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2013年P2P平台数量和成交额增长迅速

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所属报告：

存款搬家系列报告（二）：居民存款搬家启示录为什么搬？怎么搬？-250818（28页）.pdf

打包全文图表

2013 年随着互联网金融的快速普及，P2P 网络借贷业务也获得爆炸式增长。P2P（peer to peer leeding）又称点对点网络借款，是一种将小额资金聚集起来接待给有资金需求人群的一种民间小额借贷模式，属于互联网金融产品的一类。我国 P2P 发展大致经历了四个时期：第一阶段是 2007-2010 年，2008 年受全球金融危机的影响，银行贷款难度增大，导致众多中小企业融资需求无法得到满足，P2P 网贷平台进入民间资产投资者视野，我国于 2007 年在上海成立了拍拍贷，这是国内最早的 P2P 产品。第二阶段是 2010-2015年，2011 年央行正式发放了第三方支付牌，2014 年政府工作报告指出“要深化金融体制改革，促进互联网金融健康发展”，2015 年全国两会提出“互联网+”，倡导互联网走入各个领域，在政策大力推动下，互联网金融业态进入快速发展阶段，除了上文提到的余额宝外，P2P 在这个阶段也呈现爆发式增长，网贷之家的数据显示 2013 年后 P2P 平台数量呈现大幅增长，2013-2015 年平台数量分别为 523 家、1854 家、3844 家。网贷利率虽然于2012 年后走低，但仍然远高于传统理财方式，2013-2015 年网贷利率分别为 24%、23%、17.5%、11.5%。我们认为该阶段 P2P 的迅速扩展也吸引了居民存款流入，虽然 2013 年897.1 亿的成交额相较于居民存款总量而言相对较小，但边际增量显著和极高的增长率也对存款存在一定扰动。第三阶段是 2015-2018 年，受国内经济下行的影响，P2P 信用风险频出，整个行业开始缩减，2016 年银监会等部门出台的《网络借贷信息中介机构业务活动管理暂行办法》和《网络借贷信息中介机构备案登记管理指引》，设置了准入门槛和备案制度，从严管理 P2P 市场。第四阶段是 2018 年-至今，P2P 网贷行业整体开始清退模式，逐渐退出市场。

行业数据原图定位