贷款利率降低对p2p影响

⑴ P2P缃戣捶骞冲彴鍙堥檷鎭锛屽師鍥犳槸浠涔

浜掕耽閲戣瀺涓烘偍瑙ｇ瓟銆

P2P骞冲彴闄嶆伅骞舵病鏈夌洿鎺ュ師鍥狅紝鑰屽彧鏈変竴浜涘㈣傜悊鐢便傚綋鐒讹紝瀵逛簬杩芥眰楂樻敹鐩婄殑鎶曡祫浜鸿岃█锛孭2P闄嶆伅鐪熺殑鏈変簺闅句互鎺ュ彈銆傝櫧鐒舵湁浜涙棤濂堬紝浣嗗張蹇呴』鎺ュ彈锛岃繖灏辨槸甯傚満鐜澧冿紝涓嶆槸璋佷竴涓浜哄氨鑳芥敼鍙樸

鎺ヨ繎骞村簳锛屽浗鍐呬笉灏慞2P骞冲彴鍏堝悗闄嶆伅锛屽钩鍧囬兘涓嬭皟2%宸﹀彸銆傚叾涓锛屽叧浜庨檷鎭鍘熷洜锛屽钩鍙扮粰鍑虹殑鐞嗙敱鍩烘湰閮芥槸锛屼负闄嶄綆鍊熸句汉铻嶈祫鎴愭湰锛屼负骞冲彴鍋ュ悍绋冲畾鍙戝睍鑰冭檻銆

P2P鏀剁泭鐜囨暣浣撲笅婊戝凡鐒舵槸澶у娍鎵瓒嬶紝涓昏佹槸鍥犱负骞冲彴涓昏備笂鎯宠侀檷鎭锛屽叾娆℃槸澶琛岄檷鎭锛岀粡娴庝笅琛岀瓑瀹㈣傚師鍥犮

涓昏傚師鍥狅細

1锛夊钩鍙颁负鑾峰緱鏇村氬熸惧㈡埛锛岄氳繃闄嶄綆鍊熸惧埄鎭鍚稿紩鍊熸句汉銆

2锛夊钩鍙颁负鑾峰緱鏇村ぇ璧勯噾锛岀敤浜庡炲己椋庢帶绠＄悊杩樻槸澧炲姞椋庨櫓澶囩敤閲戯紝杩樻槸鐢ㄦ埛鍝佺墝钀ラ攢绛夋柟闈㈣冭檻锛岄檷鎭瀵瑰钩鍙版潵璇村氨鏄鍑忚礋銆

3锛夊钩鍙板崟绾涓鸿幏寰楁洿澶т緥鍒╂鼎绌洪棿銆

4锛 骞冲彴鍙戝睍鍒颁竴瀹氬熸撅紝鍏舵姇璧勪汉瓒嬩簬楗卞拰鐘舵侊紝杩欎釜鏃跺欓檷鎭瀵逛簬骞冲彴鏉ヨ翠笉浼氬彈鍒板緢澶у奖鍝嶏紝闄嶆伅灏卞彉寰楄嚜鐒惰岀劧銆

瀹㈣傚師鍥狅細

棣栧厛,涓鍥藉ぎ琛屽喅瀹氾紝閲戣瀺鏈烘瀯涓骞存湡璐锋惧熀鍑嗗埄鐜囦笅璋0.25涓鐧惧垎鐐硅嚦5.35%銆傚厛涓嶈村ぎ琛岄檷鎭瀵筆2P鏈夋病鏈夌洿鎺ュ奖鍝嶏紝鎬讳箣鍊熺潃澶琛岄檷鎭澶х幆澧冿紝P2P骞冲彴闄嶆伅鏄剧劧鏄涓涓鏈轰細锛屽钩鍙伴檷鎭鏄璺熼殢澶琛岄檷鎭鐨勬ヤ紣銆

澶琛岄檷鎭涓嶄細褰卞搷P2P锛屼富瑕佽〃鐜板湪涓や釜鏂归潰銆

1锛夐摱琛岄檷鎭浼氳╄兘鍦ㄩ摱琛岃捶娆剧殑浼佷笟鍜屼釜浜哄熸惧埄鎭鏇村皯銆備絾鏄锛岃繖骞朵笉鑳藉噺灏慞2P鍊熸句汉鐨勯渶姹傚拰鏁伴噺锛屽洜涓鸿兘鍦ㄩ摱琛岃捶娆剧殑濮嬬粓閮戒笉浼氬幓P2P骞冲彴鍊熸撅紝鎵浠ヨュ悜P2P骞冲彴鍊熸剧殑杩樻槸瑕佸幓骞冲彴鍊熸俱

2锛夊ぎ琛岄檷鎭锛岄拡瀵瑰偍鎴风殑瀛樻惧埄鎭灏变細鍑忓皯锛屼絾杩欏苟涓嶄細璁╁偍鎴峰幓鎶曡祫P2P鎴栬呰偂绁锛屾渶澶氬湪姝ゅ熀纭涓婁粬浠浼氳冭檻绫讳技浣欓濆疂銆佺悊璐㈤氱瓑璐у竵鍩洪噾浜у搧銆傛樉鐒讹紝澶琛岄檷鎭锛屼篃涓嶄細鐩存帴澧炲姞P2P鐨勬姇璧勮呫

鍏舵★紝鍙椾腑鍥界粡娴庝笅琛岀殑鏁翠綋褰卞搷锛屾嵁鍥藉剁粺璁″眬15鏃ュ叕甯冧簡2015骞寸涓瀛ｅ害鐨勫畯瑙傜粡娴庤繍琛屾暟鎹锛7%鐨凣DP澧炲箙宸茬粡鍒拌揪浜嗚繎骞寸殑鏈浣庣偣銆傞噾铻嶅競鍦哄湪姝ょ幆澧冧笅鍛堢幇鐤茶蒋鐘舵侊紝铻嶈祫闇姹傚苟涓嶆椇鐩涖

鎬讳箣锛孭2P骞冲彴闄嶆伅骞舵病鏈夌洿鎺ュ師鍥狅紝鑰屽彧鏈変竴浜涘㈣傜悊鐢便傚綋鐒讹紝瀵逛簬杩芥眰楂樻敹鐩婄殑鎶曡祫浜鸿岃█锛孭2P闄嶆伅鐪熺殑鏈変簺闅句互鎺ュ彈銆傝櫧鐒舵湁浜涙棤濂堬紝浣嗗張蹇呴』鎺ュ彈锛岃繖灏辨槸甯傚満鐜澧冿紝涓嶆槸璋佷竴涓浜哄氨鑳芥敼鍙樸