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网络小贷带上紧箍咒,对持牌消金却是利好?

2020-11-11
92673
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“WEILAISANWUNIAN,ZUIZHIQIANDEPAIZHAO,JIANGBIANCHENGXIAOFEIJINRONG。”

0

WEN | JILUN LINGE JIMU

11YUE2RI,YINBAOJIANHUI、ZHONGGUORENMINYINXINGJIU《WANGLUOXIAOEDAIKUANYEWUGUANLIZANXINGBANFA(ZHENGQIUYIJIANGAO)》(YIXIAJIANCHENGYIJIANGAO)GONGKAIZHENGQIUYIJIAN。

XIAOXIYICHU,ZHENGGEJINRONGQUANWEIZHIZHENDONG。

“ZHEIGEYIJIANGAOYICHU,JIHUJIANG99%WANGLUOXIAODAIDELUDUANLE。”YIJIAWANGLUOXIAODAIPINGTAIDEGAOGUANHUANGXINCHENG。

XIAODAIBEITAOSHANGLEJINGUZHOU,DANYENEIPUBIANRENWEI,ZHEIDUIXIAOJINQUESHIYICILIHAO——YONGHUZENGJIA,JIANGUANSONGBANG。

SHOUWOSANZHANGXIAODAIPAIZHAODEZHONGJIECHENG:“PAIZHAOBIANFEIZHI,KUILESHANGYI。”

“WEILAISANWUNIAN,ZUIZHIQIANDEPAIZHAO,JIANGBIANCHENGXIAOFEIJINRONG。”GAIZHONGJIECHENG。

01 紧箍咒

业内普遍认为,《意见稿》点了网络小贷行业的“三大死穴”。

SHOUXIAN,SHIZHUCEZIBEN,WANGLUOXIAODAIXUYAOSHIJIAO10YI;RUGUOKUASHENGJINGYING,YAO50YI。

ZHEIGEMENJIANYIWEIZHEISHENME?

MUQIAN,CHIPAIXIAOJINDEZHUCEZIBEN,BUDEDIYU3YIYUAN;QICHEJINRONGDEZHUCEZIBEN,BUDEDIYU5YIYUAN。

ERGUFENZHIYINXINGDEZHUCEZIBEN,ZESHI100YI。

YEJIUSHISHUO,WANGLUOXIAODAIDEZIJINMENJIAN,YIJINCIYUGUFENZHIYINXING。

“MUQIAN,ZHIYOU5JIAWANGDAIGONGSIMANZU50YISHIJIAODEMENJIAN,QITAPINGTAIKENENGDOUNABUCHU50YIDEXIANJIN。”HUANGXINTOULU。

“WOMENZAIKAOLVZHIJIEFANGQIQUANGUOPAIZHAO,YAOMEZHIZUODANGDIYEWU,YAOMEQUHUOQUQITAPAIZHAO,YAOMEZHIZUOJINRONGKEJI。”HUANGXINCHENG。

TATOULU,JIHUSUOYOUDEXIAODAIGONGSI,MUQIANDOUZAIKAOLVSHIFOUYAONACHU50GEYIDEWENTI,“ZAIQUANHENG,ZHIBUZHI”。

1

一些平台也在紧急应对监管。

LIRU,TENGXUNQIXIADECAIFUTONGWANGLUOJINRONGXIAOEDAIKUANYOUXIANGONGSI,ZAI11YUE4RIFASHENGGONGSHANGBIANGENG,JIANGZHUCEZIBENYOU10YIYUANZENGJIAZHI25YIYUAN。

而第二大死穴是,就算是缴纳了50个亿,真正开展业务的时候,也极为困难。

YINWEI《YIJIANGAO》ZHONGGUIDING,XIANZAILIANHEDAIKUAN,WANGDAIGONGSIDECHUZIBILIBUDEDIYU30%。

ZAIGUOQU,YIJIATOUBUDEWANGDAIPINGTAIHEYINXINGZUOLIANHEDAI,CHUZIBILISHI1:99——ZHEIXIANGDANGYUYONG100BEIDEGANGGANQIAODONGZIJIN。

