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qq个性分组心型图案灼见 | 2018年,这10件事改变了互金行业的走向_财经

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    [摘要]年终回顾的最迷人之处,便是迥然相反的事件在同一段时间里并行交错,像蝴蝶的翅膀,轻轻一挥,各自发挥其深远的影响,合力改变了行业的走向。腾讯财经《灼见》特约作者 薛洪言(苏宁金融研究院互联网金融研究中心主任)提到互联网金融行业的2018,你会想到什么呢?是层出不穷的热点事件:虚拟货币炒作的死灰复燃与破灭、互金平台的“带血”上市潮、套路贷横行、P2P爆雷潮……是全面收紧的强监管信号:141号文的持续发酵、互联网资管新规、断直连、备付金集中存管、P2P备案提速……还是行业发展的新迹象、新变化:巨头搭建金融科技开放平台、银行发力互联网转型、小微金融成转型共识…………无论你想到什么,年终回顾的最迷人之处,便是迥然相反的事件在同一段时间里并行交错,像蝴蝶的翅膀,轻轻一挥,各自发挥其深远的影响,合力改变了行业的走向。以下是我选出的10大事件。里程碑与转折点1、141号文持续发酵,消费金融迎政策拐点141号文(《关于规范整顿“现金贷”业务的通知》)发布于2017年12月,影响则延续至今。在此之前,现金贷是消费金融行业的火车头,在此之后,无场景依托的现金贷业务涉嫌违规,直接导致行业放贷规模的缩水和逾期率的提升。头部平台开始扎堆拓展场景,直接导致汽车金融领域的竞争趋于白热化,租房分期、教育分期也成为消费金融平台的香饽饽。只是,场景金融,场景本身成为难啃的屏障。一些机构大跃进式地拓展汽车金融,最终因搞不定汽车产业链的复杂性而折戟;一些机构则在租房分期和教育分期的大发展中,丧失了对场景风险的基本把控,被动地陷入因场景方跑路带来的声誉危机。消费金融平台陷入转型困境,背后的金主——持牌机构相继压缩资金输入,釜底抽薪式地限制了平台的放贷能力。与此同时,借助互金巨头的开放平台模式,持牌机构开启了消费金融大跃进模式。2、互联网资管新规出台2018年4月初,互金整治办发布《关于加大通过互联网开展资产治理业务整治力度及开展验收工作的通知》(29号文),P2P平台和互联网平台与股交所、金交所联合发布的各类理财产品被叫停。自此开始,只有银行、信托、证券、基金、期货、保险等金融机构才有资管业务,互联网机构只有代销资质。被“剥夺”理财发行资质后,基金、保险等标准化产品代销毛利低、对金融流量的要求很高,互联网平台理财事业线的盈利能力大幅萎缩。以网易理财下线所有产品为标志,互联网平台的资管业务送别黄金期。3、断直连与备付金集中存管断直连与备付金集中存管,相继于2018年落地,于第三方支付机构而言,从三方模式进入四方模式,正式与过去告别。断直连后,夯实了第三方支付机构的基础设施,接下来应该着重推动统一的费率、统一的二维码标准等行业标准化工作,同时,就第三方支付业务模式创新、基于集中化支付数据的增值化服务等,也可以提上日程。备付金集中存管后,备付金利息收入彻底消失,于支付行业而言,需要加快收入结构多元化转型,填补百亿级的备付金利息收入缺口。于银行而言,失去了备付金存款,也丧失了对支付机构实施费率优惠的动力。随着支付机构与银行之间新一轮的费用重新定价启动,第三方支付行业给予用户的免费红利期,或许正在离我们远去。躁动与混乱4、虚拟货币的死灰复燃与重归寂灭2017年9月,ICO新规出台,将ICO界定为“未经批准非法公开融资的行为,涉嫌非法发售代币票券、非法发行证券以及非法集资、金融诈骗、传销等违法犯罪活动”,遂被全面取缔,比特币等虚拟货币交易所交易也被叫停,中国市场之于“币圈”陷入冰点期。不过,虚拟货币的“复苏”之快超出市场想象,2018年初,借区块链的名义,虚拟货币炒作死灰复燃,且愈演愈烈。区块链创业、区块链媒体成为2018年上半年创业圈的一抹亮色。泡沫投机,终难持续。比特币的跌跌不休的过程,成为虚拟货币炒作去魅的过程。同时,监管从传播环节再次出手,终于浇灭了这股邪火。2018年7月,部分区块链媒体大号被批量封禁,对于打击币圈炒作发挥了积极作用;10月,国家互联网信息办公室下发《区块链信息服务管理规定(征求意见稿)》,彻底斩断了舆论造势与推介、信息服务等是虚拟货币投机链条中的重要环节,虚拟货币炒作重归寂灭。5、P2P爆雷潮P2P爆雷潮的发生,消解了出借人对P2P的信任感,不分平台大小,全行业开始遭遇资金外流压力。于平台而言,有限的资金被优先用于债转项目,以确保出借人的顺利退出,缓解出借人的恐慌情绪,借款人的借款需求得不到满足,带来活跃借款人的流失,动摇了平台根基。借款人是平台的衣食父母,借款人的流失直接带来营收能力下降,为了活下去,平台开始压降成本,降薪、裁员等问题也随之而来,并伴随着核心人才流失,元气大伤。于行业而言,希望似乎都在备案身上。只是,小小的一纸备案,能否承载让行业重获活力的梦想,是个值得商榷的问题。6、互金平台延续上市潮:估值缩水与带血上市2017年下半年,互金平台开启了第一波上市潮,进入2018年,平台上市的热情不减。在股价跌跌不休的走势中,第二波上市潮被市场称为“带血上市”。其实,互金平台IPO募资额普遍较低,即便股价存在低估现象,但卖出去的不多,股价的下跌多是账面上的浮亏,“带血上市”一说值得商榷,起码对不同的平台而言,这个词未必都适用。于平台而言,此时上市,意不在退出,而是提升各方信心。在2018年的行业氛围下,市场对互金平台尤其是P2P平台普遍缺乏信心,由此导致的出借人流失、资金方的不信任等已经对平台的资金渠道带来实质性影响,上市有助于提升各方信心,助力企业渡过难关。此外,辩证地来看,行业大分化阶段,于头部平台而言,也是快速收割市场的机会,上市带来的资金、品牌及各种潜在合作资源,能帮助平台在行业分化期快速提升市场地位。所以,哪有人真的在做赔本的买卖呢?既然选择上市,肯定是上市强于不上市。