In the past 20 14, P2P online lending has undoubtedly become the hottest field among all emerging Internet financial formats. First, a large amount of capital poured in, and the trading volume of investors increased sharply. However, the industry competition that followed also broke out at this time and entered a white-hot state. P2P online lending is developing rapidly and the market competition is fierce, but it is an indisputable fact that risk management is always the most fundamental lifeline of online lending platform.
With the central bank's regulatory policy on P2P platform becoming clearer and clearer, P2P platform prefers the credit enhancement function and policy supervision background of commercial banks. Many platforms have "abandoned" third-party payment and turned to commercial banks. CITIC Bank and CreditEase signed a strategic cooperation agreement, announcing that they will cooperate in various fields such as fund settlement supervision and big data finance. This is regarded as the official beginning of the competition between commercial banks and third-party payment in the field of online loan fund custody. With the emergence of financial innovation, P2P online lending institutions have also become potential partners of property insurance companies. In addition to providing traditional accident insurance, property insurance and account fund insurance for P2P institutions, credit insurance and guarantee insurance have become important channels for innovation.
Interview with financial CEO He Yucheng.
Point out the "close connection" between wealth management and insurance, and attract online lending centers to watch.
At present, P2P industry supervision is the general trend, and the voice of "de-guarantee" is getting louder and louder. Recently, the cooperation mode between insurance companies and P2P platform has become a new exploration mode for P2P platform to spread risks. On February 3, 20 15, Shenzhen Qianhai open sesame Financial Services Co., Ltd. (Xiaoxiao Wealth Management) signed a strategic cooperation agreement with Bank of China Insurance Co., Ltd. As for the cooperation project with Bank of China Insurance, He Yucheng, CEO of Diandian Finance, said that in the case that the individual borrower or corporate borrower on Diandian Financial Platform could not repay the loan principal and interest in time and the first guarantor of the loan was not enough to pay in advance, Moreover, the risk reserve used in finance is not enough to pay in advance. BOC Insurance will assume the responsibility of insurance compensation, provide "compound interest security" for investors' funds, and minimize investors' risks!
Cooperation with P2P insurance institutions has improved the safety of investors' funds? Zhang, CEO of online lending center, believes that P2P risk management and control is a difficult point, and the borrower's credit system is not perfect. After long-term operation and experience accumulation, insurance companies have strong risk awareness and professional risk control ability. At the same time, insurance companies have many advantages such as wide business scope, huge assets, wide geographical coverage and strong risk control ability. These are the promising points for P2P companies to cooperate with them.
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