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市場調查報告書

中國的線上融資產業

China Online Lending Industry Report, 2015

出版商 ResearchInChina 商品編碼 298815
出版日期 內容資訊 英文 85 Pages
商品交期: 最快1-2個工作天內
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中國的線上融資產業 China Online Lending Industry Report, 2015
出版日期: 2015年07月07日 內容資訊: 英文 85 Pages
簡介

中國第一個P2P無擔保線上小額融資平台2007年8月開設之後,中國的線上融資平台和以及市場規模持續擴大。

本報告提供中國的線上融資產業調查分析、產業概要、各地區分析、融資結構、競爭格局等相關驗證,也包含主要企業簡介等系統性資訊。

第1章 線上融資產業概要

  • 簡介
  • 發展歷史
  • 政策環境

第2章 中國的線上融資產業概要

  • 線上融資的主要方式
  • 線上融資的市場規模

第3章 線上融資的各地區分析

  • 平台的分佈
  • 銷售額的分佈
  • 貸款餘額的分佈

第4章 融資結構的分佈

  • 條件結構
  • 利率結構

第5章 競爭格局

  • 平台數
  • 銷售額、餘額排行榜
  • 受歡迎排行榜
  • 融資競爭

第6章 線上融資的主要平台

  • Shenzhen Hongling Venture Capital Investment Co., Ltd.
  • PPmoney
  • Lufax
  • Xinhehui.com
  • Weidai
  • WenZhouDai
  • TuanDai
  • JS808
  • 365edai
  • Yirendai.com
  • RenRenDai
  • YooLi
  • Itouzi
  • Hepai Online

圖表

本網頁內容可能與最新版本有所差異。詳細情況請與我們聯繫。

目錄
Product Code: ZJF075

With the continuous expansion of scale, Chinese small and medium-sized enterprises are seeing rapid growth in capital demand, and the same is true of the individual consumption. However, these fund demands cannot be fulfilled out of different reasons. On the other hand, private capital sat idle due to less investment channels. Against this backdrop, a variety of private lending models have sprung up. Thus, with the help of internet technologies, online lending industry develops speedily as well.

Since PaiPaiDAI, China's first peer-to-peer (P2P) unsecured online petty-sum lending platform, was born in Shanghai in August 2007, China's online lending platform and its market size have swelled. According to the statistical data from Wangdaizhijia, a P2P online lending platform, the number of online lending platforms grew from 50 in 2011 to 1,964 or so in the first half of 2015. Also, the transaction size increased from RMB1 billion in 2011 to around RMB252.8 billion in 2014, and then RMB234.7 billion in the first half of 2015 with a doubled YoY expected throughout this year.

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On the other hand, however, what lies behind the prosperous lending industry is a dilemma of "no threshold, no standard, and no regulation". Since 2013, the phenomenon of business close-down and bankruptcy has occurred frequently. According to incomplete statistics, the number of failed platforms in the industry reached 275 in 2014, 3.6 times that of 2013. As of June 2015, there were a total of 786 failed platforms, of which that for Jan.- Jun. 2015 amounted to 419, exceeding the full-year total in 2014.

The steady progression of online lending industry in the future will depend greatly on the introduction of relevant laws and regulations. There were no laws and regulations aiming specially at online lending in China as of the end of 2015H1.

China Online Lending Industry Report, 2015 mainly covers the followings:

  • Overview of online lending industry in China, including development history, policies and regulations, market size, regional pattern, interest rate structure, term structure, etc.;
  • Competition pattern of online lending industry in China, involving platform quantity, turnover ranking, popularity ranking, etc.;
  • Profile, main products, lending scale, lending popularity, fees and profit model, lending rate distribution, and platform financing of 14 online lending platforms including Shenzhen Hongling Venture Capital Investment Co., Ltd., Lufax, WenZhouDai, Weidai, Hepai Online, RenRenDai, TuanDai, JS808, and 365edai.

