Where do users go when individuals bid for loans and decline in low interest rates-三色网 333se.cc

Person to the bank’s loan volume decline low interest era where user – reporter Yin Peng in 2015 five times the central bank cut the deposit and lending rates, let us enter the era of low interest. As an individual, in this year of borrowing from the bank’s situation is how? Bank loan business volume declined year by year "in 2015 the rate of net 360° survey data bank evaluation report" in 2015 to the bank’s personal loan volume decline, a decline of 3.23 percentage points. From the past 5 years the overall trend, is showing a trend of decline. Why in the rate cut cycle, the amount of users to the banks for loans declined. The current bank personal loans are divided into loans, consumer loans, car loans and personal business loans. In 2015, in addition to individual housing loans rose, the overall decline in other types of loans. Bank rate network analyst Yan Bokai believes that people buy is a loan bid for most loans to banks by bank evaluation data in recent years can be seen, the mortgage amount bid proportion has remained above 50% in 2011 is a historical peak reached 77.42%. The current price to buy loans ranging from hundreds of thousands of dollars to more than a million yuan, and a loan is a few years. The demand for loans is other borrowing channels can not solve, let the banks have the advantage richly endowed by nature. And other personal loans, many financing channels can be solved, and the solution is better than the bank. This is one of the reasons people loans declined year by year. In 2015 the main force of the bank approved loans are mainly concentrated in the age 25-40, annual income of 6-20 million, bachelor degree, living in coastal and developed areas of user groups. In the eyes of other financing channels, the bank holds a group of high-quality customers, let a person envy envy hate. The bank holds the national high quality credit resources. But in the pursuit of high quality of credit assets at the same time, also sacrificed a lot of potential loan users, this is the reason people loans decreased year by year two. The cost of bank loans low slow for personal loans, there are two of the most concern, one is borrowing costs, the two is the speed of money. From the borrower in the bank loan interest rate final approval. Most people get the loan interest rate is lower than the central bank benchmark interest rate, financing costs are significantly lower than other lending channels. Consumer loans and business loans for borrowers to cycle is long, significantly slower than other lending channels. The Jingdong IOUs, Taobao, Tencent borrowed loan Bai particles as the representative of the online loan products, is the second batch of fingertips can do "". Private financing is the name of the day and the day of loan signs, to solve the problem in a few days. So the shift is due to loan loan period users decline three. The bank must consider many factors controlling costs and risk in loan product approval, can not do other financing channels as flexible, but the future is in the approval process is fully optimized space. P2P net loan business platform and become the theory

个人向银行申办贷款量下滑 低息时代用户去哪了    □本报记者 殷鹏    2015年央行连续五次下调存贷款利率,让我们进入低息时代。作为个人,在这一年向银行借款的情况又是如何呢?    银行个贷业务量逐年下滑    《2015年银率网360°银行评测报告》的调查数据中显示,2015年个人向银行申办贷款量出现下滑,降幅达3.23个百分点。而从近5年整体的走势来看,呈现出的是一个下滑大趋势。为什么在降息周期内,向银行申请贷款的用户量不升反降呢。    目前银行个人贷款主要分为房贷、消费贷、车贷和个人经营贷。在2015年除个人住房贷款上涨之外,其他各类贷款全面下滑。    银率网分析师闫博锴认为,贷款买房是老百姓向银行申办最多的贷款,通过近几年的银行评测数据可以看到,房贷申办量所占比重一直保持在50%以上,2011年更是达到77.42%的历史峰值。目前的房价让买房人贷款额少则几十万元多则上百万元,而且一贷就是几十年。这种贷款需求是其他借款渠道无法解决的,这让银行有了得天独厚的优势。    而其他个人贷款问题,很多融资渠道都能解决,而且解决得比银行更好。这是贷款人群逐年下降的原因之一。    在2015年通过银行获批贷款的主力军主要集中在年龄在25-40岁,年收入在6-20万,本科学历,生活在沿海和经济发达地区的用户群体。在其他融资渠道眼中,银行掌握着一群优质的客户,让人羡慕嫉妒恨。可见,银行掌握着全国高质量的信贷资源。但在追求高质量信贷资产的同时,也牺牲掉了很多的潜在的贷款用户,这是贷款人群逐年下降的原因之二。    通过银行贷款成本低速度慢    对于个人借款来说,大家最关注的无外乎两点,一是借钱成本,二是拿钱的速度。从借款人在银行最终获批的贷款利率来看。大部分人拿到的贷款利率都要低于央行基准贷款利率,融资成本明显要低于其他贷款渠道。    消费型贷款和经营贷款在办理周期上对借款人来说有点长,明显慢于其他贷款渠道。以京东白条、淘宝的借呗、腾讯的微粒贷为代表的网络贷款产品,都是动动手指就能做到“秒批”。民间融资更是打着当天审批当天放款的招牌,在几天内解决问题。所以贷款周期的此消彼长是贷款用户下降的原因之三。    银行在贷款产品审批时要考虑很多成本和风控因素,无法做到其他融资渠道那样灵活,但未来在审批流程上完全有优化空间。    P2P网贷和电商平台成为大家的首选。而这两个渠道正是互联网金融的代表。近几年借助各大电商在双十一、双十二等网络购物节的大力推广,让网络贷款迅速为大众所熟知和使用。已经超过民间借贷、小贷公司、汽车金融公司等传统的线下融资渠道,也逐步分流着银行借贷模式。这也是个人贷款申办量逐年下滑的原因之四。    过去金融市场是不理性的,信息是不完全的,也是不对称的,但现在已经进入了数字时代。大家拿着智能手机,带着智能设备,上街买菜和发个红包都不用现金了,个人的信息也变得数字化,信息的不完全和不透明正在消逝,这对借贷双方都是大大的利好。未来谁能掌握和用好大数据,用心去贴近用户实际需要,谁就会获得用户青睐。 进入【新浪财经股吧】讨论相关的主题文章: