2019年12月16日

大型平安保险集团(Ping an Insur雷竞技推荐码怎么获得ance Group)的子公司陆金所(Lufax)和点融网(Dianrong.com)等领先平台都以宽松的条件提供信贷，通常是将借款人与愿意放贷的个人配对。2012年，中国的P2P借贷市场几乎为零，如今已成为全球最大的P2P借贷市场，这在一定程度上是由像彭这样精通技术的中国年轻人引领的，但坏账和欺诈的指控也随之增长。对中国债务螺旋式上升的更广泛前景的担忧，促使政府在2017年发起了一场运动，清理中国经济中基本上不受监管的庞大“影子”融资体系，P2P借贷就是受害者之一。去年，成千上万在P2P网贷中遭受损失的人声称监管松懈，在北京金融区举行抗议活动，导致大量警察出动阻止示威活动。中国央行11月底表示，自那以来，政府关闭提供商的速度加快，自去年以来，提供商的数量从约5,000家削减至仅1,490家。根据穆迪投资者服务公司(Moody's Investor 雷竞技 raybetService)的数据，未偿还的P2P贷款在大约两年前达到了超过1500亿美元的峰值，大致相当于乌克兰全年的国内生产总值(GDP)，但到11月底，这一数字降至770亿美元。更多的痛苦可能还在后面:穆迪本周表示，“陷入困境”的P2P平台数量也在飙升。雷竞技推荐码怎么获得数据挖掘公司艾媒咨询(iiMedia Research)首席分析师张毅表示，当局失去了对这一快速增长行业的控制。“最终，作为一种创新的、具有成本效益的资本利用方式，网络借贷不会消亡。但它必须回到其最初的宗旨，为信用数据可追踪的小企业和个人服务。” 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