Yu Baicheng, president of the NetLoan House Research Institute, said that due to the requirements of the regulatory authorities in many places to control the scale of online lending platforms, in order to reflect the spirit of regulation, the rating has adjusted the weight of the first-level indicators, and once again lowered the weight of the transaction points and popularity points. The weights of both indicators have been reduced to 12 percentage points; at the same time, the background strength of the online lending platform may be a more important consideration for online lending platforms to complete the filing, and the weight of the brand points will be adjusted to increase by 3 percentage points.

In addition, a number of recent new policies, once again mentioned that the new business shall not exceed the requirements of the loan limit, and it is clear that it can not carry out the net worth standard business. Therefore, the ratings of the Home of the net credit increased the weight of the secondary indicators in the loan limit, reducing the platform's compliance with the net worth standard business.

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December 2017 Online Lending Platform Development Index Rating Table (click on the image to see a larger version)

p>The above ratings are compiled based on the transaction data of more than 1,000 platforms in the last three months collected in the database of the home of online lending, rating 300 platforms that meet the conditions for inclusion in the database, and publicizing the top 100 platforms ranked in descending order of the development index. The rating indicators are many, the platform data integrity requirements are high, some well-known platforms can not participate in the rating because of incomplete data and information access.

Time, Investment Banking, Baoxiang Finance, Huiying Jinfu, and Maijinfu Wealth did not enter the top 100 in this rating, so they will not be displayed; due to the data interface problem, the rating will not be displayed in this period.

December P2P industry overview and January market judgment

Central Bank, CBRC issued new regulations to rectify "cash loans"

Zhejiang, Jiangsu have introduced P2P filing rules (draft)

Following the release of local P2P filing rules by the major online lending cities of North, South, Zhejiang, and Jiangsu,

After the release of local P2P filing rules, online lending cities have issued local P2P filing rules. P2P filing rules, the other two regions with the highest degree of online lending development released online lending filing drafts for comment on December 18th and 29th. So far, the top five provinces and cities in terms of the scale of online lending development have all released online lending filing rules for comment.

Net lending industry, the platform will be filed in 2018.

In 2017, the transaction volume of the online lending industry reached 280.4849 billion yuan, an increase of 35.9% compared with 2016 (206.3872 billion yuan), with a significantly lower growth rate than in 2016.In 2017, the loan balance was on a steady upward trend. By the end of 2017, the loan balance had reached RMB1224.587 billion. Affected by regulatory policies, the development of the online lending industry in 2017 showed a slowdown.

In addition, it is worth mentioning that the annual Spring Festival is also the most tense time for funds. Investors need to choose popular platforms to avoid the collapse of small investment platforms due to capital chain problems, resulting in capital loss.

Representative P2P platform review

Peer-to-peer lending

Rise in rank.In December 2017, Renren's loan transaction volume increased by 22% sequentially, the number of people investing increased by 45% sequentially, and the transaction points and popularity points increased. The growth in loan balances on the platform led to a drop in leverage points.

Fu

Decline in rankings. As Golden Deer's service turnover and popularity points are at the top of the ratings list, the importance of turnover and popularity declined during the regulatory overhaul along with scale control. Following the adjustment of the Tier 1 Index weightings, Golden Deer's service ranking has been passively reduced by one place.

Tuandai.com

Rise in rank. in December 2017, the average borrowing term of TuanLoan.com lengthened by about four months compared with November, resulting in a decrease in the platform's liquidity points. the net bidding scale in December was about 1.7 billion yuan, with a decrease in compliance points. However, as Tuanluan.com has become more closely linked to listed company Hongte Precision, public perception has been greatly affected

Rise in rank. Xin Kai's online lending transaction scale is not large. in December, the platform's transaction volume and number of investors increased by 30% from a year earlier, with both turnover and popularity points rising. At the same time, the platform's brand score is high. Multiple factors overlap, resulting in a higher ranking for the platform in this period.

Hengrong

For new platforms. Ever Rong is an online lending platform of Ever Rong. The platform has a monthly transaction volume of about 1.1 billion yuan and a high transaction score. The number of investors and borrowers is 5,000 and 13,000 respectively, with average popularity. The platform focuses on personal credit loans with good diversification and loan amount. The platform has completed the bank depository business, and the depository bank is Guizhou Bank.

Federal Reserve System

Rise in rank. The platform's bank depository system with Hengfeng Bank is officially online, and the compliance points have increased significantly. In addition, the platform's transaction volume increased by 11% YoY, and the number of investors and borrowers increased, corresponding to an increase in project scores. The overall ranking rose.

Fate

Ranking decline. in December 2017, the transaction volume of Wealth Planet (formerly Yinke.com) dropped 25% YoY, and the transaction points decreased. There was an overage of target loans and fewer compliance points.

Jubilee

Ranking Decrease.In December 2017, Jubilee's transaction volume decreased by 13% YoY, the number of investors and borrowers decreased YoY, and the corresponding project score decreased. If the platform is exposed to overdue projects, the brand score will be reduced.

Bureau Ben

For new platforms. The platform's single-month turnover in December was about 400 million yuan, with about 5,000 investors and borrowers, and the platform's popularity score was low.1 The proportion of outstanding amounts for the top 1 borrowers declined, and the dispersion score rose significantly. Letter has improved, making the transparency score higher than the previous period.

Related Q&A: related Q&A: does online lending affect creditworthiness, how to check your online creditworthiness?

Whether online lending affects credit mainly to determine whether the online lending platform has intervened in the online lending platform

If the online lending platform access to the credit system, authorize the agency to query the credit, individuals applying for online lending will generate a credit record displayed in the credit report, the due date of non-payment will be included in the blacklist to affect the personal credit;

If the online lending platform does not have access to the credit system, the agency is unable to retrieve the applicant's overdue records and therefore will not appear in the credit report, so it does not affect personal credit. Some online lending platforms *** enjoy online lending blacklist system, after the overdue may be online lending blacklist affects you to apply for a loan again online lending

2015-2018 early P2P in the domestic full outbreak of the barbaric growth of the situation. So most of the P2P online loans are not on the credit. Similar to the private pick up lending, will not form the record of the central bank credit, of course, there is no overdue and other bad credit appear on the personal credit report.

But there is a blacklisting mechanism, p2p and private lending process, if overdue, maliciously defaulted on the loan, then the creditor can go to court against the malicious defaulter.

In 2013, China promulgated the Several Provisions on Publication of Information on the List of Unfaithful Executors. In the provisions, after the court judgment still refuses to repay the defaulter will be the court to the community to publish their detailed personal information, personal information once published by the court, the delinquent has been on the blacklist of defaulters. After being on the blacklist, the default information will be displayed in the personal credit report and become a record of bad credit.

How can an individual check big data credit

Personal credit data is mainly distributed in large organizations such as the People's Bank of China, personal credit bureaus, telecommunication carriers, and consumer financial service providers, and no single source of data can completely do an accurate assessment.

In addition to this, you can also check through Sesame Credit, Tencent Credit, Pengyuan Credit, Qianhai Credit, Huadao Credit, Lakala Credit, Zhongcheng Credit, and Zhongzhicheng Credit platforms that have personal credit licenses.

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