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网贷平台资产端扎堆消费贷车贷

2017-08-24 09:07:26   中国经济网

“如今10家平台就有8家在做消费贷或车贷的业务。”昨日,有业内人士感叹。记者调查发现,借款限额政策出台至今满一年,大量网贷企业争夺“僧多粥少”的消费信贷和车贷等资产业务,导致了这一领域竞争白热化。

超额借款待还占比依然不低

去年8月24日多部委联合发布的《网络借贷信息中介机构业务活动管理暂行办法》对平台提出了众多合规要求,其中借款限额影响深远,即同一自然人在同一网贷平台和所有网贷平台的借款余额,分别不得超过人民币20万元和100万元,同一法人或其他组织的额度分别是100万元和500万元。

网贷之家数据显示,今年7月单个借款标超过20万元、单个借款标超过100万元的平台占比数值分别降至64.5%和17.32%,比去年8月的占比数分别降了25.83个百分点和25.65个百分点。

“这主要由于消费金融等小额分散标增多,导致投资标的平均金额持续下降。”网贷之家分析师指出。

资产荒不存在 风控更为重要

部分业内则提出了资产荒的担忧。有业内人士表示,多类型资产的层层退出,意味着大量网贷企业只能去争夺“僧多粥少”的消费信贷和车贷等资产业务。

“如今10家平台就有8家在做消费贷或车贷的业务,这些业务的已从蓝海变成红海了。”有业内人士称。

据融360网贷评级课题组统计,与今年年初相比,7月29家评级内平台中,有13.8%的平台下线或者降低了大额房产抵押类贷款、大额担保贷等不符合监管要求的资产比重。而有24.1%的平台选择开发小额、合规、有抵押、易变现的车贷资产;消费金融和信用贷也因为小额分散,有34.5%的平台进入这个领域。

广州市普惠金融协会执行秘书长肖清源则认为,“资产荒”问题其实并不存在,网贷行业缺的是低成本的资金,而非资产。越来越多的资产被挖掘,如何做好资产风险控制才是最重要的,“就拿车贷来说,还有很大的发展空间,比如可以从一二线城市扩展到三四线等。”

PPmoney相关负责人也表示,网贷市场很大,随着消费升级,除了消费贷和车贷之外,围绕中产阶级的金融服务、农村金融等领域,都是很大的市场。

2016年8月投资标的平均金额约为5.45万元/个,2017年7月该数值下降至2.24万元/个,降幅约45.60%。

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