If the country asks you to do Internet finance, just do it steadily.

With the support of national policies and the huge potential to be tapped on the high-quality asset side, it can be basically judged from these two points alone that the future of China's P2P online lending will be better.

Although the special rectification work of P2P online lending in China has been going on for some time, and the achievements are obvious to all, many people think that the country's high attention to and standardized development of P2P online lending is seen by some as an intentional attempt to destroy P2P online lending. This is undoubtedly another silent slander for the P2P online lending industry, which has already been criticized. Of course, although this is not a big obstacle to the public's enthusiasm for P2P financial management, it always makes people waver in their attitude towards their financial management choices in this view, because they cannot judge where the development of China's P2P online lending will go in the future.

Based on this, let us put aside public opinion and the "war of words" among so-called experts and scholars in P2P online lending, and use some important objective evidence to discern the true future of the development of P2P online lending in my country.

If the country asks you to do Internet finance, you should do it steadily

Someone once said this humorously:

"Deng Xiaoping asked you to go into business, but you said you couldn't swim! Jiang Zemin asked you to trade in stocks, but you said it was a scam! Hu Jintao asked you to trade in real estate, but you said it would fall! Jack Ma asked you to do e-commerce, but you said it was just empty talk! Now Xi Jinping wants you to do Internet finance, but you said it was a scam! Many people lose their lives because of their views on new things.

All those opportunities have become a thing of the past, and it is too late to regret. Now, Xi Jinping encourages you to do Internet finance, why are you still doubting P2P online lending, the most outstanding innovative model of Internet finance? Don’t you know the true attitude of the country towards it?

I remember that at the 2016 National People's Congress, Premier Li Keqiang proposed to regulate the development of Internet finance, and this proposal has been officially written into the "13th Five-Year Development Plan". It can be said that the country supports the development of P2P online lending, which has set the tone.

Recently, Sheng Songcheng, director of the Survey and Statistics Department of the People's Bank of China, published an article in Sina column titled "Don't Just Kill P2P with One Stick Just Because There Are Problems". In the article, it is mentioned that P2P and other online loans cannot be killed with one stick just because there are problems. At the same time, it is emphasized that P2P mainly serves small and micro enterprises and weak links in the national economy, is a beneficial supplement to traditional finance, and has its own internal needs for development and broad prospects. It can be seen that the country must strictly supervise P2P online loans precisely because of "the deeper the love, the deeper the rule". The purpose of the special rectification is not to "kill the chicken to scare the monkey" and take it as a typical example to specially rectify the P2P online loan industry, but to rectify the chaos in the industry, so that P2P online loans are in a healthier growth environment and have a more promising future. Because from the perspective of revitalizing the real economy, the country needs Internet finance to help more than investors. Moreover, the country's special rectification of P2P online loans focuses on "treatment" rather than "rectification", and the purpose is to "regulate development" rather than "who to ban". As long as individual P2P platforms operate in compliance and legally, the state's efforts to increase encouragement and support them will not change.

For example, the domestic Anxindai platform with an AAA credit rating has been developing for four years and seven months since the platform was launched in 2011. It is reported that the number of registered users on the platform has exceeded 1.07 million, and the total historical transaction volume has exceeded 4.6 billion. If we only talk about the scale of the platform, Anxindai can be classified as "fine and beautiful". Although it is not as good as those "unicorn" platforms that are greedy for size, in terms of compliance supervision, Anxindai is definitely a benchmark platform in the industry. Because "obedience must be followed by the party" was proposed by Anxindai in early 2014, and the national regulatory policy was still in the making at that time. It is precisely because Anxindai has placed the spirit of responding to national supervision and strictly following national regulatory requirements in an important position in the development of the platform that Anxindai has steadily gone through four years of development and still maintained a good development momentum.

It can be seen that in this best era for P2P financial management, as long as you choose the right platform, your decision to do P2P financial management will not be wrong.

Is there really a shortage of high-quality assets in P2P online lending in China?

At this point, some people may raise a question: even though the country strongly supports P2P online lending at the policy level, the industry now says that high-quality assets are the key to the future development of P2P platforms. Will the development of P2P online lending in China be blocked here? Even the P2P online lending industry in the United States has not been very peaceful recently.

As we all know, the service objects of P2P online lending are investors on one end and borrowers on the other end. Unlike the development of P2P online lending abroad, the problem of P2P online lending abroad is on the capital side, that is, borrowers, while the key point for the development of P2P online lending in China is on borrowers, that is, the asset side. Therefore, with high-quality and abundant assets, the development vitality of P2P online lending in China will not be hindered.

The reality is that the main borrowers of P2P online loans in China are mainly small and micro enterprises with financing needs. Under the favorable policy of "mass innovation and entrepreneurship", according to statistics, there are more than 66 million small and micro enterprises in my country. According to the survey, 55% of small and micro enterprises hope to get loans within a week so as not to affect their normal operations. However, according to the existing bank management system, it is difficult to meet the needs of these small and micro enterprises only from the time effect of loan issuance. Therefore, small and micro enterprises have the characteristics of short cycle, small amount, high frequency and tight time in financing needs, and P2P online loans are more suitable for them.

Therefore, regarding the issue of high-quality assets in P2P online lending that people have always been worried about, as long as the needs of these small and micro enterprises are directed over, solving the problem of high-quality assets in P2P online lending will not be a big deal in China.

To sum up, with the support of national policies and the huge potential to be tapped on the high-quality asset side, we can basically judge that the future of China's P2P online lending will be better. If you plan to do P2P financial management, don't hesitate, and don't listen to those "gossips" that are based on nothing. As long as you are optimistic about, choose the right P2P platform, you can go for it.