ERXIANZAI,DINGDUO3BEIDUODEGANGGAN。

“XINGUIDECHUTAI,QISHIJIUSHIDUIJINRONGKEJIXINGYEDEGANGGANLVJINXINGQUANFANGWEIDEGUANZHI。”HANGZHOUDIANZIKEJIDAXUEFUJIAOSHOUXUWEIDONGBIAOSHI。

“RUGUOFANG100GEYI,YINIANHAIXUYAO30YIDEFANGKUANZIJIN,FEICHANGNANZUO。”HUANGXINCHENG。

第三大死穴是,客户的放款额度,在《意见稿》中也被调低。

DUIZIRANRENDEDANHUDAIKUANEDUYUANZEBUCHAO30WAN,QIEBUCHAOQIZUIJIN3NIANNIANJUNSHOURUDESANFENZHIYI。

LIRU,KEHUDENIANXINWEI9WANYUAN,NEIMEWANGDAIGONGSIZUIDUOZHINENGDUITAFANGKUAN3WANYUAN。

“这三大死穴,彻底给小贷套上了紧箍咒,99%的网络小贷做不成。而可以做的头部机构,业务量也起不来。”黄鑫称。

HAOZAIJIANGUANHAIJILEWANGLUOXIAODAISANNIANDEZHUANXINGQI,“ZHINENGZAIMOSUOZHONGZHUANXING,XUNZHAOXINDECHULU”。

02 牌照

“XIANZAIDEWANGLUOXIAODAIPAIZHAO,JIBENYUEDENGYUYIZHANGFEIZHI。”YIWEIZHUANZHUPAIZHAOSHENGYIDEZHONGJIECHENG,TAXIANZAISHOUZHONGHAIYOUSANZHANGXIAODAIPAIZHAO,“JIBENSHANGZASHOUSHANGLE”。

TACENGJINGYI5000WANDEJIAGE,CUOHELEYIDANXIAODAIPAIZHAODEZHUANRANG。

“XIANZAIQIMASUNSHILEYIGEDUOYI。”

他预测,接下来三五年,金融市场最值钱的,应该是消金牌照。

ZAIZHUCEZIBENFANGMIAN,XIAOJINPAIZHAODEMENJIANGENGDI。

MUQIAN,XIAOJINPAIZHAODEZHUCEZIBENMENJIANWEI3YIYUAN,YUANDIYUWANGDAI10YI、50YIDEZHUNRUMENJIAN。

但事实上,消金牌照看似门槛更低,实则申请困难。

“MUQIANDEQIANGUIZESHI,DABUFENSHENGZHIYOUSHENGHUICHENGSHIYONGYOUYIZHANGXIAOJINPAIZHAODEZHIBIAO。”MOUCHIPAIXIAOJINJIGOUDIQUYINGXIAOFUZERENSHUO。

YUWANGDAIPAIZHAOXIANGBI,XIAOJINPAIZHAODUIGONGSIDEGUDONGBEIJING、JINGYINGZHUANGKUANGDENGDOUYOUJIAOYANGEDESHENCHABIAOZHUN。

ZAOQIHUODEXIAOJINPAIZHAODEQIYEDADUOYONGYOUYINXINGXIBEIJING,ERZAIHULIANWANGQIYEZHONG,JIBIANSHIMAYIZHEIYANGDEXINGYEJUTOU,YEZAIJINNIANCAINAXIAPAIZHAO。

2

DANZAIJINNIAN,XIAOJINPAIZHAODEFAFANGYEYINGLAILEYIDINGZHUANJI。

JINZAI2020NIAN,JIUYOU5JIAXIAOFEIJINRONGGONGSIHUOPI,SHULIANGCHAOGUOLEGUOQUSANNIANDEZONGHE。

“针对消金牌照,监管开始松动。”一位持牌消金机构高层表示。

但未来,消金牌照是紧还是松,尚未可知。

03 利好

网络小贷被套上了紧箍咒,对于持牌消金来说,反而是好事?

