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P2PFA发布最新英国P2P市场研究报告

英国P2P金融协会(P2PFA)近日推出了一份关于英国P2P借贷市场经济状况的委托研究报告。这次研究由经济咨询公司Oxera提供,对英国P2P借贷市场的风险、成本和优势进行了详尽分析,同时对P2P商业模式的运作也进行了客观描述。该份研究着重关注了P2PFA的8个成员平台--这几个平台一直都保持着运营的高标准和高透明度,它们占据了英国P2P借贷市场的75%左右。

以下是本次报告的一些核心观点总结:

1. P2P借贷为整个贷款和投资市场带来的更多的竞争和选择;

2. P2P借贷为散户投资者提供了新的投资机会,让他们能够接触到更多回报比率在4%到8%的消费与商业贷款资产类别产品;

3. 参与2016年1月借贷平台信贷风险测评的几个P2PFA会员单位与传统借贷机构一样保持了稳定的运营表现;

4. P2P平台更愿意积极管理信贷风险,因为贷款违约率上升将直接影响平台收取的服务费用的多少(这部分费用是平台主要的收入来源之一);

5. P2PFA成员平台提供的业务透明度较高,可以保证投资者自主进行业务表现和原有期望的对比;

6. P2P借贷不会造成系统性风险,而且即便信贷环境恶化,这些平台依旧可以很好地予以应对--贷款违约率要至少上涨三倍才会抵消投资者的现有收益。

总的来说,现有监管环境还是比较合适而且比较有针对性的,不过未来可能还需要在某些方面予以完善加强。

大多数投资者也对相关风险有着充足的认识。

针对某一个话题,在任何一个大型机构中总会出现不同的声音。而P2PFA对此的态度就是提供一份"以事实为依据"的独立报告。这份长达76页的报告不仅回顾了英国P2P市场的现状,同时也会未来可能出现的市场败局进行了预估。那么接下来要看的就是,FCA对这份报告又会作何反应?

The UK Peer to Peer Finance Association (P2PFA) has released a commissioned study on the economics of the peer to peer lending market in the UK. The independent assessment, provided by the economic consulting firm of Oxera, analysed the risks, costs and benefits of peer-to-peer lending and provided an objective account of how P2P business models work. The study focused specifically on the eight-member platforms of the P2PFA – each held to high standards of transparency and operation – which collectively comprise over seventy-five per cent of the UK market.

According to the report;

1. P2P lending has created additional competition and choice in the market for loans and investment;

2. P2P lending provides new options for retail investors, opening up access to risk-and-return from an asset class of consumer and business loans with net returns of between 4% & 8%;

3. P2PFA Members as of January 2016P2P lending platforms conduct credit-risk assessments using industry best practice and deliver outcomes consistent with those of traditional lenders;

4. P2P platforms are incentivised to manage credit risk well because borrower defaults result in the loss of ongoing servicing fees (which comprise a significant proportion of a platform’s income);

5. The P2PFA member platforms provide a level of transparency which empowers investors to assess performance against expectations;

6. P2P lending does not create systemic risk, and platforms are well-placed to weather a downturn in the credit cycle – borrower defaults would need to increase at least threefold to reduce average interest rates to investors below zero; and

The current regulatory framework is proportionate and targeted, though opportunities to strengthen the regime exist in some areas.

Most investors have a good understanding of the associated risk

As with any large bureaucratic agency, there is a diversity of opinions as to what needs to be changed and what does not. The P2PFA is being proactive in its positioning by providing an independent “evidence-based report” to buttress its position. The 76-page report, embedded below, also includes an assessment of potential market failures – derived in part from questions raised by Andrew Tyrie MP, Chairman of the Treasury Committee. Now the question remains as to what, exactly, the FCA will do with this report.


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