Internet - darling - butt joint P2P- Somebody likes somebody to disrelish.doc

Internet “ darling “ butt joint P2P? Somebody likes somebody to disrelish Lin Jianrong recently, platform of some Internet finance is rolled out anticipate year of note that converts yield to be as high as 8.8% to borrow product of kind of Internet finance conduct financial transactions, immediately draws each attention. From look on the yield of Internet banking product at present, can the second kills this product be afraid blame P2P not is belonged to. So, as “ darling “ of the product upgrade stage by stage, whether can the market lay the target P2P? “Everything sets out around user demand, do not eliminate all adding up to to make a likelihood. “ whether is the product that rolls out when after this be askinged about met platform of butt joint P2P, sina pays vice-president Li Yadan to be opposite “ daily of the first finance and economics “ the reporter makes as above respond to, say “ will roll out with bill is borrowed mode and concept are core, the property of Internet finance grain of formal diversification is tasted, the industry that form of this kind of conduct financial transactions will involve and industry will be more, for instance estate, car. “ and at present, already many P2P platform roll out a room to borrow, the car is borrowed wait for a product. It is with the first P2P exemple, in 3 old products of company, the room is borrowed, the car is borrowed and produce be in harmony to borrow. Anticipate year change yield 8.5% overtake to the interval as it happens of 15% bill borrows kind of product. So, whether can P2P platform take an examination of Lv and Internet finance platform to roll out the product of butt joint P2P jointly? He Shan of presiding apparitor of the first P2P is right “ daily of the first finance and economics “ the reporter expresses: “The purpose of P2P is to boost general benefit finance, include to hoist the income of unused capital, but we hope to through oneself a flow that control is done, take no account of a butt joint temporarily tripartite platform. “ it is the welcome of platform of finance of Internet of electric trade department to P2P product on one hand, it is P2P platform on the other hand the conservative mood to tripartite butt joint, why can always produce such difference with opening celebrated Internet finance platform? A personage inside course of study thinks: “The place of conflict depends on, p2P platform wants him to master user information, have those who had compared to the risk at the same time accuse. If fasten collaboration of Internet finance platform with electric business, be afraid this two respects can be affected. “ in addition, look from superintendency respect, while silver-colored inspect is encouraging innovation of P2P network platform to develop, also made clear superintendency bottom line, include among them “ must not get capital pool “ . And inside afore-mentioned course of study the personage looks, the P2P product program that pack is more, the possibility that involves capital pool is larger, the product is more opaque, touch superintendency risk also is jumped over tall. Although be opposite directly in P2P,receive a respect, each existence compares big difference, but in respect of conduct financial transactions of P2P remaining sum, the product that there already was kind of remaining sum treasure before this comes out. At the beginning of this year Feburary, the P2P below restful group division is leasehold place of platform land gold has taken the lead in rolling out business of kind of remaining sum treasure “ Liu Jinbao “ , namely the user is enlightened “ Liu Jinbao “ after the function, a money that invests product of conduct financial transactions will be automatic buy restful Dahuarizengli monetary market fund, anticipate year change yield 2% to 6% . Qianhaili is opposite analyst of assistant of ministry of finance of Internet of research center of Chinese electron business affairs “ daily of the first finance and economics “ the reporter expresses: “P2P and monetary fund roll out the reason of remaining sum conduct financial transactions to depend on, darling the prediction of a persons luck in a given year that platform faces user of first network conduct financial transactions, and the unused capital of P2P platform user is not little, bilateral demand agrees quite, resemble paying at the outset unused capital is much on treasure the logic like rolling out remaining sum treasure. “ article origin: Daily of the first finance and economics林建荣近日，某互联网金融平台推出预期年化收益率高达8.8%的票据贷类互联网金融理财产品，随即引来各方关注。从目前互联网金融产品的收益率上看，能秒杀该款产品的恐怕非P2P莫属。那么，随着“宝宝”产品的逐步升级，市场是否会把目标瞄准P2P？“一切围绕用户需求出发，不排除一切合作可能。”当被问及此后推出的产品是否会对接P2P平台，新浪支付副总裁李亚丹对第一财经日报记者作出如上回应，并称“将会推出以票据贷的模式和概念为核心，形式多样化的互联网金融理财产品，这类理财形式将会涉及到的产业及行业会更多，比如房地产、汽车等。”而目前，已有不少P2P平台推出房贷、车贷等产品。以第一P2P为例，公司三大产品中，就有房贷、车贷和产融贷。预期年化收益率8.5%至15%的区间正好赶超票据贷类产品。那么，P2P平台是否会考虑和互联网金融平台共同推出对接P2P的产品？第一P2P首席执行官何珊对第一财经日报记者表示：“P2P的目的是推进普惠金融，包括提升闲置资金的收益，但我们希望通过自己有把控的流程来做，暂时不考虑对接第三方平台。”一方面是电商系互联网金融平台对P2P产品的欢迎，另一方面是P2P平台对第三方对接的保守态度，素来以开放著称的互联网金融平台为什么会产生这样的分歧？一名业内人士认为：“冲突的地方在于，P2P平台想要自己掌握用户信息，同时对风险有比较好的把控。如果和电商系互联网金融平台合作，恐怕这两方面都会受到影响。”此外，从监管方面看，银监会在鼓励P2P网络平台创新发展的同时，也明确了监管底线，其中就包括“不得搞资金池”。而在上述业内人士看来，P2P产品包装程序越多，涉及资金池的可能性就越大，产品越不透明，触及监管的风险也越高。虽然在P2P直接对接方面，各方存在比较大的分歧，但在P2P余额理财方面，此