P2P Warming Up: Another 200 Billion Tier Market

Despite persistent escapes, the domestic P2P market may still be in a golden age.

Yesterday, the industrial chain financial platform, treasure island, invested in the establishment of the P2P platform, the gold fed, claiming that the registered capital was 100 million yuan, mainly focused on the industry chain financial services.

The gold Fed is another new force in the P2P industry.

According to the latest data of net loan home, in September this year, there were 103 new online loan platforms in China.

Up to now, there are about 1438 network loan platforms operating in China, with a growth rate of 5.96%.

When treasure island was set up to enter P2P, P2P financing continued.

Recently, the P2P platform has been announced to be invested by millions of dollars in A rounds.

Earlier, bricks and boxes were awarded tens of millions of dollars for capital and millet.

Since the beginning of this year, in addition to those mentioned above, many P2P enterprises, including Renren, favorable network, pat and so on, have also received more than 50 million US dollars in financing. The financing amount of the entire P2P industry has exceeded 1 billion 800 million yuan.

A large number of experienced players pour into the P2P market.

Behind the increasing popularity of the P2P industry, a large number of veteran players are also pouring into this market. Following the launch of Alibaba's "trick treasure", Sohu launched its P2P platform search and loan this year, claiming that it is difficult to solve personal loans, and the specific yield is 8%-12%.

Alibaba, Sohu, other Internet giants also eyeing the P2P field, Jingdong finance has been recruiting online job information in each recruitment website, analysis said Jingdong has a small loan business foundation, can quickly supply chain finance to the P2P platform.

When Internet companies are ready to win their support, a number of traditional enterprises have also entered the P2P industry, including Lu Jin, a small investment enterprise made by Ping An investment, a small business e of China Merchants Bank, the people's livelihood bank of Minsheng Bank and the pony bank bank.

The smell of capital has gradually entered the hot P2P field, and even the Panda Fireworks, the only listed company of A shares, is among the fireworks companies. Its Silver Lake network has been launched. Since the P2P business on the line, the share price of Panda Fireworks has continued to rise.

Zhao Weiping, the actual controller of Panda Fireworks, also said that the future of Panda Fireworks will take finance as the main business. The name of Panda Fireworks may also be changed to Panda finance or Silver Lake Finance, or even the registered address will be relocated to Beijing.

The Silver Lake network of panda fireworks company's P2P platform will become the most important core asset of Panda Fireworks in the future. By the end of this year, the registered capital of Silver Lake network will increase from 100 million yuan to 500 million yuan.

It can be seen how important P2P business is to Panda Fireworks.

Why is the P2P industry so hot?

How fast is the P2P industry developing? It has been reported that the scale of P2P pactions is only 3 years from 1 billion 370 million yuan to 100 billion yuan, and this year it is expected to double to 200 billion yuan.

Some investors pointed out that P2P is in the second half of the industry in the industry cycle, and the whole market is still blue ocean.

Before the industry matures and regulatory policies have not yet been formally launched, venture capitalists are just the tip of the iceberg.

Why does a large number of enterprises enter the P2P industry? This is closely related to the traditional financial industry services, which are not closely related to the needs of enterprises and users.

First,

and

Difficulty is still a major ailment ahead of the development of China's real economy.

Because of the traditional risk assessment methods and asymmetric information in the market, the cost of auditing a small and micro enterprise is almost the same as that of auditing a large enterprise, sometimes even higher, and the risk may be greater.

This has led banks to lend money to large enterprises rather than lend money to small and micro businesses. Small and micro enterprises have to pfer to financial companies under the line, lending at interest rates of more than 30%, resulting in many small and micro enterprises unsustainable.

Secondly, China's securities market is in a doldrums. The real estate investment field is affected by price fluctuations, and the investment prospect is uncertain.

Chinese consumers do not have too many investment choices, and money management and funds often start at 50 thousand yuan.

The service experience of the vast number of users in the bank is not good. A simple business still needs a long queue. Although banks have fast access, they are more willing to serve the two groups, such as Bai Fu Mei and Gao Fu Shuai.

After 1 years of deliberation, the regulatory policy of P2P industry is becoming clearer.

Jinghao Chinese partner Wan Hao Ji said that Jingwei is optimistic about the direction of Internet finance, which contains huge market demand and opportunities.

Wan Haoji said that over the past year or so, the P2P industry has been growing at a speed of 3 to 5 times, and the relevant policies have gradually become clearer. Longitude and latitude have been observing for a long time and are willing to continue the layout in the Internet financial field, which is in line with the longitude and latitude investment strategy.

Enterprises also need to develop P2P.

Such as millet also entered the Internet banking early this year, signed a comprehensive financial cooperation agreement with the Bank of Beijing mobile Internet finance, investment in P2P enterprises is also the trend.

CEO Xu Jianwen said that from the current competitive environment, the development of the industry has entered the stage of accelerated development under the impetus of capital.

Of course, relying on Internet technology to achieve innovation, facilitation, security and automation is the trend of the P2P. With the entry of capital, the competition of P2P industry is bound to intensify. A group of outstanding companies will stand out and occupy a considerable share of the industry.

Analysts pointed out that in the future P2P industry's venture capital events may be more frequent, and even some P2P companies are directly being acquired. For P2P entrepreneurs, it is more likely to grasp the next draught if we want to grasp the niche and do better.