Albany, NY -- (ReleaseWire) -- 04/01/2014 -- With the continuous expansion of scale, China’s small and medium-sized enterprises are seeing rapid growth in capital requirements, but often shut out by large commercial banks on the grounds of unsound financial system, lack of pledged assets, etc.. Thus, a variety of private lending models have emerged, and online lending industry following the development of internet technology came into being.
Since the establishment of the first domestic peer-to-peer (P2P) unsecured online petty-sum lending platform – PaiPaiDAI in Shanghai in August 2007, China has experienced swelling online lending platform and market size. Based on statistical data, the number of online lending platforms grew from 50 in 2011 to 800 or so in 2013, accompanied by transaction size of about RMB100 billion in 2013.
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However, some problems are also interlaced with the dramatic development. It is estimated that 71 platforms declared bankruptcy in 2013, including 54 in the fourth quarter alone. The industry characterizes “no threshold, no standard, no regulation” behind the prosperity, resulting in mess and chaos.
The steady progression of online lending industry in the future will depend on the introduction of relevant laws and regulations. There are no laws and regulations aiming specially at online lending in China as of March 2014.
Table of Content
1. Overview of Online Lending Industry
1.2 Development History
1.3 Policy Environment
1.4 Comparison between Online Lending and Traditional Lending
2. Overview of China Online Lending Industry
2.1 Main Modes of Online Lending
2.1.1 Unsecured Online Lending Mode
2.1.2 Secured Online Lending Mode
2.1.3 Offline Mode
2.1.4 Mode Comparison
2.2 Market Size of Online Lending
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3. Regional Analysis of Online Lending
3.1 Platform Distribution
3.2 Turnover Distribution
4. Distribution of Lending Structure
4.1 Term Structure
4.2 Interest Rate Structure
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