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以空间换时间:P2P的困局与破局

来源: 南方日报网络版     时间: 2019年08月19日 09:28:33
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(头)(部)(平)(台)(尚)(且)(如)(此)(,行)(业)(数)(据)(更)(不)(必)(说)(。2018年)(6-10月)(,P2P行)(业)(月)(度)(借)(款)(人)(和)(出)(借)(人)(降)(幅)(分)(别)(为)(39.57%和)(44.32%。在)(整)(个)(消)(费)(金)(融)(行)(业)(仍)(然)(保)(持)(快)(速)(增)(长)(的)(背)(景)(下)(,借)(款)(人)(数)(量)(的)(快)(速)(下)(降)(并)(非)(源)(于)(外)(部)(因)(素)(,而)(是)(P2P平)(台)(主)(动)(限)(流)(的)(结)(果)(,即)(巧)(妇)(难)(为)(无)(米)(之)(炊)(。
作)(为)(信)(息)(撮)(合)(中)(介)(,出)(借)(人)(规)(模)(决)(定)(了)(P2P平)(台)(的)(放)(贷)(资)(金)(规)(模)(,出)(借)(人)(数)(量)(的)(持)(续)(下)(降)(于)(P2P平)(台)(而)(言)(,无)(异)(于)(釜)(底)(抽)(薪)(,持)(续)(削)(弱)(平)(台)(的)(发)(展)(根)(基)(。
一)(是)(放)(贷)(能)(力)(下)(降)(,核)(心)(业)(务)(萎)(缩)(。出)(借)(人)(数)(量)(下)(降)(直)(接)(带)(来)(资)(金)(净)(流)(出)(的)(局)(面)(,此)(时)(,有)(限)(的)(资)(金)(往)(往)(被)(优)(先)(用)(于)(债)(转)(项)(目)(,以)(确)(保)(出)(借)(人)(的)(顺)(利)(退)(出)(,缓)(解)(出)(借)(人)(的)(恐)(慌)(情)(绪)(。借)(款)(人)(的)(新)(增)(需)(求)(优)(先)(级)(延)(后)(,得)(不)(到)(满)(足)(,必)(然)(涌)(向)(消)(费)(金)(融)(公)(司)(、小)(贷)(公)(司)(等)(机)(构)(。一)(出)(一)(进)(之)(间)(,P2P在)(消)(费)(金)(融)(行)(业)(的)(参)(与)(度)(和)(影)(响)(力)(会)(持)(续)(下)(降)(。
二)(是)(发)(展)(根)(基)(被)(削)(弱)(,平)(台)(元)(气)(大)(伤)(。基)(础)(不)(牢)(,地)(动)(山)(摇)(。借)(款)(人)(是)(P2P平)(台)(的)(衣)(食)(父)(母)(,放)(贷)(能)(力)(的)(下)(降)(直)(接)(带)(来)(营)(收)(能)(力)(下)(降)(,为)(了)(活)(下)(去)(,平)(台)(倾)(向)(于)(压)(降)(成)(本)(,降)(薪)(、裁)(员)(等)(问)(题)(也)(随)(之)(而)(来)(,并)(伴)(随)(着)(核)(心)(人)(才)(流)(失)(,动)(摇)(了)(发)(展)(的)(根)(基)(。即)(便)(平)(台)(能)(够)(缓)(过)(来)(,最)(终)(拿)(到)(备)(案)(,也)(已)(经)(元)(气)(大)(伤)(了)(。
三)(是)(平)(台)(营)(收)(能)(力)(的)(下)(降)(,反)(过)(来)(会)(进)(一)(步)(削)(弱)(出)(借)(人)(信)(心)(,导)(致)(出)(借)(人)(加)(速)(出)(逃)(,形)(成)(恶)(性)(循)(环)(。
种)(种)(迹)(象)(显)(示)(,市)(场)(中)(不)(少)(P2P平)(台)(已)(经)(陷)(入)(上)(述)(恶)(性)(循)(环)(的)(漩)(涡)(之)(中)(,业)(务)(下)(降)(、人)(才)(流)(失)(、出)(借)(人)(出)(逃)(……
以)(空)(间)(换)(时)(间)(:输)(出)(资)(产)(,断)(臂)(自)(救)(
该)(怎)(么)(办)(呢)(?
