investment information, funds and account security of the user platform need to be guaranteed accordingly. For example, we have cooperated with E-Security to save electronic contracts, and we have a professional and mature technical team to upgrade account defense.
7. Platform data disclosure
P2p platform is the most informative platform for online lending. The investor's business data, investment data, asset items, overdue conditions, etc. shall be disclosed in accordance with the Interim Measures for the Management of Business Activities of Personal-to-Personal Lending Information Intermediaries, so as to achieve transparent, compliant and standardized operations.
8. Revenue Interval The annualized revenue of the general P2P platform is between 8- 16%. We generally don't tend to choose platforms with low interest rates, but some platforms need to be carefully considered when choosing whether the interest rate is too high to avoid capital damage.
We now try to judge how some p2p platforms are based on the above factors. Take Pratt & Whitney as an example: Pratt & Whitney platform obtained ICP license, reached a fund deposit agreement with hengfeng bank, February risk reserve130,000, monthly disclosure of platform operation data, and reached an online contract preservation agreement with E-Security. This shows that the security of the platform is very high.
Second, the safest p2p platform ranking Everyone is very concerned about the security of the p2p industry and hopes to get an authoritative industry platform security ranking. But in fact, such a ranking does not exist for a large number of p2p that have just introduced regulatory rules. However, you can measure the security of each platform by yourself, mainly considering factors such as fund deposit, ICP, risk reserve and account security.
In official website, the online loan portal can get a general understanding of the current ranking of p2p industry. This ranking is based on the information provided by the platform in the online loan home, and is ranked by the online loan home after comprehensive scoring. We can also choose to rank according to development index, transaction, popularity, leverage, dispersion, liquidity and transparency as investment decisions. The following is the information of the top 10 p2p platforms sorted by development index.
Although the ranking of online loan houses has certain reference, Bian Xiao suggested that when choosing a p2p platform, you need to comprehensively consider and judge yourself, collect more information and compare, and consider not only the security, but also the investment threshold and liquidity of the platform before making a choice.