新起点与新迹象7、开放平台成为行业趋势自2017年起,各大巨头相继推出了科技输出解决方案,搭建开放平台,广泛连接合作伙伴,涵盖了金融云、人工智能、区块链、大数据风控、智能运营、流量互通等核心环节。比较有特色的,如蚂蚁金服的金融云解决方案、百度金融的云帆开放平台、苏宁金融基于区块链的黑名单共享平台等。此外,恒生电子、品钛、51信用卡、众安在线等细分行业头部机构,也在自身业务实践基础上,开放特定业务解决方案,走向了科技赋能之路。金融科技开放平台属于典型的生态协作模式,一家机构提供基础设施,多家机构在平台上协作,形成一个稳固的多边系统,注重生态合作,以生态取胜。金融科技开放平台的搭建,为中小银行、互联网金融平台的互联网转型创造了契机,一些城商行、持牌消费金融公司通过与各类开放平台合作实现了放贷规模的快速增长,增厚了利润垫,为金融科技转型奠定了资金基础。8、银行启动开放银行战略这厢,金融科技巨头在搭建开放平台,另一边,主流的银行也走上了开放之路。建行成立了金融科技公司,平安银行和兴业银行继续深耕科技输出,浦发银行宣布转型无界开放银行,网商银行发起凡星计划……有差异化优势,才有开放的必要。银行业的开放,某种程度上表明,头部银行机构的科技转型已经初见成效。不过,相比金融科技公司可以专注科技输出、弱化业务竞争色彩,对银行而言,永远是业务为主、科技输出为辅。一边在业务层面激烈竞争,一边将科技能力向同业开放。这种开放,能否被同业接受,还需要市场的检验。9、P2P备案提速,行业或迎来新起点P2P爆雷潮后,P2P备案开始提速。2018年8月,全国P2P网贷整治办下发《关于开展P2P网络借贷机构合规检查工作的通知》,将备案工作大致分为三步:一是历经自查、自律检查和行政核查等三轮核查,以2018年12月底为截止日期;二是符合条件的平台获准接入信息披露和产品登记系统,试运行一段时间,具体时长未知;三是条件成熟的机构按要求申请备案。乐观估计,上述步骤走完,至少还要大半年的时间。P2P爆雷潮的出现,于平台正常经营而言,是一种暴击;于平台获得合规身份(备案)而言,也是一个催化剂和加速器。这大概可以算爆雷潮送给P2P平台的礼物和馈赠。于平台而言,需要和时间赛跑,在拿到备案前要想方设法保住平台持续经营的基本盘面,即借款人、出借人等用户基础和相对稳定的员工队伍。10、普惠金融提速,B端小微金融成转型红利2017年以来的强力去杠杆,带来了民营经济体的资金挤出效应,加剧了民营企业融资困境。随着2018年7月份以来的政策纠偏,普惠金融开始提速。央行提出了“三支箭”政策组合,在债券、信贷、股权三个渠道发力,助力流动性流到民营企业和最需要的地方;银保监会则提出“一二五”的目标,在新增公司类贷款中,大型银行对民营企业的贷款不低于1/3,中小型银行不低于2/3,三年后银行业对民营企业的贷款占新增贷款比例不低于50%。据银保监会数据显示,截至2018年1季度末,全国小微企业(含个体工商户)中,仅1545万户小微企业获得贷款,小微企业获贷比例不足20%,仍然任重道远。在金融机构侧,巨头重提产业互联网战略,支付宝和微信借助收款码加速布局小微商户金融,银联联合银行推出小微企业卡和手机POS,越来越多的风险资本也瞄准了2B端创业机构……随着企业端信息化、线上化流程的加速,B端金融的基础越来越坚实,B端小微金融风口起,或成为主导未来几年金融科技转型方向的重要赛道。展望2019历史总是在重演,放眼2019,会有新年新气象,各种躁动与混乱也定不会缺席。亲历2019,愿你们依旧在这里。

zhai yao nian zhong hui gu de zui mi ren zhi chu, bian shi jiong ran xiang fan de shi jian zai tong yi duan shi jian li bing xing jiao cuo, xiang hu die de chi bang, qing qing yi hui, ge zi fa hui qi shen yuan de ying xiang, he li gai bian le hang ye de zou xiang. teng xun cai jing zhuo jian te yue zuo zhe xue hong yan su ning jin rong yan jiu yuan hu lian wang jin rong yan jiu zhong xin zhu ren ti dao hu lian wang jin rong hang ye de 2018, ni hui xiang dao shen me ne? shi ceng chu bu qiong de re dian shi jian: xu ni huo bi chao zuo de si hui fu ran yu po mie hu jin ping tai de" dai xue" shang shi chao tao lu dai heng xing P2P bao lei chao shi quan mian shou jin de qiang jian guan xin hao: 141 hao wen de chi xu fa jiao hu lian wang zi guan xin gui duan zhi lian bei fu jin ji zhong cun guan P2P bei an ti su hai shi hang ye fa zhan de xin ji xiang xin bian hua: ju tou da jian jin rong ke ji kai fang ping tai yin hang fa li hu lian wang zhuan xing xiao wei jin rong cheng zhuan xing gong shi wu lun ni xiang dao shen me, nian zhong hui gu de zui mi ren zhi chu, bian shi jiong