消金公司普遍认为,对他们来说,是利好。

“DALIANGDEXIAODAIGONGSITUICHUSHICHANG,DUIYUXIAOJINGONGSILAISHUO,JIUZENGJIALEDALIANGDEYONGHU。”YIJIACHIPAIXIAOJINPINGTAIDESHICHANGFUZERENDINGJIACHENG。

但实际,最大的利好,是大环境的利好。

“GUOQUJINIAN,GEZHONGQUDAO、JINKE、SHUKE、DASHUJUGONGSI、XIAODAIGONGSI、XIAOJIN、YINXINGDENGDENG,DOUSHITUZAIJINRONGSHICHANGFENYIBEIGENG,YULONGHUNZA。”DINGJIACHENG,ERRUJIN,HUISEDIDAIZAIZHUJIANBEIQINGLI,JIANGUANTAOLIDEKONGJIAN,JIHUBUZAICUNZAI。

COUQIAODESHI,JIHUSHITONGSHI,JIANGUANYOUXIAFALEYIGEXIAOFEIJINRONGDETONGZHI——《GUANYUCUJINXIAOFEIJINRONGGONGSIHEQICHEJINRONGGONGSIZENGQIANGKECHIXUFAZHANNENGLI、TISHENGJINRONGFUWUZHIXIAODETONGZHI》(YIXIAJIANCHENG《TONGZHI》)。

行业普遍认为,这是对消金公司的一次监管利好。

《TONGZHI》LIGUIDING,XIAOFEIJINRONGGONGSI、QICHEJINRONGGONGSIKESHENQINGJIANGBOBEIFUGAILV,CONGYUANLAIDE150%,JIANGZHIBUDIYU130%。

“XIADIAOLEBOBEIJIN,KEYISHIFANGCHU20%DELIUDONGZIJIN,ZHEIYANGJIUZENGQIANGLELIUDONGXING。”DINGJIACHENG,ZHEIDUITAMENLAISHUO,SHIFEICHANGDADELIHAO。

“GUOJIAZHENGZAIQIANGDIAONEIXUNHUAN,ERXIAOFEISHILADONGNEIXUDEZUIDAMACHE,XIAOFEIJINRONGSHIBUKEQUESHAODE。”ZUIJINPINFANDELIHAOXIAOXI,RANGZHENGGEXIAOFEIJINRONGXINGYEXINXINDAZENG。

3

JINGUAN《TONGZHI》DUIXIAOJINSHILIHAO,“DANWENJIANLI,YOUHULUOBU,YEYOUDABANG。”DINGJIACHENG。

BIRU,《TONGZHI》YAOQIUXIAOJINGONGSIDAZAOHEXINFENGKONG,BINQI“GAOFENGXIANFUGAIGAOSHOUYI”DECUFANGFENGKONGMOSHI;HELIMANZUXIAOFEIZHEDEXINDAIXUQIU,BIMIANXIAOFEIZHEGUODUFUZHAIDENGDENG。

“这里都划上了红线,未来消金业务也会越来越正规。”丁佳称。

4

XIAODAIDEJIANGUAN,HEXIAOJINDEJIANGUAN,JIHUZAITONGYIGESHIJIANCHULAI。

XINGYENEIMINGXIANNENGGOUGANJUE,YIJINYISONG。

ZUIGAOFADE15.4%LILVHONGXIANHUACHULAIZHIHOU,HUANGXINJIUNENGMINGXIANGANJUEDAOJIANGUANDEZOUXIANG:HENDUOFAYUANYAOQIUWANGLUOXIAODAIZUNCONG15.4%DELILV,JIANGTAMENHUAWEILEMINJIANJIEDAI;ERXIAOJIN,QUEHUADAOLECHIPAIJINRONGJIGOUYILEI,BUSHUYUMINJIANJIEDAI。

“ZAIDANGSHI,JIUNENGGANJUEWANGLUOXIAODAIKENENGYAOBEIPAICHUDAOZHENGGUIJUNZHIWAILE。”HUANGXINCHENG。

“ZHEICIDEWANGDAIXINGUI,YU15.4%DEGUIDING,JIHUHUIJIYADIAOZHANGWEIWANGDAIPINGTAIDESHICHANGKONGJIAN。”XUWEIDONGFENXI。

WUYI,JIANGUANKONGBAIDETAOLISHIDAI,YICHEDIJIESHU,YIHOUSHIZHENGGUIJUNDETIANXIA,JINRONGXINGYEYOUZHONGXINZOUSHANGLEZHENGGUI……

*WENZHONGBUFENSHOUFANGZHEWEIHUAMING。

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