Since P2P landed in China in 2007, the real development started in 2013 and reached its peak at the end of 2015, followed by industry chaos without supervision; on August 24, 2016, China Banking Regulatory Commission, Ministry of Industry and Information Technology, Ministry of Public Security . The four ministries and commissions of the State Internet Information Office issued the "Administrative Measures for the Buy email list Business Activities of Online Lending Information Intermediaries" to delineate 13 regulatory red lines for the P2P industry.
Since then, it has entered a policy-intensive period, and various policies and measures have been introduced from the state to local governments to industry associations. During this period, various platforms run away and mine explosions occurred frequently, and the industry slowly entered a period of reshuffle.
According to the incomplete statistics of Wangdaizhijia, as of the end of 2017, there were 5,970 platforms, and 1,931 platforms were operating normally.
2. Regulatory wind direction
Driven by the intensive policies of the state, local governments, industry associations, etc., and under the catalysis of various thunderstorm incidents, the entire industry has reached a highly unanimous consensus from senior management to practitioners, that is, "virtual exit, embrace supervision" In order to survive, we must actively embrace supervision, recognize the position of Internet finance in domestic finance, and take the initiative to rectify and comply with regulations.
3. Industry exploration
Driven by regulation and in front of huge benefits, industry professionals burst out with an unparalleled spirit of innovation. From the development of various assets and the exploration of various guarantee models, they have been pursued by policies.
4. Future trends
From the initial development of the industry to attracting funds to the current focus on high-quality assets, investors and practitioners have been educated as a whole. At the same time, we can also see the main development direction of P2P in the future from the supervision. P2P network lending risk special rectification work leading group office issued a document rectification and acceptance notice, it can be seen that the policy has come to the final stage, in fact, from the initial 8.24 description of the loan limit for loan objects (enterprises, individuals), it can be seen that the state has Industry development path planning.