P2P have again been robbed of life and death: "the naked time" comes to the end-P2P, Internet financial-IT information

According to statistics, a-share listed companies Internet financial concepts involved up to now a total of 119, up 95% from last June, but with the advent of the 2015 season, "naked" camp emerged. As you can see, part of P2P concept to continue to use the original industry as a performance support, P2P business contribution to performance is not yet embodied, even P2P platform development rarely mentioned.

Actually, last year P2P industry into financing peak, in or really or fake of veil cover Xia, seems to a unknown of small platform are can got do wind voted, however, earlier with with outlet of is continued has a year of run tide, and last year second half of intensified of assets shortage, and funds shortage, again plus last year end of "e rent treasure event" of worse, P2P industry regulatory efforts is full tightened, "nude Ben times" to end.

Not stop the "running boom"

These days, on the successive failure of the P2P platform.

Investors bid, Shanghai Pudong branch of a well-known Internet financial firm suspected of "illegal absorbing public deposits" by Shanghai Pudong police criminal case. It is reported that the company is headquartered in Beijing, has five wholly-owned subsidiaries in Beijing, Shanghai, Nanjing, Tianjin, more than the country's more than 40 cities with Pearson VUE branches, today has been serving tens of thousands of members, customers, customers with assets exceeding tens of billions.

Now, however, downstairs in the company, even investors playing the "my money" message.

From 2014, with the rapid development of Internet finance in China, there has been a mixed bag, that pays top academics issue, recurring platform to run events, projects, the overdue event. According to data from the industry agree, 2015 there are about 660 platform to run, in January-February this year, there are about 200 platform to run.

Whether celebrity endorsements work?

Two during, silver prison will President Shang Fulin on personal investors proposed advice: must is carefully, to focuses on do "three see": a is see object, see he is oriented social not specific object in raised funds; II is see returns, see is commitment extraordinary of Cory returns, now of enterprise situation, and economic development situation everyone are clear, frequently up to 10% several, and even 20% several of returns, this situation is impossible do of, this on has suspected illegal fund-raising smacks of; three is see marketing, Marketing publicity, in the form of public advocacy to raise funds. See after three o'clock to make prudent investment decisions. ”

But for average investors, three points above will not be easy, so see whether celebrity endorsements seem to have become a consumer product reliability standards, even the only standard.

So when the platform after the problem, many investors are flocking to the star of the crying under the Twitter, but was specifically launched a call of # Twitter topic # a star will come, of course, as "a lying shot in the" Star nature more than one.

Currently China P2P industry regulatory policy rules yet landing, many P2P platform playing with Internet financial of guise do illegal of things, this not only against has investors of interests, also effect has industry of image, but still has many investors in face obviously of investment scam Shi, still to interests at throwing heavily, eventually drain no return, so select formal P2P platform is guarantees consumers interests of Basic.

Select a reliable platform, you should first look at the platform itself qualification is recognized by the authority and transparency. Choose the end of 2015 in the United States should be listed on the NYSE in Xinyi people loans, their commercial information is disclosed in detail in the past, and published in the quarterly and annual reports, annual report, many issues, such as on-time, ensuring the transparency of information and business. From a financial viewpoint, pleasant credit never touch "standard", "ox", "second label" game, without other P2P companies known as the "high yield" blog attention, but rather focus more on long-term value for the user to create robust.

United States market for regulatory, governance, transparency, standards are very high, in the United States listed in this authoritative international standard strict self-discipline, pleasant not only credit is a good thing, for the entire Chinese Internet industry is a good thing.

Who is the P2P name?

2013-2015, the County network of alternative financial turnover grew to us $ 101.69 billion from $ 5.56 billion, annual growth rates of more than 300%. And many other financial products on the Internet structure and history can be found after comparing, China has a large number of users and the social media environment, and regulatory lags also create P2P personal products such as explosive credit growth.

But what platform and what kind of product would be formal? This P2P platform business model into one or two from abroad.

First take a look at one of the most sophisticated financial market in Asia--Singapore in terms of Internet financial contribution.

