"P2P" zero bad debt: such platforms do you dare to vote? -P2P, net loans-IT information
Not long ago, in the first financial daily reporter did Jin, e rent Bao, investigation into alleged illegal fund-raising financial platform. In the initial involvement when interviewed by reporters, common platform, even investors, those victims who, in turn, questioned media reports, these platforms run to baiyiji, but still can do it "zero bad debt" money each investor can honour, why do the media to investigate such "good" platform?
In the understanding of many people in that "bad" just became a problem platform of credit guarantees.
Self-described "zero bad debt"
The first financial journal inquiry found that the same "zero bad debt", also appeared in a number of normal business in the online lending platform presentation or promotional items.
For example, the following figure is a related to mortgages, car loans, small business loans and many other P2P platform for business website screenshots, this platform has been operating for more than a year, official website shows late stays at zero.
Following figure is founder and President of the P2B platform earlier in a media interview, reproduced on multiple Web sites. According to the said, which since September 2013 has formally launched the P2P platform, cumulative financing reaches 400 million, also has been able to maintain a "zero bad debt."
Moreover, the founder and Chief Executive of the platform said: "' zero bad debt ' is the best return for investors. ”
There are many examples such as this. As for these platforms how to explain zero bad? Judging from the above two examples, also call themselves nothing more than risk team has the experience, tight credit check on the borrower, or the appointees had served on the Bank.
However the contrast is that even banks, according to data released by the China Banking Regulatory Commission, by the end of June industry-wide NPL ratio also has 1.81%, and P2P undertake asset class close to the banks of the small business rate of bad loans, is about 3%.
Who can do it "zero bad debt"?
NET loans (including offline money) "zero bad debt" credible? NET loans eye win CEO Tian Wei said in an interview with the business daily, from a rational point of view, the so-called "zero bad debt", there are two possibilities.
The first, is the platform operation soon, lending has not yet expired, or not many projects due, when it is not set to honour, such a platform could hardly appears overdue, bad debt.
Second, the platform is already a lot of overdue, bad debts, some platforms also used its own funds to hold for the time being, some platform has just started a new or old, robbing Peter to pay Paul. In order to "take", and they are concealing the bad external rate.
In addition, there is a worse situation: fraud such as illegal fund-raising platform, subject and project are fictional, funds run by new or old. The "Ponzi scheme" before they were exposed, probably not bad loans, funds can be paid.
Tian Wei to win but also said platform "zero bad debt" refers to the platform from the risk audit to credit management are foolproof, but it is "ideal", and in fact is financial risk.
CEO by Lu Jin Ji Kui had previously said that, beyond its platforms for P2P industry average default rate level for 13%~17%.
At present, apart from a few to several relatively transparent platform in the industry to announce the real default rate data, most platform did not announced the figures, or in publicity to "zero bad debt", investor money payment argument passing. However, as regulators gradually landed on net lending industry management, the platform of overdue rates, bad debts were also asked to rate the future available to the investor.
Like, silver prison pre-session soon to the Bank issued of network borrowing funds save tube business guidelines (sought views draft) in the, on requirements save tube Bank regularly issued network loan institutions funds save tube report, on network loan institutions of trading scale, and borrowing balance, and save tube balance, and borrowing people and the lending people number, and late rate, and bad rate, and customer number, and average borrowing term and the borrowing cost, in official specified website for public disclosure.
“P2P”零坏账：这样的平台你敢投吗？ - P2P,网贷 - IT资讯
前一阵子，《第一财经日报》记者做过中晋、e租宝等涉嫌非法集资的理财平台调查。在记者最初介入采访的时候，常听到平台方，甚至是投资人、也就是那些受害者们，反过来质疑媒体称，这些平台经营到了百亿级，却还都能做到“零坏账”，投资人的钱每期都能兑付，媒体为什么要来调查这样的“好”平台？
在不少人的理解中，“零坏账”恰恰成了问题平台的信用背书。
自诩“零坏账”
《第一财经日报》记者查询发现，同样的“零坏账”，还出现在不少目前正常经营中的网贷平台的介绍或宣传品中。
比如，下图是一家涉及房贷、车贷、中小企业贷款等多种类业务的P2P平台官网截图，这家已经经营超过一年的平台，官网显示逾期标的仍然为零。
下图是某P2B平台创始人兼总裁稍早前在接受媒体采访时的表述，在多个网站上均有转载。据其称，这家自2013年9月就正式上线的P2P平台，在累积融资规模达4亿时，还仍能保持着“零坏账”的。
而且，该名平台创始人兼总裁表态称：“‘零坏账’是对投资人的最好回馈。”
诸如此类的例子还有不少。至于这些平台自己是如何解释能够做到零坏账的呢？从上述两个例子来看，原因也无非就是自称管风险的团队有经验，对借款人的信用查得紧，或聘用的人员曾经供职于银行等。
然而与之形成对比的是，即便是银行业，据银监会公布的数据，截至6月末全行业不良贷款率也有1.81%，而与P2P承接的资产种类接近的银行业的小企业贷款不良率，则在3%左右。
谁能做到“零坏账”？
网贷行业（包括线下理财）的“零坏账”可信吗？网贷天眼CEO田维赢在接受《第一财经日报》采访时表示，从理性的视角来看，所谓“零坏账”，一般有以下两种可能性。
第一种，是平台刚刚运营没多久，借款项目都还没有到期、或者到期的项目不多，没有到集中兑付的时候，这样的平台可能还没有来得及出现逾期、坏账。
第二种，是平台其实已经开始出现了大量逾期、坏账，有的平台还能用自有资金等暂时兜着，有的平台则干脆开始了借新还旧、拆东墙补西墙。为了“借新”，他们会对外隐瞒真实坏账率。
此外，还有一种更恶劣的情况：诸如一些非法集资的诈骗平台，标的和项目都是虚构的，资金靠借新还旧运行。那在“庞氏骗局”被揭穿之前，很可能也没有坏账率，资金次次都能兑付。
田维赢也表示，平台“零坏账”是指平台从风控审核到贷后管理都做到了万无一失，但这只是“理想情况”，而事实上金融都是存在风险的。
陆金所CEO计葵生此前曾表示，其平台之外的P2P行业平均坏账率水平为13%~17%。
当前，除了个别几家行业中相对较为透明的平台敢于公布真实坏账率数据外，多数平台并不对外公布这一数据，或是在宣传中以“零坏账”、投资人资金全部兑付等说辞一笔带过。然而，随着眼下监管部门对网贷行业的管理办法逐渐落地，各平台的逾期率、坏账率未来也被要求向投资人公布。
比如，银监会前不久向各银行下发的《网络借贷资金存管业务指引（征求意见稿）》中，就要求存管银行定期出具网贷机构资金存管报告，对网贷机构的交易规模、借贷余额、存管余额、借款人及出借人数量、逾期率、不良率、客户数量、平均借款期限及借款成本等在官方指定网站进行公开披露。