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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