行业竞争也在不断加剧 加速网贷行业内部洗牌

连月来，随着行业监管政策的落地出台，P2P行业告别野蛮生长。同时，行业竞争也在不断加剧，加速网贷行业内部洗牌。

据第三方平台网贷天眼数据显示，9月份成交额、投资人和借款人3个指标均出现数量最大的平台环比增量最大，隐隐出现两级分化的趋势，优秀平台发展迅速，小平台举步维艰。

多数普通投资者是通过P2P平台的“100%本息保障”逐渐了解并接受P2P。中赢金融董事长在接受经济观察网采访时指出，投资人不能轻信P2P平台宣传的“100%本息保障“，而是要通过企业是否拥有金融服务相关资质、有无专业信审团队及平台自身坏账率来判断平台是否靠谱。

对于P2P平台自身来说，走向规范化也是应对行业竞争的必然之举。在中赢金融圆桌论坛上，蔡奇来表示，虽然互联网金融利用互联网思维对传统金融思维的冲击。“但互联网金融离不开金融，而金融的核心还是风控。”他认为，互联网金融企业本身应当向规范化方向发展。

同时他认为，互联网金融和传统金融两者应当进行跨界融合深化。“以前的国有、官办银行，包括民营银行是一个垄断的、服务不到位的体系，但是对于中小微企业以及个人这方面，互联网金融做的更加亲民完善及时，所以说跨界融合深化是必须的。”

今年2月，中赢金融在上海股权托管交易中心正式上市。据一位法律界人士透露，在上股交挂牌，对于P2P企业来说，将有利于企业未来运行的规范化、透明化。

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