Regulatory: credit three trends of industry development-P2P network P2P NET loans, P2P, Internet financial-IT information
As the regulatory path becomes clearer, self-regulation continues to strengthen, has suffered public criticism of P2P networks and loan industry so far this year, there have been signs of positive development, development presents three major trends in the industry.
Trends: industry showed steady growth
According to net loan data, cumulative turnover 1,025,258,000,000 yuan in July of this year P2P industry, 2.68 times times a year earlier; by the end of July, P2P NET loans outstanding loans increased to 656.758 billion yuan, was 2.94 times over the same period last year.
Data also showed that by the end of July, net loan investors size up to 3.4819 million persons, 2.93% per cent higher; borrowing reached 1.1539 million, rose 2.65%.
NET loan proceeds rates are also increasingly rationalized. From the perspective of statistics, comprehensive yields 12.18% have fallen every month from January to July in 10.25%. Industry analysts believe that on promoting healthy development of Internet financial guidance issued last year, combined proceeds rates way down, is the embodiment of policy effects, mean that net lending market is rationalized.
Huang Zhen, Director of the Institute of the Central University of finance and law believes that under the current circumstances, people demand more and more intense, traditional financial institutions finance and investment needs of the residents, in General, are not effectively addressed, so the Internet financial services is an effective supplement.
Based on the above data, industry experts say, P2P networks and loan industry is showing a sound development momentum.
Recently, the China Banking Regulatory Commission, issued by the China banking information technology "Thirteen-Five" development planning regulatory guidance (draft for comment) suggested that banks should develop "Internet + inclusive financial" regulators encourage banks to explore the development of the Internet's financial development strategy, establish an Internet financial technology platform. Proposed exposure drafts at the same time, banks want to segment the customer base and business scenarios, provides diversified financial products and services, resulting in Internet financial ecosystem.
Trend II: platform "stock obsolescence" obvious signs of
Steady growth at the same time, the industry also increased. Data show that as of the end of July 2016, lending industry running platform for P2P network is 2,281 homes, fell 2.89%, number of normal operating platform for the lowest level since August 2015. "Stock obsolescence" obvious signs.
Data show that in July, there were 101 out of business and issue platforms, platform which issues 51 (run 30, difficult 20, investigative intervention 1), closed platforms, 50 (7 closed 43, transformation).
Worth noting is that a growing number of platforms is normally closed on exit, instead of "ran". First half of the year, "King money" after full payment of principal and income of investors closed permanently. Like "King money" defunct P2P platform, has 43 homes in July this year.
"The first half of the year, number of issue platforms business and the constant decline in the proportion of problem platform in 2015, the numerical value is about 60.38% at the end of June 2016 dropped to 44.68%, this means platforms accounted for significant increase in the number of benign exit. "Net lending, argues researcher Ma.
"Net lending industry in the context of policy and industry self-regulation to enhance, the overall environment is good, some online lending platform up left, reduce the number of platforms, new platforms are slowing, quality will naturally increase, yields will return to reason. "Guangdong Association of Internet Financial Secretary General Zhu Mingchun said.
Trend: the regulatory path is clear
After several years of development, the network lend our clear market positioning, regulatory paths. On December 28, 2015, the CBRC issued the Web credit information agency interim measures for the management of operational activities (draft for soliciting opinions), clearly define the online lending platform positioning as a network of intermediary business of financial information.
Administrative measures for the provisions of the Bank as financial depository institutions, will probably become the P2P industry "invisible barriers". According to incomplete statistics of net loans, as of July 2016, there are nearly 150 P2P platform funds depository agreements with the Bank. However, the real docking with the banks money depository system of only 48, number per cent of net loans and running platform 2.04%.
China Finance Association recently issued a circular on the Internet Internet financial disclosure standards--P2P net lending (draft for soliciting opinions) and the Internet in China Finance Association financial information disclosure on the Internet self-regulation code (draft for soliciting opinions), formally asked members for comments, self-discipline and gradually strengthened.
Net lending industry regulatory infrastructure are constantly advancing. NET loan enterprises more concentrated network of road, Futian District, Shenzhen City credit industry association official said Shenzhen is planning to introduce network information disclosure system of credit industry, relevant data platform is expected to Shenzhen economic investigation, financial regulators, such as real-time modules.
"The future is more regulatory paradigm shift. "Dr Huang believes that P2P as a new Internet banking business to achieve absolutely seamless supervision, the traditional concept of law enforcement, investigation and cannot effectively control the risks. Relevant departments should strengthen data detection warning technologies, through real-time business data detection, prevention, and monitoring in a timely manner.
