幸运飞艇不贪稳赚

是什么让P2P收益率下跌如此之快?最近为何又突然上升?

作者:小柠类型:整合 发布时间:2018-09-30 08:30

DANGNIANP2PGANGCHUXIANDESHIHOU,SHOUYILVNEIKEWEISHIGAODEHEREN,RANERJINJINGUOLE5NIAN,P2PSHOUYILVQUEYIDIEZAIDIE。JUTONGJISHUJUXIANSHI,2013NIANWANGDAIPINGTAIDEPINGJUNSHOUYILVWEI22.75%,2014NIANJIUJIANGDAOLE18.5%,2015NIANXIAHUAZHI13.8%,2016NIANJIXUJIANGZHI10.62%,2017NIANZEDIEPO10%WEI9.71%。HUANJUHUASHUO,5NIANSHIJIANNEI,WANGDAISHOUYILVYIJINGXIAJIANGLE50%YISHANG。

P2P收益率下跌

YOUZISHENWANGDAITOUZIZHEDUIJIZHEBIAOSHI,TAZUICHUJIECHUWANGDAISHI,WANGDAIPINGTAIDESHOUYILVZAI50%YISHANGSHIHENCHANGJIANDESHIQING。RANERZHEIMEDUONIANLAI,P2PPINGTAISHOUYILVQUEZAIYIBUBUZOUDI。CONGWANGLUOSHUJUYEKEYIKANDAO,2013NIANWANGDAIXINGYEPINGJUNSHOUYILVWEI22.75%,ER2017NIANWANGDAIXINGYEPINGJUNSHOUYILVJIN9.71%,5NIANNEISHOUYILVXIAHUAYIBANDOUBUZHI。

从整个网贷行业内部的微观层面上看,国内P2P平台曾经有过火山大爆发的时期,竞争异常激烈的“千家争鸣”格局直接导致平台的获客成本提升。在几年前,网贷平台的单位获客成本仅二、三百元,而去年有的平台获客成本上涨了10倍,已达二、三千元。而在合规费用方面,单说接银行存管一项,一般每年动辄百万元,乃至千万元,其中系统接入的固定费用在10万元到30万元,系统维护费用约为10万元/年。
幸运飞艇不贪稳赚 此外,还要按年收取存管服务费用,按交易额和交易笔数按年分级收取交易/充值费用、提现费用,这肯定会造成平台利润的下降。与此同时,平台还要不断挖掘优质资产,资产端的价码也水涨船高,平台的资金成本就进一步提升。而近几年,对接银行存管、外部审计、各种备案、加入指定的网贷行业协会等,网贷平台还要付出以上所需的合规成本,这些都会折损收益率。

CONGHONGGUANJINGJICENGMIANSHANGKAN,JINNIANLAIYANGXINGDUOCIJIANGXI、JIANGZHUN,SHICHANGLILVXIAJIANG,WANGDAIXINGYEZIRANWUFATAOTUO。CONGWANGDAIPINGTAIZISHENLAIKAN,SUIRANWANGDAIXINGYERIYIZHUANGDA,DANZHENZHENGSHIXIANYINGLIDEWANGDAIPINGTAIJINWEISHAOSHU。JINGGUODUONIANDE“SHAOQIAN”,YINGLISHIBAIZAIWANGDAIPINGTAIMIANQIANZUIXIANSHIDEWENTI,ERJIANGXIWUYISHIYIGEZUIZHIJIEYOUXIAODEFANGSHI。

幸运飞艇不贪稳赚 RANERJIUZAI2017NIAN,ZAIGUOJIADALIJIANGUANDESHIQI,P2PSHOUYILVQUECHUXIANLEYIGEXIAOFUDONGDESHANGSHENGQI。SHUJUXIANSHI,2017NIAN6YUEFEN-2017NIAN9YUEFEN,WANGDAIXINGYEZONGHESHOUYIFENBIEWEI9.3%、9.41%、9.49%、9.53%。2017NIAN10YUEFENWEIFUXIAJIANGZHI9.5%,2017NIAN11YUEFENJIAO10YUEFENXIAJIANG0.01GEBAIFENDIANZHI9.49%,SUIHOUYOUKAISHILESANLIANSHENG——2017NIAN12YUEFEN,JINNIAN1YUEFEN、2YUEFENDEZONGHESHOUYILVFENBIEWEI9.54%、9.58%、9.68%。

DUICI,YENEIRENSHIFENXIRENWEI,ZHENGTILAIKAN,JINGGUOJIANGUANQINGXI,MUQIANWANGDAIXINGYEZONGHESHOUYILVYIJINRUXIANGDUIHELIDEQUJIAN。HEGUICHENGBENDEZENGJIA,TONGSHIYIWEIZHEPINGTAIXUYAOGENGDADECHENGJIAOLIANGQUZENGJIAZISHENYINGSHOUYIQIHUODEGENGGAODELIRUN,ERXIAOFUDESHOUYILVSHANGSHENG,YESHIYIZHONGHUOKEYUNYINGSHOUDUAN。

 

金柠网网贷小贴士

RUJIN,WANGDAIXINGYEJINRUHEGUI、PINGWENFAZHANJIEDUAN,SUIRANWANGDAIPINGTAISHULIANGHAIJIANGJINYIBUXIAJIANG,BUGUOSHOUYILVJIANGJIBENQUYUWENDING,HENKENENGHUICHENGXIANSHANGXIAXIAOFUFANWEIZHENDANGDEZOUSHI。

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