ran xiang fan de shi jian zai tong yi duan shi jian li bing xing jiao cuo, xiang hu die de chi bang, qing qing yi hui, ge zi fa hui qi shen yuan de ying xiang, he li gai bian le hang ye de zou xiang. yi xia shi wo xuan chu de 10 da shi jian. li cheng bei yu zhuan zhe dian 1 141 hao wen chi xu fa jiao, xiao fei jin rong ying zheng ce guai dian 141 hao wen guan yu gui fan zheng dun" xian jin dai" ye wu de tong zhi fa bu yu 2017 nian 12 yue, ying xiang ze yan xu zhi jin. zai ci zhi qian, xian jin dai shi xiao fei jin rong hang ye de huo che tou, zai ci zhi hou, wu chang jing yi tuo de xian jin dai ye wu she xian wei gui, zhi jie dao zhi hang ye fang dai gui mo de suo shui he yu qi lv de ti sheng. tou bu ping tai kai shi zha dui tuo zhan chang jing, zhi jie dao zhi qi che jin rong ling yu de jing zheng qu yu bai re hua, zu fang fen qi jiao yu fen qi ye cheng wei xiao fei jin rong ping tai de xiang bo bo. zhi shi, chang jing jin rong, chang jing ben shen cheng wei nan ken de ping zhang. yi xie ji gou da yue jin shi di tuo zhan qi che jin rong, zui zhong yin gao bu ding qi che chan ye lian de fu za xing er zhe ji yi xie ji gou ze zai zu fang fen qi he jiao yu fen qi de da fa zhan zhong, sang shi le dui chang jing feng xian de ji ben ba kong, bei dong di xian ru yin chang jing fang pao lu dai lai de sheng yu wei ji. xiao fei jin rong ping tai xian ru zhuan xing kun jing, bei hou de jin zhu chi pai ji gou xiang ji ya suo zi jin shu ru, fu di chou xin shi di xian zhi le ping tai de fang dai neng li. yu ci tong shi, jie zhu hu jin ju tou de kai fang ping tai mo shi, chi pai ji gou kai qi le xiao fei jin rong da yue jin mo shi. 2 hu lian wang zi guan xin gui chu tai 2018 nian 4 yue chu, hu jin zheng zhi ban fa bu guan yu jia da tong guo hu lian wang kai zhan zi chan zhi li ye wu zheng zhi li du ji kai zhan yan shou gong zuo de tong zhi 29 hao wen, P2P ping tai he hu lian wang ping tai yu gu jiao suo jin jiao suo lian he fa bu de ge lei li cai chan pin bei jiao ting. zi ci kai shi, zhi you yin hang xin tuo zheng quan ji jin qi huo bao xian deng jin rong ji gou cai you zi guan ye wu, hu lian wang ji gou zhi you dai xiao zi zhi. bei" bo duo" li cai fa xing zi zhi hou, ji jin bao xian deng biao zhun hua chan pin dai xiao mao li di dui jin rong liu liang de yao qiu hen gao, hu lian wang ping tai li cai shi ye xian de ying li neng li da fu wei suo. yi wang yi li cai xia xian suo you chan pin wei biao zhi, hu lian wang ping tai de zi guan ye wu song bie huang jin qi. 3 duan zhi lian yu bei fu jin ji zhong cun guan duan