首)(要)(的)(一)(点)(是)(积)(极)(配)(合)(备)(案)(检)(查)(,拿)(到)(备)(案)(,才)(能)(有)(效)(挽)(回)(出)(借)(人)(信)(心)(,中)(断)(整)(个)(恶)(性)(循)(环)(的)(链)(条)(。
问)(题)(是)(,时)(间)(恐)(怕)(不)(够)(。根)(据)(2018年)(8月)(全)(国)(P2P网)(贷)(整)(治)(办)(下)(发)(的)(《关)(于)(开)(展)(P2P网)(络)(借)(贷)(机)(构)(合)(规)(检)(查)(工)(作)(的)(通)(知)(》相)(关)(要)(求)(,备)(案)(工)(作)(大)(致)(分)(为)(三)(步)(:
一)(是)(历)(经)(自)(查)(、自)(律)(检)(查)(和)(行)(政)(核)(查)(等)(三)(轮)(核)(查)(,以)(2018年)(12月)(底)(为)(截)(止)(日)(期)(;
二)(是)(符)(合)(条)(件)(的)(平)(台)(获)(准)(接)(入)(信)(息)(披)(露)(和)(产)(品)(登)(记)(系)(统)(,试)(运)(行)(一)(段)(时)(间)(,具)(体)(时)(长)(未)(知)(;
三)(是)(条)(件)(成)(熟)(的)(机)(构)(按)(要)(求)(申)(请)(备)(案)(。
最)(乐)(观)(估)(计)(,上)(述)(步)(骤)(走)(完)(,至)(少)(还)(要)(大)(半)(年)(的)(时)(间)(。于)(平)(台)(而)(言)(,需)(要)(和)(时)(间)(赛)(跑)(,在)(拿)(到)(备)(案)(前)(要)(想)(方)(设)(法)(保)(住)(平)(台)(持)(续)(经)(营)(的)(基)(本)(盘)(面)(,即)(借)(款)(人)(、出)(借)(人)(等)(用)(户)(基)(础)(和)(相)(对)(稳)(定)(的)(员)(工)(队)(伍)(。
出)(借)(人)(的)(流)(失)(是)(必)(须)(接)(受)(的)(客)(观)(趋)(势)(,可)(以)(延)(缓)(但)(难)(以)(扭)(转)(。在)(当)(前)(的)(行)(业)(环)(境)(下)(,吸)(引)(新)(用)(户)(的)(成)(本)(大)(增)(,留)(住)(老)(用)(户)(相)(对)(容)(易)(,不)(断)(提)(高)(老)(用)(户)(的)(复)(投)(率)(就)(成)(为)(重)(点)(工)(作)(。据)(微)(贷)(网)(在)(招)(股)(说)(明)(书)(中)(披)(露)(,2018年)(上)(半)(年)(,复)(投)(出)(借)(人)(贡)(献)(了)(95%的)(放)(贷)(资)(金)(,某)(种)(程)(度)(上)(表)(明)(新)(用)(户)(获)(取)(之)(难)(。2018年)(下)(半)(年)(,新)(用)(户)(获)(取)(难)(度)(进)(一)(步)(加)(大)(,老)(用)(户)(的)(贡)(献)(率)(预)(计)(进)(一)(步)(提)(升)(。
员)(工)(队)(伍)(的)(稳)(定)(性)(取)(决)(于)(营)(收)(的)(稳)(定)(性)(,而)(营)(收)(的)(来)(源)(则)(是)(借)(款)(人)(。既)(然)(没)(有)(足)(够)(的)(资)(金)(满)(足)(借)(款)(人)(需)(求)(,平)(台)(还)(可)(效)(仿)(金)(融)(科)(技)(开)(放)(平)(台)(,将)(借)(款)(人)(撮)(合)(给)(各)(类)(资)(金)(充)(足)(的)(持)(牌)(机)(构)(,即)(发)(掘)(B端)(资)(金)(。以)(小)(赢)(科)(技)(为)(例)(,据)(招)(股)(说)(明)(书)(披)(露)(,截)(至)(2018年)(6月)(30日)(,公)(司)(投)(资)(者)(和)(机)(构)(融)(资)(伙)(伴)(贡)(献)(了)(15.8%的)(资)(金)(。
