2019年12月16日

广告主要平台Lufax等巨头平安保险集团的一个子公司,和Dianrong.com——总部位于上海提供信贷以分期付款方式,通常是通过匹配借款人个人愿意放贷。领导的成群结队的年轻科技中国彭一样,中国的P2P借贷市场增加从2012年的几乎没有成为世界上最大的,但坏账和欺诈的指控。担忧更大格局的螺旋式上升的中国债务促使政府于2017年发起了一场运动,清理基本上不受监管的庞大体系“影子”融资在经济中,P2P贷款的伤亡。称监管松懈,成千上万的人失去了在P2P贷款去年在北京的金融区抗议,促使大量警力阻止示威。政府关闭供应商已经上涨步伐,削减数量自去年以来从大约5000年到1490年,中央银行在11月下旬。杰出的P2P贷款大约两年前达到顶峰,超过1500亿美元,大约是乌克兰的年度国内生产总值,但管理,收窄至770亿美元,据穆迪投资者服务。更多的痛苦可能在商店:穆迪本周表示,“陷入困境”P2P平台的数量也在上升。张艺谋,数据挖掘公司艾媒研究首席分析师表示,当局失去控制的快速增长的行业。“最后,在线贷款不会死作为一种创新的,具有成本效益的方式使资本的充分利用。但它回到它的原始目的服务的小型企业和个人的信贷数据是可跟踪的,”他说。 WEALTH MANAGEMENT Many platforms are looking survive by partnering with big financial institutions or transitioning to wealth-management products. Several leading P2P providers did not respond to AFP requests for comment. Lufax has said it would scale back its P2P lending. Zhang estimates less than 20 percent of platforms will successfully transform, with the remainder facing shutdown. He expects the turmoil to push more borrowers towards credit products offered by big e-commerce companies like Alibaba-affiliated online-payments giant Ant Financial, which operates a huge money market and a range of other financial services. The impact for many P2P customers will endure, however. Tales of desperate, indebted borrowers abound on China's internet. A 22-year-old borrower from the eastern province of Shandong told AFP she considered suicide after racking up debts of around 200,000 yuan to pay her rent and indulge in shopping. The shame sapped her "motivation to keep my life going," said the woman, who spoke on condition of anonymity, fearful of being tracked down by loan collectors. Chen Baihua, a 25-year-old from China's eastern Zhejiang province, ran up debts of around 130,000 yuan, which he also was eventually able to repay with the help of his displeased parents. The experience left him "traumatised", and his resulting poor credit rating may rule out future home mortgages or car loans. He now dedicates himself to running his family's business selling electronic chips wholesale, hoping to rehabilitate his credit. But he is on a short leash. "My parents said they would only help me out this one time. If it happens again, whether I live or die is not their concern," Chen said. "Easy money can easily eat you up." Advertisement