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2016年,P2P利率跌破10%会成为新常态,业内预测会在6%-10%之间。2015年的P2P行业在经历了去年的狂飙式发展后,迎来越来越多的“国家队”入驻,未来突破10万亿体量的市场预期也为P2P领域招来更多资本注入。不过与市场热情高涨相反的是,P2P平台利率有走低态势。业内预测,2016年P2P利率将进入10%以下的新常态,而随着征信环境完善,对经济下行压力适应性提高,P2P行业的资产荒有望缓解,但一场行业大洗牌、不合规小平台大量死亡将不可避免。
In 2016, P2P interest rates below 10% will become the new normal, and the industry forecast will be between 6% and 10%. P2P market in 2015 ushered in more and more “national team” after experiencing the last year’s boom-boggling. In the future, the market expectation of exceeding 10 trillion yuan will also attract more capital inflow into the P2P field. However, contrary to market enthusiasm, P2P platform interest rates have been declining. The industry predicts that P2P interest rates will enter the new normal of 10% or below in 2016, and as the credit environment improves, the resilience to downward pressure on the economy will increase, and the shortage of assets in the P2P industry is expected to ease. However, an industry reshuffle greatly, Large number of deaths will be inevitable.