Recently, a third-party organization released the "March 2017 monthly report" (hereinafter referred to as the "monthly report"), showing that in March 2017, the volume of P2P online loan industry was 250.843 billion yuan, up 22.76% from February. %, and set a new historical high for a single month. As the major platforms resumed their normal operations after the Spring Festival holiday in March, the volume of transactions in that month also showed a significant rebound. In addition, the cumulative turnover of the P2P online loan industry has reached 410.526 billion yuan. Yuan, broke the 4 trillion mark. As of the end of March 2017, the loan balance of the P2P online loan industry increased to 920.966 billion yuan, an increase of 3.97% from the end of February. The balance of loans to the P2P online loan industry showed a steady increase.
It can be seen that as the effect of the Spring Festival holiday gradually faded, the volume of transactions in the online loan industry increased significantly in March compared with February. Even at the time when the regulatory authorities continued to intensify supervision and the industry was facing rectification, online lending was still booming and its development momentum was surprising. Behind the ever-increasing volume of transactions and loan balances, the industry's trend of “diversification†has attracted more attention.
March net lending turnover hit a record high
The monthly report shows that in March, the volume of online loan transactions reached a single month high, showing strong growth potential. The resumption of normal operation of the major platforms has greatly eased the situation of “a difficult bid†and lenders have more choices when choosing to lend projects.
The monthly report pointed out that China's online loan prosperity index for March 2017 was 135.89, a slight decrease from February. Due to seasonal factors, the prosperity index in February caused a new high in the near-term, and a slight decline occurred after returning to normal levels in March. Judging from the five dimensional indicators of the boom index, the balance of loans is still the best performing indicator. This also indicates that more platforms have inflows of funds during the year. This shows that even if the industry is in the stage of rectification, it is still well received by the lenders. Favor.
Most provinces and cities increased their trading volume in March
The monthly report shows that from the perspective of the transaction status of online loans in all provinces and cities, among the 30 provinces and cities that entered the statistics, there have been increases in the volume of online loan transactions in 25 provinces and cities in March. The top three provinces and cities in the country are still Shanghai, Guangdong, and Beijing, with transaction volumes of 81.157 billion yuan, 54.405 billion yuan, and 53.97 billion yuan, respectively, an increase of 18.38%, 15.60%, and 26.60%.
If the net loan industry is analyzed from the changes in the net loan balance, the value of the online loan balance of the online trading platform with higher trading volume is much greater than that of the ordinary online loan platform. From this, it is inferred that more and more funds have begun to flow to large-volume online loan platforms, and the trend of “diversity†has become apparent.
With the advancement of the compliance process of the online loan industry, in the more competitive market, if the platform is not to be eliminated, it is necessary to give priority to the improvement of qualification and volume. Only the online loan platform that ranks among the leading players will be trusted and loved by the lenders. It will survive in the new industry structure that is becoming more and more mature, and will gradually grow.
The number of operating platforms continues to fall
According to a survey of third-party websites, the number of operating platforms in March was 1,810, a decrease of 64 from the previous month, a decrease of 3.43% compared with the previous month and a decrease of 30.21% year-on-year. Since the “Provisional Measures†in August 2016 delineated 13 regulatory red lines, the number of operating platforms reached the historical minimum this month, and the industry reshuffled the situation very prominently.
As of March 31, 2017, the number of online banking platforms in China reached 4,804. Three new platforms were added this month, and the number of new platforms was higher than last month. In addition, 63 new problem platforms were added in March (excluding non-recently), a decrease of 25.88% compared with the previous quarter, and at the same time, there were 2,994 cumulative problem platforms.
Lending yield lower
Recently, as the online loan industry gradually enters a benign development track and the supervisory layer advances the compliance process, the yield of online loan lending continues to decline. In March, the average comprehensive income rate of the online banking industry was 9.47%, which was a decrease of 0.21 percentage point from the previous month. Before the new pattern of the industry is formed, the online loan yield may continue to decline.
Under the premise of increasing industry differentiation, the competition between platforms is more reflected in compliance. As an outstanding representative of promoting inclusive financial practices, the Dorothy platform always targets “providing quality services to usersâ€. With rich experience in the financial industry and strong Internet advantages, it has been cultivating industrial subdivision areas for quality and Individuals with financing needs solve financial problems and serve the real economy; they strictly control risks and regulate operations, and provide professional, efficient, transparent, and honest Internet financial solutions, continuously providing users with flexible, high-quality, fast and convenient Internet financial information intermediary services. project.
Nowadays, with the joint efforts of the supervisory level, online loan platform and users, the online loan industry has started a new model of standardized development, and the industry environment and the platform itself are gradually improving. As the compliance work continues to deepen, the formation of a new industry structure will not be far off!
The relevant information and diagrams used in this article come from the internet.
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