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网贷行业现“爆雷潮” 预计P2P退潮或仍将持续2-3年

发布时间:2018-12-07 15:53
进入6月后,P2P关停潮袭来,不少投资者遇到提现困难和平台跑路现象,辛苦工作的血汗钱被席卷一空,追讨无门。而近期P2P关停潮或仍将继续数年,未来存留下来的平台数量将大减。
 
After entering June, the closing tide of P2P came, many investors encountered difficulties in cash withdrawal and platform running, sweat money swept away hard work, no way to recover. The recent closure of P2P will continue for several years, and the number of remaining platforms will be greatly reduced in the future.
 
 
 
6月以来P2P频繁爆雷
 
P2P Mine Explosion Frequently Since June
 
 
 
6月以来,陆续有P2P平台“爆雷”,出现提现困难、甚至跑路的情况。光是7月的第一周,爆雷的P2P平台就达40家,涉及资金超1200亿。
 
Since June, there has been a succession of P2P platform "thunder blasting", which makes it difficult to find and even run. In the first week of July alone, there were 40 P2P platforms, involving more than 120 billion dollars.
 
 
 
先是7月3日,杭州网贷平台牛板金发布公告称,有9852万元的借款项目出现逾期;7月7日,上海百亿平台银票网爆雷,实控人自首,警方已立案;7月9日晚间,深圳互金平台钱爸爸发布公告称,平台部分出借者出现汇款延迟的现象。
 
First, on July 3, Niuban Jin, an online lending platform in Hangzhou, announced that 98.52 million yuan of borrowing projects had been overdue; on July 7, 10 billion yuan of Shanghai platform silver ticket network exploded, the real controller surrendered, and the police had filed a case; on the evening of July 9, Dad Qian, a mutual fund platform in Shenzhen, issued a notice saying that some of the platform lenders had delayed remittances. 。
 
 
 
 
 
据网贷之家不完全统计,6月停业及问题平台数量为80家,其中停业转型平台17家,问题平台63家,创下今年单月问题平台爆发的最高峰。这也意味着,6月平均每天就有2.7家平台停业或出现问题。值得注意的是,在6月的63家问题平台中,58家问题事件类型为提现困难,占比超过90%。提现困难的背后,大部分与资金流出问题有关。
 
According to incomplete statistics of online lending home, the number of shutdown and problem platforms in June was 80, including 17 shutdown and transformation platforms and 63 problem platforms, which reached the peak of this year's one-month outbreak of problem platforms. This also means that an average of 2.7 platforms were shut down or had problems every day in June. It is noteworthy that of the 63 problem platforms in June, 58 problem event types are cash difficulties, accounting for more than 90%. Behind the difficulty of withdrawal, most of it is related to the problem of outflow of funds.
 
 
 
网贷之家的一份报告指出,导致近期问题平台数量大增的因素,主要是在近期金融监管趋严、网贷备案延期、股市大跌以及目前整个市场资金流动性紧张的大环境下,平台的运营成本和合规成本不断增加,借款人逾期率上升,导致不合规、经营不善的平台不断出现“爆雷”情况,以及问题平台持续出现导致投资人对背景较差的平台持谨慎态度,使得平台经营困难。
 
A report from the Internet Loan House pointed out that the main factors that led to the increase in the number of platforms in recent years were the tightening of financial supervision, the delay of online loan filing, the sharp drop in the stock market and the tight liquidity of the whole market. The operating costs and compliance costs of the platforms were increasing, and the overdue rate of borrowers was rising. As a result, irregular and poorly managed platforms continue to appear "thunderbolts" and problem platforms continue to appear, which leads investors to be cautious about platforms with poor backgrounds, making the operation of platforms difficult.
 
 
 
3年后,目前平台数将仅剩目前的10%
 
In three years, there will be only 10% of the current number of platforms.
 
 
 
中金公司的最新报告称,近期中国P2P网贷平台关停数量增加,预计P2P退潮或仍将持续2-3年,3年后正常运转平台预计不超过200家,仅为目前运营平台数量的10%左右。
 
According to the latest report of CICC, the number of closures of P2P online lending platforms in China has increased recently. It is expected that the ebb tide of P2P will continue for 2-3 years. After three years, the number of normal operating platforms will not exceed 200, which is only about 10% of the current number of operating platforms.
 
 
 
报告表示,预计新一轮对P2P的监管细则及现场检查即将开启,或在2019年6月前完成进一步的整改验收。其后将进一步完善准入制度,或进行牌照发放监管,而不仅仅是备案。
 
According to the report, it is expected that a new round of regulations and on-site inspection of P2P will be launched soon, or that further rectification and acceptance will be completed by June 2019. Subsequently, the access system will be further improved or the licence issuance supervision will be carried out, not just for the record.
 
 
 
目前大部分P2P网贷平台业务仍不合规,当前1836家运营平台中仍有约60%的平台尚未完成银行存管,即存在资金池和挪用资金的可能。
 
At present, most of the P2P network lending platform business is still irregular. At present, about 60% of the 1836 operating platforms have not yet completed bank deposit, that is, there is the possibility of capital pool and misappropriation of funds.

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