zhi lian yu bei fu jin ji zhong cun guan, xiang ji yu 2018 nian luo di, yu di san fang zhi fu ji gou er yan, cong san fang mo shi jin ru si fang mo shi, zheng shi yu guo qu gao bie. duan zhi lian hou, hang shi le di san fang zhi fu ji gou de ji chu she shi, jie xia lai ying gai zhao zhong tui dong tong yi de fei lv tong yi de er wei ma biao zhun deng hang ye biao zhun hua gong zuo, tong shi, jiu di san fang zhi fu ye wu mo shi chuang xin ji yu ji zhong hua zhi fu shu ju de zeng zhi hua fu wu deng, ye ke yi ti shang ri cheng. bei fu jin ji zhong cun guan hou, bei fu jin li xi shou ru che di xiao shi, yu zhi fu hang ye er yan, xu yao jia kuai shou ru jie gou duo yuan hua zhuan xing, tian bu bai yi ji de bei fu jin li xi shou ru que kou. yu yin hang er yan, shi qu le bei fu jin cun kuan, ye sang shi le dui zhi fu ji gou shi shi fei lv you hui de dong li. sui zhe zhi fu ji gou yu yin hang zhi jian xin yi lun de fei yong chong xin ding jia qi dong, di san fang zhi fu hang ye ji yu yong hu de mian fei hong li qi, huo xu zheng zai li wo men yuan qu. zao dong yu hun luan 4 xu ni huo bi de si hui fu ran yu zhong gui ji mie 2017 nian 9 yue, ICO xin gui chu tai, jiang ICO jie ding wei" wei jing pi zhun fei fa gong kai rong zi de xing wei, she xian fei fa fa shou dai bi piao quan fei fa fa xing zheng quan yi ji fei fa ji zi jin rong zha pian chuan xiao deng wei fa fan zui huo dong", sui bei quan mian qu di, bi te bi deng xu ni huo bi jiao yi suo jiao yi ye bei jiao ting, zhong guo shi chang zhi yu" bi quan" xian ru bing dian qi. bu guo, xu ni huo bi de" fu su" zhi kuai chao chu shi chang xiang xiang, 2018 nian chu, jie qu kuai lian de ming yi, xu ni huo bi chao zuo si hui fu ran, qie yu yan yu lie. qu kuai lian chuang ye qu kuai lian mei ti cheng wei 2018 nian shang ban nian chuang ye quan de yi mo liang se. pao mo tou ji, zhong nan chi xu. bi te bi de die die bu xiu de guo cheng, cheng wei xu ni huo bi chao zuo qu mei de guo cheng. tong shi, jian guan cong chuan bo huan jie zai ci chu shou, zhong yu jiao mie le zhe gu xie huo. 2018 nian 7 yue, bu fen qu kuai lian mei ti da hao bei pi liang feng jin, dui yu da ji bi quan chao zuo fa hui le ji ji zuo yong 10 yue, guo jia hu lian wang xin xi ban gong shi xia fa qu kuai lian xin xi fu wu guan li gui ding zheng qiu yi jian gao, che di zhan duan le yu lun zao shi yu tui jie xin xi fu wu deng shi xu ni huo bi tou ji lian tiao zhong de zhong yao huan jie, xu ni huo bi chao zuo zhong gui ji mie. 5 P2P bao lei chao P2P bao lei chao de fa sheng, xiao jie le chu jie ren dui P2P