The Number Of P2P Platforms Continues To Grow, And Yields Fall Below 12%.

In September 2015, 56 new platforms were added to the country.

By the end of September 2015, the number of platforms for national problems has reached 1115.

From the number of monthly problem platforms, since the end of 2014, with the growth of the number of P2P platforms, the problems accumulated in the disorderly operation of the industry have begun to focus on the outbreak.

In 1-9 months of 2015, the number of new problem platforms in the country was 726, 2.4 times that of 2014, far exceeding the total sum of 2015.

From the perspective of the geographical distribution of the problem platform in September, there were 15 provinces affected.

Among them, Shandong has the largest number of platforms, up to 18.

In addition, Guangdong, Shanghai, Henan and Zhejiang are also provinces and cities with large number of platforms.

From the point of view of the problem platform, there are 31 platforms and 10 running platforms, and the total proportion is 73.2%.

In addition, the platform for "cash withdrawal difficulties" and "suspension of business" were 8 and 7 respectively.

From the survival cycle of the problem platform, the operating time was 3 months, and the 3 to 6 months were 14 and 16 respectively, accounting for 53.6% of the total.

Among them, there are three platforms for running on the line in the month, namely, Wen Mao venture capital, Hongxing e loan and Bank of China investment guarantee.

For some operations that are not long enough, especially for the newly established platforms, investors should remain vigilant and not be easily confused by their high interest or other interests.

How to regulate and guide the healthy P2P net loan market?

First, we should focus on cleaning up and rectifying the name of dismantling and mismatching. In fact, we should build our own pool or use it to finance ourselves, defrauding investors' capital and ready to roll out the platform.

Second, we must strictly request the P2P platform to establish trusteeship trusteeship as soon as possible, and the funds will be directly butted between investors and borrowers, so that the platform will not be able to access the investors' money.

Only in this way can investors' money be guaranteed.

Third, the P2P platform is required to enhance the true information disclosure, such as operating data such as revenue, net profit and risk reserve.

And bad wind rate data.

In September 2015, 84 P2P financial platforms, which were monitored by Yin Hai network, issued 375 thousand new targets, with a turnover of 22 billion 290 million yuan. The total number of investment was 10 million 668 thousand, with an average borrowing period of 190.1 days.

The average annual yield of P2P in September was 11.48%, which has been decreasing for several consecutive months.

From the average loan interest rate, the interest rate "8%-12%" accounted for the highest proportion of 44.4%, the interest rate "<8%" accounted for 26%, the two interest rates accounted for more than 6 of the total.

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The proportion of interest rate "equal to 20%" is only 1.1%, which has declined considerably compared with last month. The reduction of high interest rate platforms and high interest projects reflects that the market is gradually moving towards a rational, standardized and healthy development.

From the average borrowing period, the loan period is 1-3 months, accounting for 33.5%.

The borrowing period is less than 3 months, accounting for 67.3% of the total, reflecting that the P2P net loan is still dominated by short-term funds.

The loan period is "more than 12 months", accounting for 20.6%, which has been improved since last month.

P2P net loan presents ice and fire days, on the one hand is the number of pactions, turnover continued to rise, on the other hand, the continued decline in yields.

Analysts believe that the P2P net loan market will continue to show this trend for some time to come.

First, yields continue to fall.

On the one hand, the continuous monetary easing of the central bank has resulted in more sufficient funds in the lending market, and the continuous increase in the supply of funds will inevitably lead to a continuous downward trend in borrowing interest rates. On the other hand, in the process of pformation and upgrading of the real economy, the industry and projects with high return on investment will be reduced, and the interest rate centre that the SMEs can bear will gradually move downward.

Secondly,

Net loan pactions, turnover will steadily increase.

On the one hand, the central bank cut interest rates, resulting in continued decline in the yield of bank financial products, the stock market and other earnings fluctuations, relatively speaking, P2P net loan higher stable rate of return is still more attractive.

On the other hand, with the gradual strengthening of regulation, the gradual implementation of measures such as depository and management of customer capital banks, and cracking down on Financing pools, the standardization of P2P platform operation has been improved and investor confidence has been enhanced.

"P2P net loan as an important form of Inclusive Finance, to a certain extent, solves the problem of borrowing difficulties for individuals and small and medium enterprises. Its existence and development is reasonable and necessary. The key is to strengthen supervision, effectively protect the safety of investors' funds, and guide the healthy development of the industry."

Silver rate network analysts believe.