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全国首份大学独立统计的P2P网贷行业报告显示四成平台有问题

来源:网贷资讯聚集地 时间:2017-09-06 标签:

全国首份大学独立统计的P2P网贷行业报告显示四成平台有问题

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  日前,浙江大学发布了一份《砥砺前行,守得云开?—— 2016中国P2P网贷行业大起底》学术报告。这也是全国第一份由大学独立搜集数据、统计分析的P2P网贷行业报告。

A few days ago, the contention was forward by Zhejiang University that every cloud has opened? ——2016 Chinese P2P network academic report at the end of the credit industry. This is also the first report by the independent data collection, statistical analysis of P2P networks and loan industry report.

  报告显示,截至2015年12月底,全国共有P2P网贷平台3330多家,相比于2010年底的16家增长了200多倍。这些网贷平台中,正常运行的有1880家,问题平台有1450家,问题率高达43.5%。所谓的“问题平台”是指出现提现困难、停业清盘、跑路诈骗等非正常运营现象的平台。这些问题平台平均寿命0.7年,仅为正常平台平均运营时间(1.4年)的一半。

Reports show that at the end of December 2015, total lending platform for P2P network are over more than 3,330. Compared to 16 at the end of 2010 grew more than 200 times. The online lending platform, the normal operation of the 1880, problem platform 1450. The problem rate is 43.5%. The so-called "issues platforms" refers to cash difficulties have arisen, business liquidation, run fraud and other non-normal operational platform. These are 0.7 year average life, only normal average operation time (1.4 year ) in half.

  目前全国累计P2P网贷平台注册资本总额达1303.4亿元。在省市分布上,广东、北京、上海累计平台注册资本总额排名前三,注册资本总额约占全国总额的49.7%;注册资本1000万到5000万的平台约占一半,成为行业“标配”,注册资本在1000万元以下和一亿元以上平台的比例相对偏少,整体呈“倒U型”分布。

China lending platform for P2P network currently registered capital amounting to 130.34 billion yuan. Provincial distribution platform today, Guangdong, Beijing, Shanghai top three total registered capital. Total registered capital accounted for 49.7% of the total national. The platform accounted for about half of the registered capital of 10 million to 50 million becoming the industry "standard". Registered capital of RMB 10 million and 100 million Yuan or more platforms relatively low proportion of overall was "inverted U" distribution.

  但在“联姻潮”下我国P2P网贷行业中民营系仍具有压倒性优势,约占平台总数90%以上,国资系和风投系次之。

But in the "marriage boom" private P2P net loans in China under the Industry Department still has an overwhelming advantage, about total number of platforms 90%, followed by the State-owned assets system and VCs system.

  对于普通投资人而言,该如何选择平台?业内人士提醒,投资者要 “三看”。

For ordinary investors, how to choose the platform? Industry insiders remind investors to "three look".

  首先看该平台注册资金;再看运营时长,能够在长时间的市场“大浪淘沙”存活下来的公司自然会有过人之处;最后,看平台利率平台水平是否正常。一般的P2P网贷理财平台发布利率应在6%至13%之间。高收益与高风险是成正比的,如果收益率超过20%以上,一般都不太靠谱,投资者尽量回避。(记者:张苗 综合报道 陈雨薇/译)

First look at the platform and the registered capital. Then see operating hours can be in the market for a long time "in the sand" surviving companies will naturally have a genius. Finally, platform level of interest rates is working. General loan financing platform for P2P network release rate should be between 6% to 13%. High return and high risk is proportional. If yields more than 20% ,it is generally unlikely. Investors should try to avoid.

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全国首份大学独立统计的P2P网贷行业报告显示四成平台有问题

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