de xin ren gan, bu fen ping tai da xiao, quan hang ye kai shi zao yu zi jin wai liu ya li. yu ping tai er yan, you xian de zi jin bei you xian yong yu zhai zhuan xiang mu, yi que bao chu jie ren de shun li tui chu, huan jie chu jie ren de kong huang qing xu, jie kuan ren de jie kuan xu qiu de bu dao man zu, dai lai huo yue jie kuan ren de liu shi, dong yao le ping tai gen ji. jie kuan ren shi ping tai de yi shi fu mu, jie kuan ren de liu shi zhi jie dai lai ying shou neng li xia jiang, wei le huo xia qu, ping tai kai shi ya jiang cheng ben, jiang xin cai yuan deng wen ti ye sui zhi er lai, bing ban sui zhe he xin ren cai liu shi, yuan qi da shang. yu hang ye er yan, xi wang si hu dou zai bei an shen shang. zhi shi, xiao xiao de yi zhi bei an, neng fou cheng zai rang hang ye chong huo huo li de meng xiang, shi ge zhi de shang que de wen ti. 6 hu jin ping tai yan xu shang shi chao: gu zhi suo shui yu dai xue shang shi 2017 nian xia ban nian, hu jin ping tai kai qi le di yi bo shang shi chao, jin ru 2018 nian, ping tai shang shi de re qing bu jian. zai gu jia die die bu xiu de zou shi zhong, di er bo shang shi chao bei shi chang cheng wei" dai xue shang shi". qi shi, hu jin ping tai IPO mu zi e pu bian jiao di, ji bian gu jia cun zai di gu xian xiang, dan mai chu qu de bu duo, gu jia de xia die duo shi zhang mian shang de fu kui," dai xue shang shi" yi shuo zhi de shang que, qi ma dui bu tong de ping tai er yan, zhe ge ci wei bi dou shi yong. yu ping tai er yan, ci shi shang shi, yi bu zai tui chu, er shi ti sheng ge fang xin xin. zai 2018 nian de hang ye fen wei xia, shi chang dui hu jin ping tai you qi shi P2P ping tai pu bian que fa xin xin, you ci dao zhi de chu jie ren liu shi zi jin fang de bu xin ren deng yi jing dui ping tai de zi jin qu dao dai lai shi zhi xing ying xiang, shang shi you zhu yu ti sheng ge fang xin xin, zhu li qi ye du guo nan guan. ci wai, bian zheng di lai kan, hang ye da fen hua jie duan, yu tou bu ping tai er yan, ye shi kuai su shou ge shi chang de ji hui, shang shi dai lai de zi jin pin pai ji ge zhong qian zai he zuo zi yuan, neng bang zhu ping tai zai hang ye fen hua qi kuai su ti sheng shi chang di wei. suo yi, na you ren zhen de zai zuo pei ben de mai mai ne? ji ran xuan ze shang shi, ken ding shi shang shi qiang yu bu shang shi. xin qi dian yu xin ji xiang 7 kai fang ping tai cheng wei hang ye qu shi zi 2017 nian qi, ge da ju tou xiang ji tui chu le ke ji shu chu jie jue fang an, da jian kai fang ping tai, guang fan lian jie he zuo huo ban, han gai le jin rong yun ren