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P2P Net Loan Seeks To "Guarantee": Introducing Insurance Benefits Slide

2014/8/13 14:01:00 30

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recently, Hong Kaibin, a Guangzhou net loan platform Lide wealth CEO, told reporters that they were discussing the cooperation mode between P2P and insurance with PICC and pave the way for "going to guarantee". In fact, not only Lide wealth, our reporter learned that many P2P in Guangzhou and Shenzhen are promoting cooperation with insurance companies. 
 but through the introduction of insurance institutions, risk management is the most important issue for the P2P platform. According to Hong Kai Ping, according to the different investment projects, the impact of the insurance company's involvement on the platform's investment income will be different from 1%~8%. 
 > strong > P2P, multi management spanfer risk /p >
 after Lu Jin put forward the slogan of "going to guarantee" in the industry, many P2P platforms follow up, and the mode of "going to guarantee" is also various. 
 one is streaking, for example, Lu Jin recently released a number of unsecured products on the financial channel. Taking rainbow poly Jubilee 01U, rainbow long Kang -18A as an example, the payment risk will be passed on to investors. In addition, you and I also plan to launch unsecured products in the three quarter. 
 P2P platform also adopts risk margin, risk reserve and so on. Once the project is paid, it is deducted from the reserve, but under this mode, the P2P platform still has hidden guarantee. For example, Hongling venture started the risk reserve plan in March 2014, with an initial reserve of 50 million yuan and a daily increase of 1.2% years in terms of spanaction volume. 
 and in the true sense of P2P's cooperation with Guarantee Corporation, Guarantee corporation only guarantees projects introduced by Guarantee Corporation, not all projects on the P2P platform. Similar cooperation modes include cooperation with small loan companies, pawnshops and factoring institutions, which only guarantee their own or related projects. 
 besides, < a href= "http:// www.91se91.com/news/index_c.asp" > P2P < /a > has also begun to cooperate with insurance companies to make use of insurance companies to hedge risks. In early May this year, the insurance company and the P2P platform for the first time to cooperate, the civil and financial insurance, the North Branch of the national life and the finance road Tong joined hands to provide the casualty insurance and the credit guarantee insurance for the high quality borrowers on the finance platform. 
In the early days of July, P announced that it should cooperate with Yixin to provide the "credit loss credit insurance for financial institutions" for the pilot project "Yixin - China Aviation trust micro credit series collection trust scheme". Recently, Zhong An insurance and Fuli Real Estate Co operated with Yi Ju China to provide credit guarantee insurance for investors of the Internet real estate financial platform. 
 reporter understands that at present, many P2P platforms in Guangzhou Shenzhen are also seeking cooperation with the insurance company. 
 Hong Kaibin told our reporter that they plan to cooperate with insurance companies through four paths: first, because of the mode of hosting the third party funds, the investor will purchase insurance funds for personal account security. Two, because of the high risk of the P2P platform, it will buy products similar to those of the directors' liability insurance for its executives, three is the related property insurance for the collateral in the collateral, and four is the credit guarantee insurance for the credit marks. 
 < a > href= > http:// > www.91se91.com/news/index_c.asp > revenue > /a > decline about 1~8 points /p >
 but Hong Kaibin is unwilling to disclose the premiums discussed with the insurance company. He only said that the guarantee amount for unsecured pure credit items insured will not exceed 150 thousand yuan. "The insured amount is small, on the one hand, because the insurance company wants to disperse the policy and spread the risk." 
 for credit guarantee insurance, there are many years of cooperation between insurance companies and banks, such as bank's consumer credit guarantee insurance, which is launched by banks. Besides, it also includes small loan performance guarantee insurance issued by insurance companies and small loan companies. 
 but compared with the higher quality < a href= "http:// www.91se91.com/news/index_c.asp" > Bank Borrowers < /a >, the quality and repayment ability of the P2P platform borrowers are more complex and uneven, which also increases the difficulty of insurance companies' insurance and increases the risk of compensation. Therefore, the insurance premium provided by insurance companies for P2P platform is much higher than that of banks. 
 according to Hong Kaibin analysis, the P2P platform insured the credit guarantee insurance, and its impact on the cost is very obvious. For example, if the investment income of a credit target is 18%, the profit may even decrease by 8 percentage points or even higher after the insurance is insured. 
 but in the guarantee, the property insurance provided for the collateral will have little impact on the investment income of the project. "In the guarantee, we will send people to the field to make the best adjustments to the project, and feedback the results of the investigation to the insurance company. The insurance company will then underwrite the information according to the data to determine whether it meets the requirements, which means that the P2P platform and the insurance company have made double deck wind control." He analyzed that the insurance company's involvement in the guarantee target had only 1 percentage points impact on investment returns. 
 how to balance survival and development 
Wang Yanxiu, director of the innovation Department of the China Banking Regulatory Commission (CBRC), had previously attended the "China Banking Development Forum" and pointed out that the P2P platform itself should not undertake P guarantee, nor promise to repay the principal proceeds of the loan, nor to undertake credit risks and liquidity risks. 
, then, will investors buy it after the slide in revenue? Or will the platform spanfer risk to investors and hold it high? Can investors still recognize it? After all, P2P platform is still in the initial stage of development, and survival is the top priority. 
 China's Internet Financial Innovation Research Institute special researcher Xu Bei told our reporter that the introduction of the third party guarantee institutions by the P2P platform actually played a role of increasing credit, and the final effect was to increase the ability of the platform's invisible rigid payment, which did not play too much risk hedging role in the investment projects. 
 "today's P2P investors, after accreditation of a platform, is not very sensitive to whether the platform is introducing third party guarantee institutions, and more depends on revenue." Xu Bei said. 
 "P2P platform is taking the old road of trust, that is, rigid payment. This is a process of accumulating risks. In the long run, if P2P wants to develop healthfully, it must break the rigid payment. Then there is no better way to completely break the rigid payment." Hong Kaibin also said. 
 he believes that since the risk can not be eliminated, it can only be spanferred. "The reason why we cooperate with the organization is to spanfer the risk reasonably, and then find a stronger institution to risk the risk."