[track] P2P net loan to savage growth

Don't run banks for loans, only one IP address registered at the Internet real name and through the relevant certification, reaches a certain level credit, can apply for to at least 35000, more than one hundred and eighty thousand of loans, to solution as pressing danger. If you have extra money, also can be in online moneylenders, annual interest of at least 10%, sitting at home will be able to profit, cost much more than the bank deposit. The above achievements in surprise, "P2P net credit is now well".

P2P is the abbreviation of the peertopeer English, meaning "person to person". The so-called P2P net loan, personal loan refers to each other through the network platform, lenders issued loan demand on the P2P website, investors through the website will lend to borrowers. The superiority of P2P net loan to the largest, is the traditional bank to cover the borrower can fully enjoy the loan in the virtual world, efficient and convenient, without looking at the bank's face and obtain the necessary loans.
P2P net lending model is created, the British Richard Dewa, James Alexander, Sara Matthews and David Nicholson, 4 young men. In 2005 March, they founded the world's first everyone credit company Zopa online operations in london. Today the Zopa business has expanded to Italy, USA and Japan, the average daily online investment amounted to about 2000000 pounds.
Zopa is "agreement could be reached space (ZoneofPossibleAgreement)" acronym. On the Zopa website, investors can list the amount, interest rate and want to lend out money time, and the borrower is according to use, the amount of search for loan products, Zopa will charge a fee to the debit and credit, rather than earn interest.
In China, was founded in 2007 on the loan is the earliest P2P net credit company. Over the next few years, the domestic net credit platform is very rare, few entrepreneurs involved. Until 2010, the net credit platform is many entrepreneurs see, began to appear some water, there are more famous peer-to-peer lending, loan speed, easy credit and E 365, Chengrong online etc.. In 2011, the net credit platform to enter the phase of rapid development, 808 credit, micro credit network, Zhongbao investment, search - and a number of net credit platform to launch. In 2012 China's net credit platform to enter the outbreak period, net credit company such as bamboo shoots after a spring rain, suddenly hundreds of.
P2P net credit in our country was popular, should be "financial exclusion phenomenon due to the" current, which provides a market space for the net credit platform. For the traditional commercial banks, because the benefits and costs of service low-end customers do not match, and the strain is slow, unable to efficiently deal with the business characteristics of risk diversification of this group of people, water is too small, can not afford much interested. And Internet companies in the technology to solve this problem, innovation and produces a large data and convenient Internet based on information flow of credit means, which removes the asymmetric financing of small and medium enterprises information barriers, improve transaction efficiency and reduce cost, further broaden the financial service target population.
Say the image point, P2P net loan is actually "in strange acquaintance society money", the user will interpersonal network in reality to the net credit platform, as long as sufficient personal information and social information, we can complete the microfinance. But investors through a large number of references on the net credit platform for screening the trustworthy borrower, lend money, earn substantial interest. But lending platform also provides guaranteed commitment, investors money has a certain degree of security.
At the same time, P2P net credit because of venture capital (VC) to do the backing and capital strength. The Internet business is a burn money enterprise, capital is a big bottleneck. Now venture capital generally optimistic about the net loan, that a combination of borrowing and the Internet will become a very promising Internet financial model. In 2012, the first net credit platform ppdai won the prestigious VC Sequoia Capital Investment of $25000000, for the construction of risk control system. While some large VC also tried to seek investment opportunities in the field of net loan.
However, everything has two sides, the net credit Fengshengshuiqi, all kinds of unpredictable risks followed.
Because the net credit company is essentially an intermediary, enter a doorsill low, the examination and approval procedures are relatively simple, a few million yuan will be registered. Therefore, from the net credit company will inevitably dragons and fishes jumbled together from the beginning of the pattern, some P2P network lending platform operation there have been illegal fund-raising shadow, and a net credit company investors tens of million yuan of funds Run away boss There are plenty of people who. Light in 2012 net credit company suspected of Run away, counted roughly, there Baer venture capital, angel plan, gold credit, loans, loan awesome ants, the credit state, UE loan. The net credit company Run away trick is: after the net credit platform away sedimentation funds or the net credit platform disguised as borrowers borrow Juankuan sneak out, but the investor to high return chasing, let the net credit fraud has become an.
In order to ensure the healthy development of net credit platform, have greatly enhanced the transparency, autonomy and responsibility that can't be. In addition, there is no other way. The author suggested only three: first, the operation of transparent operation, in does not involve commercial secret circumstances (such as protection of investors and borrowers, the relevant financial data privacy) to open, to the core data especially the liquidity index and the bad debt rate shall advise customers; secondly, to accept the collaborative management independent opinions mechanism. Funds transaction settlement through the third party organization, shall not use the net credit platform own escrow account settlement, regular audit of bad debt rate, liquidity index and corporate status; again, assume risk responsibility, establish the risk isolation wall, the borrower fails to repay the loans due to special reasons, the net credit company must pay to repay the principal, no risk to any excuse will default on loans to investors.