P2P rectification offline stores, closing down a million loss-P2P, net loans-IT information
Many P2P platform, integrating offline banking stores on or off its 18-month rectification work a top priority.
Yesterday (March 8), pterosaurs, Chairman of credit to reporters of the daily news, its platform in the country only 7 online banking shop is totally cut off.
Banking platform under a pure line who admitted that "we are slowly close the offline stores, plans to close about 20 in the first half of this year, closing one store total average loss estimate is 1 million Yuan. ”
In addition, the platform also hoped that financial restructuring in the direction of to a third party, seeking to apply for the relevant licence. Insiders said the most comprehensive third-party asset management platform hopes to transition, but this requires active management of assets, not just to sell products from other agencies.
Platform improvement is not easy
Last year December, silver prison will released has network borrowing information intermediary institutions business activities management provisional approach (sought views draft) (following referred to views draft), requirements "except credit information collection, and verified, and loan Hou track, and arrived pledge management, risk management and the network borrowing about regulatory provides clear of part necessary business link outside, network borrowing information intermediary institutions shall not in Internet, and fixed phone, and mobile phone and the other electronic channel yiwai of physical places carried out business. ”
This provision explicitly prohibiting the P2P online financing, but also reserve an 18-month transition period for these platforms. In recent days, the daily news reporter learned, now there are many platforms using customs, stop, and go way, planned or already on line banking stores consolidated or shut down.
"We are only 7 offline banking stores in the country, is totally cut off. "People in the industry said, P2P platform to embrace the regulation of risk prevention. Therefore, stores face off without compliance with regulatory rules, integration of reality, the development of industry standards is a good thing.
Under the aforesaid pure line banking platform also said plans to close 20 in the first half of this year about banking stores, while also working on APP, and strive to guide to online line customers. A offline business Internet banking platform in Beijing said, "is doing third-party financing in transition, is applying for a licence. ”
Worth noting is that accumulated a large number of customers under the line of financial companies or stores, real reform will inevitably involve customers, employees, housing and other areas, has not been easy.
"Different from pure Internet platform, online P2P is stronger on asset, human resources. In 18 months, offline P2P restructures, and problems encountered in the transition, may not be so simple. "Wealth management platform under the pure lines of people above said," Although it is difficult, but don′t give up years of customer. At present, our offline clients are mostly between the ages of 40~65sui and concentrated in the smaller cities, basic APP without also do not want to use your phone or computer. Tell these customers close, financing can also be due to redeem early redemption, but they will have a company to run the illusion, it could trigger a reputation crisis. ”
In transition integrated wealth management
The daily news reporter learned, most have many offline banking stores or pure online-banking company hope to transition to integrated third-party asset management.
"The homogenization of the financial services industry is more serious, in the case of not allowing P2P banking existed below the line, platforms are mostly high-end, towards the direction of integrated wealth management in transition, synchronization licensing. "One industry source said, but the reality is, many P2P platform is sinking in three or four lines or more lower-level cities, these cities do not have too many so-called" high net worth "clients; therefore, transformation of the first difficulty is to close some stores too sank.
More joint Czech-related point, and more importantly, if the transformation of wealth management, proactive asset management, is not only to sell other products, which requires a very professional man and economy under the background of increased downward pressure on looking for returns and asset quality products that balance. For example, integrated wealth management is first and foremost on people′s requirements, customer service also needs to have expertise in finance, needs to understand the cross-border asset allocation, you need to understand equity investments, funds, trusts, and their training is also time-consuming thing.
NET loan 315CIO Li Zichuan said in the course of rectification, the platform will face contradictions between development needs and operating restrictions, and business people how to jobs in large quantities and is still the outstanding issue. Settlement is one of the measures to strengthen the platform associated with credit, mandatory constraint platform docking eligible credit institutions break down information barriers between markets, introduce platform-oriented credit scoring system, reducing dependence on head and platform business development costs can be reduced, increasing the cost of the platform.
Li Zichuan analysis, from sales mode Shang told, domestic network loan market for financial user of gets way bias Yu emotional marketing, mass for financial nature awareness is shallow, based on on financial consultant or Customer Manager of personal trust and for of investment action accounted for to most, easy appeared cognitive and the misleading problem, this system perfect is auxiliary measures, completely blocked vulnerability, also needed from oriented both of financial education roots Shang starts with.