Table of Contents

1. Overview of Online Lending Industry

  • 1.1 Introduction
  • 1.2 Development History
  • 1.3 Policy Environment

2. Overview of China Online Lending Industry

  • 2.1 Main Modes of Online Lending
    • 2.1.1 Unsecured Online Lending Mode
    • 2.1.2 Secured Online Lending Mode
    • 2.1.3 Offline Mode
    • 2.1.4 Mode Comparison
  • 2.2 Market Size of Online Lending

3. Regional Analysis of Online Lending

  • 3.1 Platform Distribution
  • 3.2 Trading Volume Distribution
  • 3.3 Loan Balance Distribution

4. Distribution of Lending Structure

  • 4.1 Term Structure
  • 4.2 Interest Rate Structure

5. Competition Pattern

  • 5.1 Platform Quantity
  • 5.2 Turnover and Balance Ranking
  • 5.3 Popularity Ranking
  • 5.4 Financing Competition

6. Key Online Lending Platforms

  • 6.1 Shenzhen Hongling Venture Capital Investment Co., Ltd.
    • 6.1.1 Profile
    • 6.1.2 Main Products
    • 6.1.3 Cost Structure
    • 6.1.4 Lending Scale
    • 6.1.5 Lending Popularity
    • 6.1.6 Lending Rate
    • 6.1.7 Platform Financing
  • 6.2 PPmoney
    • 6.2.1 Profile
    • 6.2.2 Main Products
    • 6.2.3 Cost Structure
    • 6.2.4 Lending Scale
    • 6.2.5 Lending Popularity
    • 6.2.6 Lending Rate
    • 6.2.7 Platform Financing
  • 6.3 Lufax
    • 6.3.1 Profile
    • 6.3.2 Business Scope
    • 6.3.3 Operation Mode
    • 6.3.4 Lending Scale
    • 6.3.5 Lending Popularity
    • 6.3.6 Lending Rate
    • 6.3.7 Platform Financing
  • 6.4 Xinhehui.com
    • 6.4.1 Profile
    • 6.4.2 Cost Structure
    • 6.4.3 Lending Scale
    • 6.4.4 Lending Popularity
    • 6.4.5 Lending Rate
  • 6.5 Weidai
    • 6.5.1 Profile
    • 6.5.2 Business Model and Cost Structure
    • 6.5.3 Lending Scale
    • 6.5.4 Credit Structure
    • 6.5.5 Lending Popularity
    • 6.5.6 Lending Rate
    • 6.5.7 Platform Financing
  • 6.6 WenZhouDai
    • 6.6.1 Profile
    • 6.6.2 Cost Structure
    • 6.6.3 Lending Scale
    • 6.6.4 Lending Popularity
    • 6.6.5 Lending Rate
    • 6.6.6 Platform Financing
  • 6.7 TuanDai
    • 6.7.1 Profile
    • 6.7.2 Cost Structure
    • 6.7.3 Lending Scale
    • 6.7.4 Lending Popularity
    • 6.7.5 Lending Rate
  • 6.8 JS808
    • 6.8.1 Profile
    • 6.8.2 Main Products
    • 6.8.3 Cost Structure
    • 6.8.4 Lending Scale
    • 6.8.5 Lending Popularity
    • 6.8.6 Lending Rate
  • 6.9 365edai
    • 6.9.1 Profile
    • 6.9.2 Cost Structure
    • 6.9.3 Lending Scale
    • 6.9.4 Lending Popularity
    • 6.9.5 Lending Rate
  • 6.10 Yirendai.com
    • 6.10.1 Profile
    • 6.10.2 Product Structure and Charging Mode
    • 6.10.3 Lending Scale
    • 6.10.4 Lending Popularity
    • 6.10.5 Lending Rate
  • 6.11 RenRenDai
    • 6.11.1 Profile
    • 6.11.2 Financing History
    • 6.11.3 Business Scope and Operation Mode
    • 6.11.4 Cost Structure
    • 6.11.5 Lending Scale
    • 6.11.6 Lending Popularity
    • 6.11.7 Lending Rate
  • 6.12 YooLi
    • 6.12.1 Profile
    • 6.12.2 Business Model and Working Principle
    • 6.12.3 Main Products
    • 6.12.4 Lending Scale
    • 6.12.5 Lending Popularity
    • 6.12.6 Lending Rate
    • 6.12.7 Financing History
  • 6.13 Itouzi
    • 6.13.1 Profile
    • 6.13.2 Business Model and Working Principle
    • 6.13.3 Lending Scale
    • 6.13.4 Lending Popularity
    • 6.13.5 Lending Rate
    • 6.13.6 Platform Financing
  • 6.14 Hepai Online
    • 6.14.1 Profile
    • 6.14.2 Cost Structure
    • 6.14.3 Lending Scale
    • 6.14.4 Lending Popularity
    • 6.14.5 Lending Rate

