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消费金融井喷背后资金告急:平台各显神通寻觅“金主”

2017-09-24 07:26:52   中国经济网

钱?钱!赶上了消费金融爆发的好时光,面对市场井喷的需求,诸多互联网消费金融平台着急的是,如何才能够获得更多用于借贷的资金?

无论交易规模已经达数百亿元的大型平台,抑或刚刚起步的中小型平台,其都在忙着四处找钱——因为,资金的获取能力已经成为消费金融平台安身立命的核心竞争力之一。

现实是大小平台都缺钱,那钱到底从哪里来呢?但见众消费金融平台各显神通,寻找自己的“金主”。

大小平台都缺钱

“最近刚刚和一个金融集团建立起了联系,他们有意和我们进行战略合作,我们最主要就是看中他们体系中有P2P平台,还有银行,能够给我们带来资金。”国内某现金贷平台的合伙人告诉记者。

这家现金贷平台目前月放款金额约3亿元,近几个月放款规模环比增速超过20%。该公司业务规模增长的同时,制约其业务扩张的瓶颈也愈发明显,首当其冲的便是资金来源。

近年来,随着国内消费金融市场的被打开,消费金融平台如雨后春笋般涌现,成百上千家机构开始耕耘这一产业。而整体来看,国内从事消费金融业务的公司大体可分为三类,即商业银行、持牌消费金融公司和互联网消费金融平台。

持牌消费金融公司,主要是指全国15家消费金融公司,其在经营模式上既有类银行模式、亦有偏互联网模式,但其最重要的价值在于牌照,能够享受更多元的资金来源、更宽松的监管和更灵活的业务经营。互联网消费金融平台,则主要是基于电商主业衍生出金融服务,目前从事消费金融业务的互联网金融企业多起家于电商平台,凭借自身消费场景、大数据优势向消费者提供分期购物、现金借贷服务等。

一家现金贷平台创始人称,公司创立初期,团队、风控、获客是启动初期需要立即考虑的问题。在最初期产品上线时,放贷的资金往往可以先用自有资金、外部借款等方式获得,但一旦产品跑通了,放贷量就会非常快速的增长,那需要的资金体量就会非常大了。“前面三个月每个月几百万的放款金额,可能后面再过几个月就能增长到上亿元了,所以资金需求特别大,对一个平台来说,这必须用尽全力去拓展资金的来源渠道。”

事实上,消费金融的需求爆发已经成为业内的共识。根据艾瑞咨询此前发布的《2017消费金融洞察报告》显示,短短4年,互联网消费金融的交易规模从60亿猛增到4367.1亿。从2013年到2016年,互联网消费金融交易规模实现了70倍爆发式增长,年复合增长率达317%。

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