P2P整改线下门店，关闭一家损失百万元 - P2P,网贷 - IT资讯
对于不少P2P平台而言，整合或关闭线下理财门店成为其18个月整改期工作的重中之重。
昨日（3月8日），翼龙贷董事长向《每日经济新闻》记者表示，其平台在全国只有7家线下理财店，目前已全部砍掉。
一家纯线下理财平台人士则坦言，“我们也在慢慢关闭线下门店，今年上半年计划关闭20家左右，平均关闭一个店总计损失估算是100万元左右。”
此外，亦有平台希望向第三方理财方向转型，争取申请相关牌照。有业内人士表示，大多数平台希望向综合第三方财富管理方向转型，但这需要进行主动的资产管理，而不仅是代销其他机构的产品。
平台整改并非易事
去年12月，银监会发布了《网络借贷信息中介机构业务活动管理暂行办法（征求意见稿）》（以下简称《意见稿》），要求“除信用信息采集、核实、贷后跟踪、抵质押管理等风险管理及网络借贷有关监管规定明确的部分必要经营环节外，网络借贷信息中介机构不得在互联网、固定电话、移动电话及其他电子渠道以外的物理场所开展业务。”
这一规定明确禁止了P2P的线下融资，但也给这些平台预留了18个月的过渡期。近日，《每日经济新闻》记者了解到，现在已有不少平台采用关、停、并、转的方式，计划或已经对线下理财门店进行整合或关闭。
“我们在全国只有7家线下理财店，目前已全部砍掉。”业内人士坦言，P2P平台必须拥抱监管，防范风险。因此，不符合监管规则的门店确实面临着关闭、整合的现实，这对行业规范发展是好事。
而前述纯线下理财平台人士也表示，计划今年上半年关闭20家左右理财门店，同时也在研究APP等，力争把线下客户导流到线上。北京一家有线下业务的互联网金融平台人士透露，“主要是转型做第三方理财，正在申请各种牌照。”
值得注意的是，对于积累大量客户的线下理财公司或门店来说，真正要整改势必会牵涉客户、员工、房屋等各方面的处理，并非易事。
“与纯互联网平台不同，线下P2P是重资产、重人力型。所以在这18个月内，线下P2P如何转型，以及在转型中遇到的问题，可能没有那么简单。”上述纯线下理财平台人士表示，“虽然目前很难，但也不能放弃这么多年积累的客户。目前，我们的线下客户大多年龄在40~65岁之间，且集中在小城市，基本不会也不愿意使用手机APP或者电脑。告诉这些客户要关店，理财品可提前赎回也可到期赎回，但他们会有公司要跑路的错觉，这样可能引发声誉危机。”
转型综合财富管理
《每日经济新闻》记者了解到，大多数拥有不少线下理财门店或纯线下理财公司希望向综合第三方财富管理方向转型。
“金融服务行业同质化较严重，在不允许线下P2P理财存在的情况下，各平台大多是想往高端、往综合财富管理方向转型，同步拿牌照。”一位业内人士表示，但现实情况是，许多P2P平台是下沉在三四线或者更低一级的城市，这些城市并没有太多所谓“高净值”客户；所以，转型面临的第一个难点就是关闭一部分太下沉的门店。
捷越联合相关人士指出，最重要的是，如果转型财富管理，就要进行主动的资产管理，而不仅是代销其他机构的产品，这需要非常专业的人才，以及在现阶段经济下行压力增大的大背景下寻找回报和资产质量能平衡的产品。比如，综合财富管理首先就是对人的要求，客服也需要有金融方面专业知识，需要懂跨境资产配置，需要了解股权投资、基金信托，而这些人员的培养也是耗时耗力的事情。
网贷315CIO李子川表示，在整改的过程中，平台会面临发展需求与经营限制的矛盾，而大批量业务人员如何重新就业也仍是悬而未决的问题。解决的措施之一在于强化平台与征信的关联，强制性约束平台对接有资格的征信机构，打破市场间的信息壁垒，同时引入面向平台的信用评分体系，减少对人头的依赖，从而可降低平台展业成本、增大平台违规成本。
李子川分析，从销售模式上讲，国内网贷市场对于理财用户的获取方式偏重于情感营销，大众对于理财本质认识尚浅，基于对理财顾问或者客户经理的个人信任而进行的投资动作占到多数，容易出现认知及误导问题，在此制度完善是辅助措施，彻底堵住漏洞，还需从面向双方的理财教育根源上入手。