Under the epidemic situation, it is more difficult to collect online loans, and it is expected that the overdue rate of online loans will generally increase. The main manifestations are as follows: the collection staff should not go out, and the borrower will not pay attention to the door-to-door staff, which leads to the failure to implement the door-to-door collection method; Second, the epidemic has seriously damaged the real economy, and the delay in construction has greatly affected the repayment willingness and ability of the repayers and directly affected the collection efficiency.
According to reports, during the epidemic, some Lao Lai also played the routine of "pretending to be sick". They inserted thermometers into hot water, causing signs of high fever to show that they were in isolation and protection. Some borrowers took false isolation photos, indicating that they could not repay the loan and needed financial institutions to stop dunning or reduce installment payment.
The online lending platform will continue to withdraw or transform.
According to the statistics of online loan house, the cumulative number of platforms in the online loan industry is 66 12. By the end of February 20 19, the number of normal operating platforms had dropped to 343, and the cumulative number of closed and problematic platforms had reached 6,269.
At present, online lending institutions still focus on collecting risks. In fact, several institutions were making exit plans as early as several years ago. However, many institutions are still in a state of being unable to resume work due to the epidemic, and a lot of work cannot be carried out. Perhaps after the epidemic situation improves, there will be a wave of withdrawal of online lending institutions.
It is worth mentioning that during the epidemic, some institutions still announced their complete withdrawal. On February 1 1, Zhang Zhong Fortune announced that since the cancellation of online loan business on February 19 10/0, up to now, the loan balance of online loan users of Zhang Zhong Fortune has all been cleared and the online loan business has all been withdrawn.
In addition to quitting, some institutions are also planning to transform. In view of the transformation path of online lending institutions, some regulatory documents have made it clear that institutions with no serious violations of laws and regulations, good financial technology foundation and certain shareholder strength will be transformed into small loan companies. For a few institutions with strong capital strength and meeting regulatory requirements, they can apply for restructuring into consumer finance companies or other licensed financial institutions. However, under the epidemic situation, the transformation process of most institutions has been delayed, which has also caused great difficulties in post-lending work.
In the past two years, China's P2P online lending industry has experienced a mushrooming initial development period, a rapid expansion period of barbaric growth and a stormy risk outbreak period, and entered a period of policy adjustment.
P2p online lending industry in China began to appear in 2007, and has developed rapidly since then. In 20 18, China's online loan penetration rate ranked first in the world, and China's online loan transaction volume ranked first in the world, reaching178.9 billion US dollars.
However, due to the lack of P2P industry supervision before 20 16, a large number of problem platforms for illegal operation have been bred. Subsequently, the regulatory policy was introduced, the policy was tightened, the capital chain of the problem platform was broken, the P2P online lending industry broke out frequently, and a large number of investors lost their money.
Related Questions and Answers: Related Questions and Answers: Is China's debt ratio the highest in the world? Can all online lending credit platforms be closed? Thank you for your question:
Only by ending the "siphon effect" of capital on social consumption wealth can the fertility of the population be enhanced.
Life is endowed with the natural material combination form of reproductive ability+growth cycle+a little damage self-healing function. However, when nature creates living matter, it does not lock the whole growth track of life. The real growth of every natural life, in addition to the basic growth form, physical characteristics and nutrition supply mode, requires individuals to adapt independently after birth.
Humans are the smartest advanced mammals in the natural life system. In the natural life system, only human beings have evolved systematic and abstract achievements of social civilization, only human beings have the ability to transform the natural material combination form through large-scale similar division of labor and cooperation, and only human beings can improve the food supply structure by domesticating and sowing plants and taming captive animals ..... However, human social survival has not broken through the shackles of the natural "survival food chain", and everyone must obtain the materials to maintain life operation through labor.
Farmers and herdsmen sow grain+keep livestock in captivity, workers process human daily necessities, businessmen connect the supply and demand of social consumption materials, and the state public power ensures that people's legitimate labor income will not be illegally occupied ..... According to the principle of more work and fairer distribution, mankind will certainly build a paradise version of the world. But human nature is greedy and selfish, and very few people who have the right to distribute the dominant rights and interests of human consumption wealth always have inexhaustible selfishness.
Allocate yourself more natural resources, allocate the best natural resources to yourself, and do everything possible to ensure the steady growth of the resources you own ... The higher the evolution of human social civilization, the more complicated the interpersonal competition, and the powerful primitive ancestors of human beings will have an advantage in the distribution of prey+plant fruits, and they will be more wise & the powerful human ancestors will take an extra share for themselves in the distribution of farmland+residence+servants. In short, the higher the civilization of human society, the greater the gap between different people's dominant rights and interests in social consumption wealth, and the exploitation of labor value between people will become more and more secret.
The classic line of mountain thief in martial arts film and television works: "I opened this mountain and planted this tree." If you want to pass by, stay and buy money. " Since human beings began to practice using natural materials to make living AIDS+taming sowing plants+taming captive animals, their own labor productivity has been greatly improved, and more and more spare living materials have gradually appeared in human daily life. As a result, different human tribes began to rob the spare materials of life.
Plants that grow faster can get more sunshine and water and soil, and animals with stronger physical strength can occupy more territory and affiliated companions. Similarly, the struggle between human ancestors and tribes also produced relative leading groups and subordinate labor groups. According to historical records, China has had a systematic system of tribal division of labor and cooperation since the Shang Dynasty. Tribal leaders have absolute control over the natural resources and people's labor achievements within the jurisdiction of the tribe, while people in the tribe have the obligation to provide labor for the tribe in exchange for the preservation of their labor achievements.
With the continuous development and merger of human clans, the way that people provide direct labor obligations to serve the clan or the country can no longer meet the needs of social development. For example, the great Qin empire was destroyed because of the uprising that workers could not arrive at their workplaces on time. Therefore, China's ancient dynasties gradually replaced manual labor with land rent and tax burden, which became the main way for people to contribute to national development.
The state collects the "public security management service fee" enjoyed by the people in the form of tax burden, which also provides a model for powerful families to expand themselves by capital. Then, with the state collecting taxes in currency, the ancestors of Qianzhuang Modern Bank, which has the franchise right, began to make profits with the help of currency, thus the monetary and financial game of "Qian Shengqian" spread rapidly in the production, labor and life practice of human society.
Help you realize your dreams, live an ideal life, and help you ... Capital helps human beings to optimize the utilization efficiency of social productive labor resources and greatly enhance the overall income of productive labor in human society. But capital will not be used for free, and you will also take away some interest on surplus value when you are engaged in productive labor. If your labor productivity grows faster than the interest taken away by capital, then you can realize a happy life with the help of the power of capital "icing on the cake". However, the greed of capital is endless and the improvement of individual labor productivity is limited. Therefore, most people who want to use capital are finally trapped by capital.
With a certain population base, a certain productive labor resources and a certain range of productive labor capacity, we can roughly determine the total wealth that a particular human society can produce. If a country or region has more wealth resources lying in the accounts of the financial system, then the less wealth is left in the hands of the people for free consumption; If people in a country or region owe money to the financial system, the less money people can spend on raising their children and supporting the elderly, the lower the per capita fertility rate and support capacity of society. Therefore, only by eliminating the "siphon effect" of capital on social productive labor wealth and letting more social consumption wealth stay at home can we restore the ability of young girls who attach importance to family and have a reliable anchor for "common prosperity".