Selected Charts

  • Comparison of Various Investment Products in Current Financial Market
  • Comparison between Online Lending and Traditional Lending
  • Development History of Online Lending Industry
  • Standards for Typical Unsecured P2P Lending Rates
  • Standards for Typical Secured P2P Lending Rates
  • Comparison among Three P2P Online Lending Models
  • China's Online Lending Scale, 2011-2015
  • China's Online Loan Balance, 2011-2015
  • Regional Distribution of P2P Online Lending Platforms in China by the End of 2015
  • Distribution of P2P Lending Volume in China, 2014-2015
  • China's Online Loan Balance by Major Province, 2014-2015
  • Major Online Lending Platforms in China by Loan Term, 2014-2015
  • Average Loan Term of Major Online Lending Platforms in China, 2014-2015 (Months)
  • China's Major Online Lending Platforms by Lending Rate, 2014-2015
  • Average Consolidated Interest Rate for Major Online Lending Platforms in China, 2014-2015
  • Number of Online Lending Platforms in China, 2011-2015
  • Number of Failed Online Lending Platforms in China, 2012-2015
  • Ranking of Online Lending Platforms in China by Turnover, Jan.-May 2015 (RMB mln)
  • Ranking of Online Lending Platforms in China by Loan Balance, 2015H1 (RMB mln)
  • Ranking of Online Lending Platforms in China by Number of Investors, 2015H1
  • Ranking of Online Lending Platforms in China by Number of Borrowers, 2015H1
  • Ranking of Online Lending Platforms in China by Per Capita Investment, 2015H1
  • Number of Financial Cases of Global Online Lending Platforms, 2010-2015
  • Major Types of Investment Targets of Shenzhen Hongling Venture Capital Investment
  • Standards for Lending Rates of Shenzhen Hongling Venture Capital Investment
  • Monthly Transaction Size of Shenzhen Hongling Venture Capital Investment, Jun. 2014-May 2015
  • Monthly Number of Lenders of Shenzhen Hongling Venture Capital Investment, Jun. 2014-May 2015
  • Monthly Number of Borrowers of Shenzhen Hongling Venture Capital Investment, Jun. 2014-May 2015
  • Changes in Average Monthly Interest Rates of Shenzhen Hongling Venture Capital Investment, 2014-2015
  • PPmoney's Major Wealth Investment Products by Turnover, 2014
  • PPmoney's Major Charging Items and Standards
  • PPmoney's Transaction Size and Earnings, 2013-2014 (RMB)
  • PPmoney's Number of Investors by Month, 2014
  • Changes in Average Monthly Interest Rates of PPmoney, 2014-2015
  • Lufax's Online Lending Operating Models
  • Lufax's Monthly Transaction Size, 2014-2015
  • Monthly Number of Lenders of Lufax, 2014-2015
  • Monthly Number of Borrowers of Lufax, 2014-2015
  • Changes in Average Monthly Interest Rates of Lufax, 2014-2015
  • Recent Financing of Lufax
  • Xinhehui's Major Charging Items and Standards
  • Monthly Transaction Size of Xinhehui, 2014-2015
  • Monthly Number of Lenders of Xinhehui, 2014-2015
  • Monthly Number of Borrowers of Xinhehui, 2014-2015
