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网贷机构缺少一级市场实现交易的公开性和完备性,也没有二级市场提供流动性,从而导致风险定价的有效性受到局限,最终形成行业风险的过度累积用一组数据可以描画出网贷行业正在经历着守正不桡、涤旧生新的过程。截至2016年10月末,累计上线网贷机构数量约4300~4800家,其中正常运营的机构为1800~2200家,退出市场的机构为2000~3000家。2015年11月后,新增机构数量锐减,正常运营平台持续减少,2016年4月以后,机构退出市场趋势明显加快。2016年10月份全国网贷行业整体交易额为1819亿~1885亿
The lack of a primary market for network lending institutions to achieve the openness and completeness of transactions and the absence of secondary market liquidity, resulting in the effectiveness of risk pricing is limited, the final formation of the industry risk over-accumulation of a set of data can be drawn with the network The loan industry is experiencing the process of keeping one’s pace, keeping pace with life and rejuvenating students. As of the end of October 2016, the total number of online and offline lending institutions was about 4,300 to 4,800, of which 1,800 to 2,200 were normally operated and 2,000 to 3,000 were withdrawn from the market. After November 2015, the number of new institutions dropped drastically, and the normal operation platform continued to decrease. After April 2016, the exit trend of the institutions accelerated noticeably. In October 2016, the overall transaction volume of the national net loan industry was 181.9 billion to 188.5 billion