问)(题)(是)(,2018年)(6月)(份)(以)(来)(,B端)(资)(金)(在)(纷)(纷)(远)(离)(P2P平)(台)(。不)(难)(理)(解)(,爆)(雷)(潮)(后)(,P2P平)(台)(不)(确)(定)(性)(大)(增)(,B端)(资)(金)(追)(求)(安)(全)(第)(一)(,并)(不)(如)(个)(人)(资)(金)(那)(般)(稳)(定)(,虽)(然)(个)(人)(资)(金)(也)(受)(情)(绪)(影)(响)(。B端)(资)(金)(的)(“逃)(离)(”,说)(明)(市)(场)(对)(于)(P2P平)(台)(的)(机)(构)(信)(用)(缺)(乏)(信)(心)(,此)(时)(,拓)(展)(B端)(资)(金)(,难)(度)(要)(远)(远)(高)(于)(个)(人)(资)(金)(。
于)(P2P平)(台)(而)(言)(,筹)(不)(到)(资)(金)(,资)(产)(能)(力)(萎)(缩)(。与)(其)(任)(由)(借)(款)(人)(自)(然)(流)(失)(,倒)(不)(如)(主)(动)(把)(借)(款)(人)(导)(流)(给)(持)(牌)(金)(融)(机)(构)(,赚)(个)(流)(量)(费)(。借)(款)(人)(是)(P2P平)(台)(的)(核)(心)(资)(产)(,如)(此)(操)(作)(,难)(免)(有)(饮)(鸩)(止)(渴)(之)(嫌)(,不)(过)(在)(需)(要)(以)(空)(间)(换)(时)(间)(的)(特)(定)(时)(期)(,未)(尝)(不)(是)(一)(种)(断)(臂)(求)(生)(的)(活)(命)(方)(法)(。
除)(此)(之)(外)(,还)(可)(以)(引)(入)(有)(实)(力)(的)(股)(东)(,以)(股)(权)(换)(时)(间)(。2018年)(下)(半)(年)(以)(来)(,不)(少)(P2P平)(台)(选)(择)(带)(血)(IPO上)(市)(,某)(种)(程)(度)(上)(,也)(有)(这)(个)(效)(果)(。
前)(景)(展)(望)(
凡)(事)(都)(有)(两)(面)(,困)(境)(尤)(其)(如)(此)(,过)(不)(了)(这)(个)(坎)(,是)(侧)(畔)(沉)(舟)(,过)(了)(这)(个)(坎)(,便)(是)(柳)(暗)(花)(明)(。
自)(2007年)(国)(内)(成)(立)(了)(第)(一)(家)(P2P平)(台)(,在)(短)(短)(十)(年)(时)(间)(内)(,P2P行)(业)(起)(起)(伏)(伏)(,不)(乏)(大)(起)(大)(落)(,算)(是)(见)(过)(不)(少)(大)(世)(面)(。骗)(子)(们)(自)(不)(必)(提)(,对)(意)(欲)(长)(远)(发)(展)(的)(从)(业)(者)(而)(言)(,P2P一)(直)(缺)(乏)(一)(个)(“合)(规)(”的)(身)(份)(,可)(能)(是)(一)(种)(深)(入)(骨)(髓)(的)(遗)(憾)(。
P2P爆)(雷)(潮)(的)(出)(现)(,于)(平)(台)(正)(常)(经)(营)(而)(言)(,是)(一)(种)(暴)(击)(;于)(平)(台)(获)(得)(合)(规)(身)(份)((备)(案)()而)(言)(,也)(是)(一)(个)(催)(化)(剂)(和)(加)(速)(器)(。这)(大)(概)(可)(以)(算)(爆)(雷)(潮)(送)(给)(P2P平)(台)(的)(礼)(物)(和)(馈)(赠)(。
只)(是)(,谁)(能)(得)(到)(这)(种)(馈)(赠)(呢)(?
作)(者)(:薛)(洪)(言)(,苏)(宁)(金)(融)(研)(究)(院)(互)(联)(网)(金)(融)(中)(心)(主)(任)(来)(源)(:洪)(言)(微)(语)(返)(回)(搜)(狐)(,查)(看)(更)(多)(
责)(任)(编)(辑)(:
)


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