监管趋严：P2P网贷行业发展呈现三大趋势 - P2P网贷,P2P,互联网金融 - IT资讯
随着监管路径逐渐明朗、行业自律不断加强，一直饱受社会诟病的P2P网贷行业，今年以来出现了良性发展迹象，行业发展呈现出三大趋势。
趋势一：行业呈现稳定增长
据网贷之家数据，今年前7月P2P行业累计成交量达10252.58亿元，是去年同期的2.68倍；截至7月底，P2P网贷行业贷款余额增至6567.58亿元，是去年同期的2.94倍。
数据还显示，截至7月底，网贷投资人数升至348.19万人，环比上升2.93%；借款人数达到115.39万人，环比上升2.65%。
网贷收益率也日益回归理性。从统计数据看，综合收益率从1月份的12.18%逐月下降至7月份的10.25%。业内人士分析认为，《关于促进互联网金融健康发展的指导意见》出台一年来，行业综合收益率一路下行，是政策调控效果的体现，意味着网贷市场正在回归理性。
中央财经大学金融法研究所所长黄震认为，当前形势下，百姓投资需求越来越强烈，传统金融机构对居民投资理财的需求总体上还不能有效满足，因此，互联网金融服务是一个有效的补充。
综合以上数据，业内专家认为，P2P网贷行业正呈现出稳健发展的势头。
近期，中国银监会发布的《中国银行业信息科技“十三五”发展规划监管指导意见(征求意见稿)》提出，银行业应大力发展“互联网+普惠金融”，监管层鼓励银行业探索制定互联网金融发展战略，建立互联网金融技术平台。征求意见稿同时提出，银行业要针对细分客户群和业务场景，提供差异化的金融产品和服务，最终形成互联网金融生态圈。
趋势二：平台“存量淘汰”迹象明显
在稳定增长的同时，行业分化也在加剧。数据显示，截至2016年7月底，P2P网贷行业正常运营平台数量为2281家，环比下降2.89%，正常运营平台数为2015年8月以来的新低。“存量淘汰”迹象明显。
数据显示，7月共有101家停业及问题平台，其中问题平台51家(跑路30家、提现困难20家、经侦介入1家)、停业平台50家(停业43家、转型7家)。
值得注意的是，越来越多的平台在退出时属正常停业，而非“一跑了之”。今年上半年，“大王理财”在清偿投资者本金与收益后永久关闭。像“大王理财”这样停业的P2P平台，今年7月就有43家。
“今年上半年，问题平台数量占停业及问题平台的比例不断下降，2015年年底该项数值约为60.38%，2016年6月已降至44.68%，这意味着良性退出的平台数量占比明显上升。”网贷之家首席研究员马骏认为。
“网贷行业在政策规范和行业自律加强的背景下，整体环境逐渐向好，一些网贷平台知难而退主动离开，平台数减少，新增平台数也在放缓，质量自然就会提升，收益也会回归理性。”广东互联网金融协会秘书长朱明春说。
趋势三：监管路径日渐清晰
历经数年发展，网络借贷的市场定位、监管路径日渐清晰。2015年12月28日，银监会发布《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)》，明确界定网贷平台作为网络金融信息中介企业的定位。
该管理办法中银行作为资金存管机构的规定，将可能成为P2P行业的“隐形门槛”。据网贷之家不完全统计，截至2016年7月，有近150家P2P平台与银行签订资金存管协议。不过，真正与银行完成资金存管系统对接的只有48家，仅占网贷行业正常运营平台数量的2.04%。
中国互联网金融协会近期下发了《互联网金融信息披露标准——P2P网贷(征求意见稿)》和《中国互联网金融协会互联网金融信息披露自律管理规范(征求意见稿)》，正式向会员单位征求意见，行业自律逐步加强。
地方网贷行业监管基础设施建设也在不断推进。据深圳市网贷企业比较集中的福田区网贷行业协会负责人透露，深圳正计划推出网贷行业信息披露系统，平台的相关数据有望与深圳市经侦、金融办等监管部门实现实时对接。
“未来更重要的是监管思维的转换。”黄震认为，P2P作为新生的互联网金融业务，难以实现绝对的无缝监管，传统的执法、排查理念并不能十分有效地防控风险。相关部门更应加强大数据检测预警技术，通过实时的业务数据检测，提前预防，及时监管。