  • Changes in Average Monthly Interest Rates of Xinhehui, 2014-2015
  • Weidai's Business Model
  • Monthly Transaction Size of Weidai, 2014
  • Weidai's Outlet Layout, 2013-2014
  • Weidai's Lending Scale by Region, 2014
  • Weidai's term structure of Lending Scale, 2014
  • Monthly Number of Lenders of Weidai, 2014-2015
  • Monthly Number of Borrowers of Weidai, 2014-2015
  • Changes in Average Monthly Interest Rates of Weidai, 2014-2015
  • WenZhouDai's Major Charging Items and Standards
  • Monthly Transaction Size of WenZhouDai, 2014-2015
  • Monthly Number of Lenders of WenZhouDai, 2014-2015
  • Monthly Number of Borrowers of WenZhouDai, 2014-2015
  • Changes in Average Monthly Interest Rates of WenZhouDai, 2014-2015
  • Monthly Transaction Size of TuanDai, 2014-2015
  • Monthly Number of Lenders of TuanDai, 2014-2015
  • Monthly Number of Borrowers of TuanDai, 2014-2015
  • Changes in Average Monthly Interest Rates of TuanDai, 2014-2015
  • Monthly Transaction Size of JS808, 2014-2015
  • Monthly Number of Lenders of JS808, 2014-2015
  • Monthly Number of Borrowers of JS808, 2014-2015
  • Changes in Average Monthly Interest Rates of JS808, 2014-2015
  • Monthly Transaction Size of 365edai, 2014-2015
  • Monthly Number of Lenders of 365edai, 2014-2015
  • Monthly Number of Borrowers of 365edai, 2014-2015
  • Changes in Average Monthly Interest Rates of 365edai, 2014-2015
  • Monthly Transaction Size of Yirendai, 2014-2015
  • Monthly Number of Lenders of Yirendai, 2014-2015
  • Monthly Number of Borrowers of Yirendai, 2014-2015
  • Changes in Average Monthly Interest Rates of Yirendai, 2014-2015
  • RenRenDai's Lending Operation Model
  • RenRenDai's Lending Rates and the Corresponding Credit Rating
  • Monthly Transaction Size of RenRenDai, 2014-2015
  • Monthly Number of Lenders of RenRenDai, 2014-2015
  • Monthly Number of Borrowers of RenRenDai, 2014-2015
  • Changes in Average Monthly Interest Rates of RenRenDai, 2014-2015
  • Lending Operation Models of YooLi
  • Monthly Transaction Size of YooLi, 2014-2015
  • Monthly Number of Lenders of YooLi, 2014-2015
  • Monthly Number of Borrowers of YooLi, 2014-2015
  • Changes in Average Monthly Interest Rates of YooLi, 2014-2015
  • Itouzi's Platform Operating Models
  • P2P vs. P2C Models
  • Monthly Transaction Size of Itouzi, 2014-2015
  • Monthly Number of Lenders of Itouzi, 2014-2015
  • Monthly Number of Borrowers of Itouzi, 2014-2015
  • Changes in Average Monthly Interest Rates of Itouzi, 2014-2015
  • Major Charging Items and Standards of Hepai Online
  • Loan Term and Lending Rate of Hepai Online
  • Monthly Transaction Size of Hepai Online, 2014-2015
  • Monthly Number of Lenders of Hepai Online, 2014-2015
  • Monthly Number of Borrowers of Hepai Online, 2014-2015
  • Changes in Average Monthly Interest Rates of Hepai Online, 2014-2015
  • Financing Events of Global Online Lending Platform, 2010-2015
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