gong zhi neng qu kuai lian da shu ju feng kong zhi neng yun ying liu liang hu tong deng he xin huan jie. bi jiao you te se de, ru ma yi jin fu de jin rong yun jie jue fang an bai du jin rong de yun fan kai fang ping tai su ning jin rong ji yu qu kuai lian de hei ming dan gong xiang ping tai deng. ci wai, heng sheng dian zi pin tai 51 xin yong ka zhong an zai xian deng xi fen hang ye tou bu ji gou, ye zai zi shen ye wu shi jian ji chu shang, kai fang te ding ye wu jie jue fang an, zou xiang le ke ji fu neng zhi lu. jin rong ke ji kai fang ping tai shu yu dian xing de sheng tai xie zuo mo shi, yi jia ji gou ti gong ji chu she shi, duo jia ji gou zai ping tai shang xie zuo, xing cheng yi ge wen gu de duo bian xi tong, zhu zhong sheng tai he zuo, yi sheng tai qu sheng. jin rong ke ji kai fang ping tai de da jian, wei zhong xiao yin hang hu lian wang jin rong ping tai de hu lian wang zhuan xing chuang zao le qi ji, yi xie cheng shang hang chi pai xiao fei jin rong gong si tong guo yu ge lei kai fang ping tai he zuo shi xian le fang dai gui mo de kuai su zeng zhang, zeng hou le li run dian, wei jin rong ke ji zhuan xing dian ding le zi jin ji chu. 8 yin hang qi dong kai fang yin hang zhan lue zhe xiang, jin rong ke ji ju tou zai da jian kai fang ping tai, ling yi bian, zhu liu de yin hang ye zou shang le kai fang zhi lu. jian hang cheng li le jin rong ke ji gong si, ping an yin hang he xing ye yin hang ji xu shen geng ke ji shu chu, pu fa yin hang xuan bu zhuan xing wu jie kai fang yin hang, wang shang yin hang fa qi fan xing ji hua you cha yi hua you shi, cai you kai fang de bi yao. yin hang ye de kai fang, mou zhong cheng du shang biao ming, tou bu yin hang ji gou de ke ji zhuan xing yi jing chu jian cheng xiao. bu guo, xiang bi jin rong ke ji gong si ke yi zhuan zhu ke ji shu chu ruo hua ye wu jing zheng se cai, dui yin hang er yan, yong yuan shi ye wu wei zhu ke ji shu chu wei fu. yi bian zai ye wu ceng mian ji lie jing zheng, yi bian jiang ke ji neng li xiang tong ye kai fang. zhe zhong kai fang, neng fou bei tong ye jie shou, hai xu yao shi chang de jian yan. 9 P2P bei an ti su, hang ye huo ying lai xin qi dian P2P bao lei chao hou, P2P bei an kai shi ti su. 2018 nian 8 yue, quan guo P2P wang dai zheng zhi ban xia fa guan yu kai zhan P2P wang luo jie dai ji gou he gui jian cha gong zuo de tong zhi, jiang bei an gong zuo da zhi fen wei san bu: yi shi li jing zi cha zi lv jian cha he xing zheng he zha deng san lun he zha, yi 2018 nian 12 yue di wei jie zhi ri qi er shi fu he tiao jian de ping tai huo zhun