165438+1On October 7th, Hunan banned the first batch of 53 P2P online lending platforms. At first glance, it looks scary. If you look closely, it is basically a problem platform, which is really a bit confusing.
Then there was Hangzhou,165438+1October 8, when a company named yucaiyuan announced that it had received the repayment notice within 12 months, and the platform's noble loan was jointly discouraged by many departments. It is said that the platforms with stock below 1 100 million are the first batch, and will be expanded to 500 million, but the official has not yet.
Then, Dalian issued the P2P platform exit guidelines, and also pointed out the "three noes" exit guidelines, that is, during the exit of online lending institutions, the business address cannot be moved, the platform website /APP cannot be closed, and the platform shareholders and senior executives cannot be lost. The battle is great.
On June 165438+1October16, Jiangxi also issued exit guidelines, and online lending institutions should follow eight processes to exit.
Guangdong (excluding Shenzhen), as a high-incidence area, emphasized the time red line in the self-examination stage, that is, newly established online lending institutions will definitely not put on record after 201June 24, and issued exit guidelines on June 10 and 13, providing five ways to help the platform retreat.
All of the above indicate that a large number of platforms will fall on the road of filing and the tide of quitting the network. The captain has counted the normal operating platforms and ratings of Beijing and Shanghai. This time, it is the turn of online lending to save Guangdong. In order to be more comprehensive, the Shenzhen platform is included in this inventory.
Note that the following list is in no particular order and does not constitute investment advice. If you have any objection to the classification, you can leave a message to discuss with the captain.
Safety factor (★★★★★) a) A level.
Small win net gold, orange financing, group loan network, which network to vote for?
Safety factor (★★★★★) Class A.
PPmoney online loan, Jin Peng Institute
Safety factor (★★★★) b) B.
Dai Min Tianxia, E Rongsuo, Guang E Loan, Yi Shan Loan, Shang Zhi Finance, He Zhong E Loan, Daren Loan, Wealth Management Farm, Friend Loan, Youjinfu, E Road Tongxin, Zhongye Rongxing, Hongling Venture Capital, Mavericks Online, and everyone gathers wealth.
Safety factor (★★★) c) class C.
Bank of Niu Niu, Smiling Face Finance, Jin Yuanbao Finance, Jewelry Loan, Easy Loan, Guangjinfu, Barley Finance, Datang Pratt & Whitney, Mintou Jin Fu, Win-Win Pratt & Whitney, One-Stop Wealth, Qianhai Huinong, Pratt & Whitney Express, Financing Easy, Worry-Free Investment, Circle Jin Fu, Rongjinbao, Reform Cattle, Fast Wealth, Microfinance, Commercial Loan and Financing Loan. Xiaoshu Times Online Loan, Guangdong Merchants Loan, Bao Xiao Finance, Li Ji Fortune, Dingcheng Venture Capital, Zhangqu Fortune, Woodenhead, Xitou.com, Jiuai Financial Network, Land Finance, Mr. Onion, Car Loan Treasure, A Little Money, Golden Key Online Loan, Pomegranate Shell, Housing Finance, Shandong Expressway Jin Fu, Worry-Free Wealth Gathering, Happiness Wealth, Oriental Car Loan, Anhe.com and Pigeon Finance.
Safety factor (★) class d
Wanbei Loan, Hengxin Easy Loan, Lian Jin Institute, Quick Loan 100, Fruit Tree Wealth, Koala, Jinrong Institute, Yucai, Avatar E Loan, Luyi Loan, Wanshang Loan, Houhe Wealth, Jin Maizi, Mohammad, Huanxi Finance, Hope Investment, Murongbao, Ai Cai Online, Chinese Finance, Yucai Finance, Fengli. Small Loan Bar, Haijixing Financial Network, Copper Fiona Fang, Nengcheng Wealth, Butterfly Bank, Runye Finance, Convenient Loan, Sammo Hung, Hefu Finance, Han Wo Wealth, Beibei Investment, Golden Generation II, American Debt Office, Oriental Judaism, Cai Hui, Fluorescent Financial Services, Qin Zheng Finance, Ruiying Wealth, Mi You Loan, Micro-E Loan, Pratt & Whitney Online, I want Golden Egg, and so on. Haosen Finance, Baoyuan Loan, Fanmi Finance, * * Win Time Loan, Space Horse, Caesar Jin Fu, Free Wealth, E-onion Finance, Space, Chuangfu Tribe, Finance Society, Shending Mutual Gold, * * Wang Fu, Dashi Loan, Time Value, Super Advantage, Desheng Jin Fu, Jinbingfu, Huifu Wanjia and Blue Ocean Finance. Mai Mai Finance, Star Loan (Guangdong), Paipaijin, Woxiang Wealth, Snowball Finance, Zhongnan E Loan, Yi Jubao, Apple Investment, Qianhai Bank Manager, C Institute, Qian Bangzhu, New Normal Jin Fu, Qian Jinfu, Qian 100, Jinlai Bank, my pocket money, Lirong.com, Duobaoku and so on. Pumpkin Car, Xingxinbao, Amber Jin Fu, Qianhai Red Silk, Hengfu Online, 1 Qianzhuang, Yihe Loan, Love Local Jin Fu, Bill Bao, Instant Loan, Bonus Circle, Jewelry Ping An Loan, Doraemon, Hao San Loan, Wine Shopkeeper, Kangaroo Loan, Wanjia Brothers, Duoduojin, Li Xiangxing, Shilian Jinji, etc.
Generally speaking, according to the region, the platforms in Guangdong and Shenzhen will basically be viewed separately, but the captain found that there are less than 70 platforms operating normally in Guangdong during the inventory process, which is really shocking. So, let's take a look.
Guangdong platform was once surrounded by many pump owners with high income and good experience. At the same time, the gap between good and bad is quite large, which is estimated to be deeply felt by many investors.
Judging from the existing policies, Guangdong has not issued a loan repayment policy for the time being, but in order to match the pace of filing and everyone's psychological expectations, there should be a slow and gentle process.
Just as the night before dawn is the darkest, the moment before filing a case is always the most painful.
Among the above 244 platforms, there are still many small platforms with their own problems. Such as class d platform; The division of class C platform is a bit vague, which seems to be operating normally and has many hidden concerns. Class B platform is relatively stable, but it will fall down if you are not careful. Class a is basically a headboard, and no one can guarantee that it will be like this for a long time. At present, they only pay attention to the steady state of liquidity.
Taking the captain's rating as a reference is also an early warning. Safe and prudent investment is particularly important.