Commercial banks in transition
with the financial hit the Internet, P2P loans were the more known, slightly "aggressive" investors to chase higher returns on P2P for fun. Not the stock of loans but the main problem is not a lack of funding for P2P industry these days, but the lack of good projects. High quality small business and consumer loans are becoming parties to compete for the "meat and potatoes".
due to net interest margin narrowed, policies and other factors, no stock of loans commercial banks in adjusting the structure of customers, not the stock of loans from large and medium enterprises towards support services small business. In addition, the pilot's main mode of private bank also includes "services to local small business and financial consumer." P2P companies want to break, only innovation to survive.BACK