jie ru xin xi pi lu he chan pin deng ji xi tong, shi yun xing yi duan shi jian, ju ti shi zhang wei zhi san shi tiao jian cheng shu de ji gou an yao qiu shen qing bei an. le guan gu ji, shang shu bu zhou zou wan, zhi shao hai yao da ban nian de shi jian. P2P bao lei chao de chu xian, yu ping tai zheng chang jing ying er yan, shi yi zhong bao ji yu ping tai huo de he gui shen fen bei an er yan, ye shi yi ge cui hua ji he jia su qi. zhe da gai ke yi suan bao lei chao song gei P2P ping tai de li wu he kui zeng. yu ping tai er yan, xu yao he shi jian sai pao, zai na dao bei an qian yao xiang fang she fa bao zhu ping tai chi xu jing ying de ji ben pan mian, ji jie kuan ren chu jie ren deng yong hu ji chu he xiang dui wen ding de yuan gong dui wu. 10 pu hui jin rong ti su, B duan xiao wei jin rong cheng zhuan xing hong li 2017 nian yi lai de qiang li qu gang gan, dai lai le min ying jing ji ti de zi jin ji chu xiao ying, jia ju le min ying qi ye rong zi kun jing. sui zhe 2018 nian 7 yue fen yi lai de zheng ce jiu pian, pu hui jin rong kai shi ti su. yang hang ti chu le" san zhi jian" zheng ce zu he, zai zhai quan xin dai gu quan san ge qu dao fa li, zhu li liu dong xing liu dao min ying qi ye he zui xu yao de di fang yin bao jian hui ze ti chu" yi er wu" de mu biao, zai xin zeng gong si lei dai kuan zhong, da xing yin hang dui min ying qi ye de dai kuan bu di yu 1 3, zhong xiao xing yin hang bu di yu 2 3, san nian hou yin hang ye dui min ying qi ye de dai kuan zhan xin zeng dai kuan bi li bu di yu 50. ju yin bao jian hui shu ju xian shi, jie zhi 2018 nian 1 ji du mo, quan guo xiao wei qi ye han ge ti gong shang hu zhong, jin 1545 wan hu xiao wei qi ye huo de dai kuan, xiao wei qi ye huo dai bi li bu zu 20, reng ran ren zhong dao yuan. zai jin rong ji gou ce, ju tou chong ti chan ye hu lian wang zhan lue, zhi fu bao he wei xin jie zhu shou kuan ma jia su bu ju xiao wei shang hu jin rong, yin lian lian he yin hang tui chu xiao wei qi ye ka he shou ji POS, yue lai yue duo de feng xian zi ben ye miao zhun le 2B duan chuang ye ji gou sui zhe qi ye duan xin xi hua xian shang hua liu cheng de jia su, B duan jin rong de ji chu yue lai yue jian shi, B duan xiao wei jin rong feng kou qi, huo cheng wei zhu dao wei lai ji nian jin rong ke ji zhuan xing fang xiang de zhong yao sai dao. zhan wang 2019 li shi zong shi zai chong yan, fang yan 2019, hui you xin nian xin qi xiang, ge zhong zao dong yu hun luan ye ding bu hui que xi. qin li 2019, yuan ni men yi jiu zai zhe li.

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