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P2P行业价格战硝烟渐起 风控现危机

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2014-10-15 05:18:44 转载来源: 网络整理/侵权必删

北京商报讯(记者 闫瑾) 随着金融机构、风投大佬、上市公司等越来越多机构进入到P2P行业,原本草根和零散的金融业态竞争越来越激烈。北京商报记者注意到,P2P行业无论从投资端还是融资端都已经出现价格战的苗头,有业内人士表示,由于行业门槛低,目前各路机构仍在不断地涌进P2P行业,未来半年可能将掀起更大规模的价格战,也有不少人士担心,价格战可能牺牲掉风控

北京商报讯(记者 闫瑾) 随着金融机构、风投大佬、上市公司等越来越多机构进入到P2P行业,原本草根和零散的金融业态竞争越来越激烈。北京商报记者注意到,P2P行业无论从投资端还是融资端都已经出现价格战的苗头,有业内人士表示,由于行业门槛低,目前各路机构仍在不断地涌进P2P行业,未来半年可能将掀起更大规模的价格战,也有不少人士担心,价格战可能牺牲掉风控

北京商报记者注意到,P2P行业的竞争开始逐渐激烈,如同城银行项目竞争已经开始慢慢体现,部分平台为了获得项目不惜降低对抵押物、折扣率等让步。一位不愿透露姓名的P2P行业内人士告诉北京商报记者,一些体量相似的P2P平台会采取压缩自身管理费、提高同类项目收益的方式与对手竞争。

在浏览一些P2P平台网站时,北京商报记者发现不少平台给予的项目收益不简简单单是X%,而是变成了X%+1%,通过如此的价格竞争来吸引投资者。

翼龙贷董事长王思聪认为,P2P行业的价格战更多是降低投资人的收益,同时平台进行一些收益奖励来吸引投资者。现在财团大佬、上市公司都已经进入这一行业,不少平台也获得了风投的青睐及融资,如此一来行业的竞争会更激烈。

银客网创始人林恩民接受北京商报记者采访时表示,引发价格战的诱因有两个,一个是行业资本大量的涌入和行业产品同质化严重。随着越来越多的互联网金融公司宣布获得融资,这一行业或将迎来转折。虽然P2P市场很大,但是单个品类谁都不允许对手比自己强,所以在这个市场上开打价格战是必然的,相信价格战可能会在未来半年左右开始上演。

“行业的洗牌还在继续,目前国内经济还处在盘整期,企业还需要靠大量的借贷来维持,这样的话市场需求还是很大的,所以价格战可能在今年底或者明年上半年开始。”王思聪认为。

但是,也有不少人士认为,竞争固然存在,如果是“价格战”可能很多平台不见得能打得起。据了解,目前不少纯线上的P2P平台尚未实现盈利,价格战则需要一定的资金支撑。

P2P平台理财范COO、中国人民大学国际并购与投资研究所所长助理叶映辉直言,价格战表面上来看是为了去争夺项目,实际上是平台在基础资产构成、风险定价、项目行业选择盲目性的表现,缺乏真正的理解和独立思考。

叶映辉补充道,从价格角度来看,融资价格与费率是反映信贷投放供需关系的重要指标。互联网金融作为传统金融的重要补充和延伸,本身的价格形成机制和传统金融是有联系也有区别的。但这不意味着平台需要降低融资费率去争取所谓的优质项目。

理财范CEO申磊也同样认为,对于P2P行业依靠价格战争夺项目是一个途径,但不是惟一的竞争点。融资后续的配套服务,比如平台融资速度、资金流转效率、对借款行业理解等都会影响融资企业对平台的选择,担心一些平台竞争以牺牲风控水平为代价。

标签: P2P 行业 价格战 硝烟 渐起 风控 危机


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