Singapore is the market leader in Southeast Asia from 2013 to 2015, raising between $ 70.28 million, accounting for nearly 87% of the total alternative generation network Southeast Asian financial markets. Singapore money lender (consumer money lenders) has very strict regulation, Singapore law, under normal circumstances, laws and regulations require lenders to hold a money lender licence, and a licensed money lenders will also undertake corresponding obligations and subject to various restrictions. Making P2P personal credit in Singapore is limited .

United States market for regulatory, governance and transparency standards are very high. Pleasant loan through United States listed under strict supervision of the capital market, a pleasant credit by creating accurate risk models, trust, investment of the assets, strengthen risk awareness education for investors and other initiatives, to enhance brand reputation and competitiveness.

Pleasant June 2015 reached P2P trust business loans to the banks, set up the P2P funds managed by banks the most strict standards. Pleasant credit in the Bank financing the deal escrow account risk fund managed accounts and service accounts, and three types of accounts in Nice to the user by the Bank lend every transaction on the platform to fully managed, funds effectively isolate the users money and platform. Real-name Bank surveillance checks and pleasant lending platform from a user account, the contract signed for the record, transaction matches the contract approval and financing the deal to transfer risk reserve monitors all processes. Users may also wish to Xinyi loan official Web site risks the petty cash balance.

Wind control, pleasant loan business-oriented groups are urban white-collar workers, their stable income, have large consumer demand, and good credit. According to pleasant loan team for this class user groups polished out of big data wind control model, can from multiple precision dimension degrees on user data for filter, and assessment and judge, can fast accurate to on user for credit score and science of risk pricing, to achieved has user lines of fast award letter, upgrade has letter trial wind control process of efficiency, while upgrade has products and service level.

With financial gradually penetrated into the life of the Internet, P2P at the "ebb tide" process will get a thorough shuffling, and companies like pleasant credit is currently a good sample. The Internet has always been a "left is King" and "winner" of the industry, with the regulatory policy, to land and to raise the threshold, the dawn of P2P is probably not far off.

P2P再次遭遇生死劫：“裸奔时代”走向终结 - P2P,互联网金融 - IT资讯

据统计，A股涉及互联网金融概念的上市公司截止目前合计达119个，相较去年6月增长95%，但随着2015年报季的到来，“裸奔”阵营逐渐浮出水面。可以看到，部分涉及P2P概念公司仍以原产业作为业绩支撑，P2P业务对业绩的贡献尚未集中体现，甚至P2P平台发展近况鲜有被提及。

事实上，去年P2P行业步入融资高峰期，在或真或假的面纱掩盖下，似乎一个名不见经传的小平台都能拿到千万风投，然而，同期伴随着风口的是持续了一整年的跑路潮，以及去年下半年愈演愈烈的资产荒、资金荒，再加上去年底“e租宝事件”的雪上加霜，P2P行业监管力度正在全面收紧，“裸奔时代”走向终结。

停不下来的“跑路潮”

这几天，关于P2P平台倒闭的消息接连不断。

据投资者爆料，某知名互联网金融公司的上海浦东分部涉嫌“非法吸取公众存款”被上海浦东警方刑事立案。据悉，该公司总部设在北京，旗下有五家全资子公司，于北京、上海、南京、天津等全国40多个城市设有百余家分公司，至今已经累计服务上万名会员客户，为客户配置资产超过百亿。

然而如今，在该公司楼下，甚至有投资人打出“还我血汗钱”的字样。

自2014年以来，伴随中国互联网金融的高速发展，出现了鱼龙混杂、泥沙俱下的问题，一再发生平台跑路事件、项目逾期事件。据业界比较认同的数据，2015年全国有约660家平台跑路，今年1~2月又有约200家平台跑路。

明星代言是否靠谱？

两会期间，银监会主席尚福林对个人投资者提出忠告：必须十分审慎，要着重做好“三看”：一是看对象，看他是不是面向社会不特定对象在筹集资金；二是看回报，看是不是承诺超常的高利回报，现在的企业情况、经济发展情况大家都清楚，动辄高达百分之十几、甚至百分之二十几的回报，这种情况是不可能做到的，这就有涉嫌非法集资之嫌；三是看营销，看营销是否公开宣传，以公开宣传的形式募集资金。看清三点以后再做审慎的投资决定。”

