最有看点的互联网金融门户

最有看点的互联网金融门户
全新的互联网金融模式国际资讯监管与政策

美联储发布P2P借贷行业警示报告

昨日,美联储针对P2P借贷/市场借贷发布了一份警示报告。

美联储指出,P2P可以为消费者提供以下三点明显益处:

1. 允许消费者针对更昂贵的债务进行贷款再融资

2. 有助于帮助消费者构建信贷历史,提高信用评分

3. 为以往无法获得传统银行服务的群体提供了信贷新选择

不过美联储也提到,相比于传统借贷,P2P仍然存在以下几个问题

1. 进行了P2P借贷的借款人在进行借贷后信用评分会出现下滑

2. 贷款行为发生两年以后,P2P借款人拖欠贷款的比率要比没有进行此类借贷的借款人高50%多

3. 相比于没有进行P2P借贷的借款人,P2P借款人在取得P2P贷款后信用卡余额呈现了47%的上涨

因此报告认为,"P2P行业发展迅速,有可能形成消费者资产负债表不稳定因素,尤其是那些本该收益最多的消费群体。"P2P行业自诞生以来就因提供了一种更为高效的信贷方式而备受称赞,而美联储此番严厉批评也是首次出现。此外,报告还认为目前P2P行业的高速增长可能会重蹈2007年信贷危机覆辙。因此,报告提出针对在线借贷行业进行更深入的检查分析。

The Federal Reserve is out with a concerning report regarding the peer to peer lending or marketplace lending industry.

Using the strictest definition of P2P lending, where individual investors lend directly to borrowers, the Fed report says P2P lenders have three widely accepted benefits:

1. P2P loans allow consumers to refinance more expensive debt.

2. These loans help build consumers’ credit histories and therefore improve their scores.

3. P2P lending extends credit access to consumers normally underserved by traditional banks.

The researchers compared P2P borrowers and non-P2P borrowers. Their data shows that often P2P lending has had the opposite effects and negatively impacts the finances of its customers. Among their findings:

1. Credit scores of P2P borrowers fall substantially after taking out a loan when compared to peers who did not take out a P2P loan.

2. Loan delinquency rates are more than 50 percent higher for P2P borrowers two years after the loan origination when compared to peers who did not take out a P2P loan.

3. P2P borrowers exhibit a 47 percent increase in credit card balances after obtaining P2P credit when compared to similar non-P2P borrowers.

The Fed report states, “the industry’s rapid growth has the potential to destabilize consumer balance sheets, particularly those consumers thought to benefit the most.” This is a rather harsh assessment of a sector of finance that has been lauded as providing access to credit in a more efficient manner. The report said the alarming growth in defaults resembles the 2007 subprime crisis. The report called for further examination of the online lending sector.


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

美国证监会:ICO代币必须登记为证券

C. Edward ... 11-13

CFPB发布现金贷上限新规,市场反映较为平稳

潘, 妍媛 11-02

日本金融厅:ICO或受支付服务法及金融商品交易法监管

Sujha Sund... 10-31

韩国拟对比特币交易进行征税

火币区块链研究中心 10-17

澳大利亚证券与投资委员会发布ICO监管指导方针

Rachel Ros... 09-30

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1