貸款利率降低對p2p影響

⑴ P2P緗戣捶騫沖彴鍙堥檷鎮錛屽師鍥犳槸浠涔

浜掕耽閲戣瀺涓烘偍瑙ｇ瓟銆

P2P騫沖彴闄嶆伅騫舵病鏈夌洿鎺ュ師鍥狅紝鑰屽彧鏈変竴浜涘㈣傜悊鐢便傚綋鐒訛紝瀵逛簬榪芥眰楂樻敹鐩婄殑鎶曡祫浜鴻岃█錛孭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』鎺ュ彈錛岃繖灝辨槸甯傚満鐜澧冿紝涓嶆槸璋佷竴涓浜哄氨鑳芥敼鍙樸

鎺ヨ繎騫村簳錛屽浗鍐呬笉灝慞2P騫沖彴鍏堝悗闄嶆伅錛屽鉤鍧囬兘涓嬭皟2%宸﹀彸銆傚叾涓錛屽叧浜庨檷鎮鍘熷洜錛屽鉤鍙扮粰鍑虹殑鐞嗙敱鍩烘湰閮芥槸錛屼負闄嶄綆鍊熸句漢鋙嶈祫鎴愭湰錛屼負騫沖彴鍋ュ悍紼沖畾鍙戝睍鑰冭檻銆

P2P鏀剁泭鐜囨暣浣撲笅婊戝凡鐒舵槸澶у娍鎵瓚嬶紝涓昏佹槸鍥犱負騫沖彴涓昏備笂鎯寵侀檷鎮錛屽叾嬈℃槸澶琛岄檷鎮錛岀粡嫻庝笅琛岀瓑瀹㈣傚師鍥犮

涓昏傚師鍥狅細

1錛夊鉤鍙頒負鑾峰緱鏇村氬熸懼㈡埛錛岄氳繃闄嶄綆鍊熸懼埄鎮鍚稿紩鍊熸句漢銆

2錛夊鉤鍙頒負鑾峰緱鏇村ぇ璧勯噾錛岀敤浜庡炲己椋庢帶綆＄悊榪樻槸澧炲姞椋庨櫓澶囩敤閲戱紝榪樻槸鐢ㄦ埛鍝佺墝钀ラ攢絳夋柟闈㈣冭檻錛岄檷鎮瀵瑰鉤鍙版潵璇村氨鏄鍑忚礋銆

3錛夊鉤鍙板崟綰涓鴻幏寰楁洿澶т緥鍒╂鼎絀洪棿銆

4錛 騫沖彴鍙戝睍鍒頒竴瀹氬熸撅紝鍏舵姇璧勪漢瓚嬩簬楗卞拰鐘舵侊紝榪欎釜鏃跺欓檷鎮瀵逛簬騫沖彴鏉ヨ翠笉浼氬彈鍒板緢澶у獎鍝嶏紝闄嶆伅灝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騫存湡璐鋒懼熀鍑嗗埄鐜囦笅璋0.25涓鐧懼垎鐐硅嚦5.35%銆傚厛涓嶈村ぎ琛岄檷鎮瀵筆2P鏈夋病鏈夌洿鎺ュ獎鍝嶏紝鎬諱箣鍊熺潃澶琛岄檷鎮澶х幆澧冿紝P2P騫沖彴闄嶆伅鏄劇劧鏄涓涓鏈轟細錛屽鉤鍙伴檷鎮鏄璺熼殢澶琛岄檷鎮鐨勬ヤ紣銆

澶琛岄檷鎮涓嶄細褰卞搷P2P錛屼富瑕佽〃鐜板湪涓や釜鏂歸潰銆

1錛夐摱琛岄檷鎮浼氳╄兘鍦ㄩ摱琛岃捶嬈劇殑浼佷笟鍜屼釜浜哄熸懼埄鎮鏇村皯銆備絾鏄錛岃繖騫朵笉鑳藉噺灝慞2P鍊熸句漢鐨勯渶奼傚拰鏁伴噺錛屽洜涓鴻兘鍦ㄩ摱琛岃捶嬈劇殑濮嬬粓閮戒笉浼氬幓P2P騫沖彴鍊熸撅紝鎵浠ヨュ悜P2P騫沖彴鍊熸劇殑榪樻槸瑕佸幓騫沖彴鍊熸俱

2錛夊ぎ琛岄檷鎮錛岄拡瀵瑰偍鎴風殑瀛樻懼埄鎮灝變細鍑忓皯錛屼絾榪欏苟涓嶄細璁╁偍鎴峰幓鎶曡祫P2P鎴栬呰偂紲錛屾渶澶氬湪姝ゅ熀紜涓婁粬浠浼氳冭檻綾諱技浣欓濆疂銆佺悊璐㈤氱瓑璐у竵鍩洪噾浜у搧銆傛樉鐒訛紝澶琛岄檷鎮錛屼篃涓嶄細鐩存帴澧炲姞P2P鐨勬姇璧勮呫

鍏舵★紝鍙椾腑鍥界粡嫻庝笅琛岀殑鏁翠綋褰卞搷錛屾嵁鍥藉剁粺璁″矓15鏃ュ叕甯冧簡2015騫寸涓瀛ｅ害鐨勫畯瑙傜粡嫻庤繍琛屾暟鎹錛7%鐨凣DP澧炲箙宸茬粡鍒拌揪浜嗚繎騫寸殑鏈浣庣偣銆傞噾鋙嶅競鍦哄湪姝ょ幆澧冧笅鍛堢幇鐤茶蔣鐘舵侊紝鋙嶈祫闇奼傚苟涓嶆椇鐩涖

鎬諱箣錛孭2P騫沖彴闄嶆伅騫舵病鏈夌洿鎺ュ師鍥狅紝鑰屽彧鏈変竴浜涘㈣傜悊鐢便傚綋鐒訛紝瀵逛簬榪芥眰楂樻敹鐩婄殑鎶曡祫浜鴻岃█錛孭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』鎺ュ彈錛岃繖灝辨槸甯傚満鐜澧冿紝涓嶆槸璋佷竴涓浜哄氨鑳芥敼鍙樸