但对于普通投资者来说，做到以上三点并不容易，于是，看是否有明星代言似乎也成了消费者衡量产品可靠性的标准，甚至是唯一标准。

所以，当平台出现问题后，不少投资人都跑到了明星的微博底下哭诉，更有人专门发起了一个#一起召唤某明星来还钱#的微博话题，当然，自称“躺着中枪”的明星自然不只一个。

目前我国P2P行业监管政策细则尚未落地，不少P2P平台打着互联网金融的幌子做违法的事情，这不仅侵害了投资人的利益，也影响了行业的形象，但是仍然有不少投资者在面对明显的投资骗局时，仍然为了利益不惜掷重金，最终血本无归，因此选择正规P2P平台是保障消费者权益的基本。

选择靠谱的平台，首先应当看平台本身的资质和透明度是否获得了权威的认可。如2015年底选择在美国纽交所上市的宜信宜人贷，就将自己过去商业数据进行了详细披露，并通过季报、年报、众多事项等按时公布，保证了信息和企业经营的透明度。从财务数据上来看，宜人贷从不碰“天标”、“黄牛标”、“秒标”的玩法，不用其他P2P企业所谓的“高收益”来博眼球，而是更加注重为用户创造稳健的长期价值。

美国市场对于监管、治理、透明等方面的标准都非常高，在美国上市，以这种国际权威标准严格自律，不仅对宜人贷是好事，对整个中国互联网金融行业也是好事。

谁为P2P正名？

2013到2015年，中国大陆网络替代金融成交量从55.6亿美元增长到了1016.9亿美元，每年增长率都超过300%。和许多其他国家的互联网金融产品结构和发展历史做比较后可以发现，中国拥有的大量网民和社交媒体环境，以及监管方面相对滞后也客观造就了P2P个人信贷等产品爆发式增长。

但什么样的平台和什么样的产品才是正规的？这点可以从国外P2P平台的商业模型窥得一二。

先来看看亚洲最成熟的金融市场之一——新加坡在互联网金融方面的建树。

新加坡是东南亚地区的市场领导者，2013年至2015年间共募集7,028万美元，占东南亚这一代网络替代金融市场总量的近87%。新加坡针对个人放债人(consumer money lenders)有着严格的监管，新加坡法律规定，一般情况下，法律法规要求放债人持有放债人牌照，而持牌放债人也会承担相应义务并受各种限制。这使得P2P个人信贷在新加坡受到限制。

而美国市场对于监管、治理、透明等方面的标准都非常高。比如宜人贷除了通过在美国资本市场上市接受严格监管外，宜人贷还通过打造精准风控模型、资金托管、投资优质资产、对投资者加强风险意识教育等积极行动，来提升品牌口碑与行业竞争力。

2015年6月宜人贷与银行达成P2P资金托管业务合作，树立了P2P资金银行托管的最严标准。宜人贷在银行开立了交易资金托管账户、风险备用金托管帐户和服务费账户三类账户，由银行对用户在宜人贷平台上的每一笔交易进行全面托管，实现用户资金与平台资金的有效隔离。银行监控核对宜人贷平台从用户实名开户、合同签署备案，交易与合同的匹配审核、交易资金的划转，风险备用金监控的全部流程。用户也可在宜信宜人贷官方网站上查询风险备用金余额。

对于风控方面，宜人贷业务面向的群体是城市白领，他们收入稳定，有大额消费需求，信用良好。根据宜人贷团队针对此类用户群体打磨出的大数据风控模型，能够从多个精准维度对用户数据进行筛选、评估与判定，能够快速准确地对用户进行信用评分和科学的风险定价，从而实现了用户额度的快速授信，提升了信审风控流程的效率，同时提升了产品与服务水平。

随着互联网金融逐渐渗透到大众的生活当中，P2P在这次“大浪淘沙”的过程中将会得到一次彻底洗牌，而像宜人贷这样的公司就是目前行业一个良好的研究样本。互联网从来就是一个“剩者为王”和“赢者通吃”的行业，随着监管政策真正落地、行业门槛提高，P2P的曙光也许就不远了。