网络小贷门槛陡升行业洗牌在即 P2P转型更难了

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11月2日,银保监会和央行发布《网络小额贷款业务管理暂行办法》(征求意见稿),对网络小贷亚博app官网施加“紧箍咒”,小贷行业面临洗牌。业内人士认为,一方面,管理办法使小贷亚博app官网的申请门槛进一步提高,网贷(P2P)平台转型之路难度加大;另一方面,对一些互联网+机构而言,受出资比例限制,联合贷款业务将受到较大影响。

新规有利市场规范化发展

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类金融业务受冲击

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联合贷款业务可谓近年来互联网+机构与银行等发展迅猛的合作业务。银行出资金,互联网+机构则以平台流量数据和风控作为合作要素,双方各取所需。类似互联网机构除了蚂蚁集团,还包括京东数科、度小满金融以及小米金融、陆金所等。

JIANGHANBIAOSHI,LIANHEDAIKUANCHUZIXIANZHIBILIXINGUINEIRONG,JIANGTUIDONGZHENGGEHULIANWANGJIGOUYUYINXINGHEZUOFANGDAISHICHANGDEJINYIBUXIPAI,DUIYUANXIANDESHICHANGMOSHIJINXINGYICICHEDIDEZHONGZU。


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