Financial Management: P2P Investors Entangled To Go And Stay

P2P net loan industry yield level continued to decline, so that investors encountered difficulties in the selection of investment platform; that side, P2P net loan platform "pay cut tide" quietly, many P2P practitioners began to complain about salary began to decline...... Then, what will be the impact of the downward trend of the industry's yield and what will be the impact on the parties concerned? Why is the salary level lowered? Is it good or bad for the industry?

"Platform" Rate of return I want to drop it once again. " At the beginning of the new year, P2P platform investors have made similar remarks at the forum.

Before and after the Spring Festival, it is the rush hour for all kinds of financial institutions to fight for year-end awards, and the P2P net loan industry is no exception. However, the downward rate of return has made investors have doubts when choosing investment channels.

The head of a P2P platform in Shenzhen said that its platform is also in the process of lowering the rate of return, but it also needs to examine the reaction of investors.

According to the statistics of net loan home, in January 2016, Net loan industry The composite yield was 12.18%, a decrease of 27 basis points from last month, and a drop of nearly 3 percentage points compared with the same period in January 2015. In January 2015, the comprehensive yield of net loan industry was 15.81%.

The explanation given by the stakeholders of the net loan home is that the net loan industry has undergone tremendous changes in January 2016, and some regions have tightened their mutual gold business registration. This measure has promoted the standard development of net loan industry to a certain extent. At the same time, the major platforms also accelerated the depository management of investors and borrowers' funds, forming customers. capital In the context of protection expectation and the decline of risk compensation, the comprehensive yield of net loan industry has been reduced.

"Recently, we also intend to adjust the rate of return." The head of a P2P platform in Shenzhen said that in fact, the yield on the platform has decreased since last year, and this year it may make some adjustments according to the industry trend. In the case of lower market interest rates, the P2P industry is also hard to maintain high returns, especially in the absence of high-quality assets in the market.

"Reducing the yield is a trend, and we will definitely reduce it." Another P2P platform leader in Shenzhen said that its platform may adjust the yield in March, but the platform will also look at the volume of investment in the platform and the investor's investment level.

Net loan home in the previous release of the 2016 P2P net loan industry outlook, said that due to the macroeconomic pressure, the overall capital side is relatively loose; the industry system is constantly standardized, information disclosure is gradually transparent and perfect, and the risk compensation is also gradually reduced; in addition, compared with the investors, quality assets are getting more and more difficult, and the supply of funds is larger than the development of capital demand, which has promoted the continuous decline of P2P net loan yield. In 2016, the overall yield of P2P net loan industry still has a downward pressure, but the decline will narrow, and is expected to be 10%~11%.

Recently, discussions on yield rates are constantly emerging in forums or discussion areas of all third party platforms.

"LiuPN" posting on the platform of the net loan home platform said, "the era of net loan platform expanding by high income is coming to an end. Our investors are imperceptibly forced to accept this fact. It is also sad. On the one hand, we really need to consider whether we should follow the policy to change our investment strategy.

Investors on the P2P platform also say that interest rates are so low that they do not expect P2P to yield too much.

Liu Zhe, COO of union gold, told reporters that the rate of return on P2P has not ended. Especially for the platform with scarce assets, the rate of return is inevitable. The reduction of yield in financial products is partly due to the decline in interest rates on loan projects. In a sense, this is also a good thing. The cost of borrowing is reduced and the cost of social financing is reduced, which is conducive to the recovery of the real economy. The two is a benign complementary relationship. For investors, the rationalization of P2P yield is also a good thing, and the corresponding risk has declined. For the platform itself, after the bid farewell to the high yield, passengers and financing will be affected to a certain extent. This is a new problem.

Li Yugang, vice president of good financial management, said, "our customer service department has conducted a sample survey of some customer groups. Reducing the yield of the platform is bound to affect the profits of the customers, but it can also be understood and accepted by users as rational investors. Only if the platform continues to be stable and profitable, will the investment customers have a steady income, and the customers who finance US will also reduce pressure and better promote the lending cycle. After that, we will adjust the rate of return to a reasonable level according to our own development and market conditions.