20 12 and 20 13 are the periods of P2P expansion, and 20 15 is the period of its crazy expansion. In 20 17, the peak loan balance exceeded 100 million, and in 20 18, the whole P2P industry was cleared. After all, P2P finally ended on the historical stage. In this process, many financial technology platforms listed in the United States, such as online lending platforms, auction loans, you and me loans, etc., have successively disclosed that online lending business has been cleared, and more and more platforms have also transformed into loan-assisting business through output technology.

First, the number of P2P actually operated in China has completely gone to zero. 165438+1On October 27th, Liu Fushou, the chief lawyer of the CBRC, said in an open forum:

Internet financial risks have fallen sharply. The number of P2P online lending institutions actually operating in China has gradually dropped from about 5,000 at the peak to zero in mid-June this year. ? Liu Fushou introduced the great achievements made in the tough battle to prevent and resolve financial risks at the routine briefing of the State Council policy. Among them, the number of P2P online lending institutions actually operating in the country has dropped from about 5,000 at the peak to 3; The scale of lending and the number of participants declined for 28 consecutive months.

Second, supervision? Clear signal? It is becoming increasingly clear that. In addition to strengthening the retirement of P2P, more provinces are also accelerating the retirement of online lending platforms in their jurisdictions. The Office of the Leading Group for Preventing and Resolving the Risks of Peer-to-Peer Lending Industry announced that the seventh batch of two online lending platforms in the province voluntarily withdrew, announcing that the online lending business was settled. However, only 1% platform cleaned up the online loan business and successfully completed the transformation. After all, they can only survive by relying on the strong strength of shareholders.

Third, early transformation can survive successfully. Faced with this situation, many P2P companies can only transform into loan-assisting business, and there are three modes: diversion mode, financing guarantee mode and joint belt mode. In any case, online lending companies can only be left behind by the market and have room for survival if they successfully transform.