In 2007, P2P officially entered China, and a pure credit loan platform represented by "Paipaidai" emerged. But like other business models, it has also encountered acclimatization in China. With the continuous development of China's economy, the country's emphasis on the role of Internet finance in "inclusive finance", and the participation Buy email list of relevant professionals, the P2P industry has begun to expand. It also brought a lot of negative problems. From 2016 to 2017, the P2P industry officially ushered in the "supervision landing". In the case of "increasing supervision", what is the current situation of the industry? What will happen in the future? This article attempts to give an own interpretation by collecting public data and materials in the industry.
I believe that with the gradual implementation of "compliance rectification", the domestic P2P industry will usher in the following trends:
1. Industry concentration increases and Matthew effect intensifies
As the industry threshold gradually rises and compliance costs are getting higher and higher, the online lending platform has entered a period of clean-up and rectification. "Compliance" will be the main task for a period of time in the future, and some weak platforms will have to withdraw because they do not meet regulatory requirements. The whole industry will have a situation where "the strong get stronger and the weak get weaker".
2. Standardized development, small decentralization
The positioning of the online lending platform by the regulators is "information intermediary" and "small-amount decentralization". The existing models such as "+Gold Exchange", "+Factoring" and "+Financial Leasing" will be completely withdrawn from the stage. In addition, large-amount business It will also be thrown out of compliance business. In the later stage, consumer finance, cash loans and car loans may become the focus of competition among online loan platforms.
3. To expand business, license is king
At present, many platforms have deployed various financial licenses, so as to strive to expand the company's business line in the future and enhance the overall brand effect.