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现金贷的杠杆率有多高

来源: 南方日报网络版     时间: 2019年09月19日 18:36:04
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(原)(标)(题)(:现)(金)(贷)(的)(杠)(杆)(率)(有)(多)(高)(
现)(金)(贷)(由)(于)(其)(增)(长)(迅)(猛)(,业)(务)(规)(模)(比)(较)(庞)(大)(,目)(前)(多)(家)(公)(司)(在)(海)(外)(上)(市)(,引)(发)(市)(场)(关)(注)(,许)(多)(人)(的)(着)(眼)(点)(还)(是)(风)(险)(。
现)(金)(贷)(我)(们)(定)(义)(为)(小)(额)(、短)(期)(、无)(抵)(押)(、不)(依)(赖)(于)(消)(费)(场)(景)(的)(贷)(款)(。目)(前)(绝)(大)(多)(数)(的)(现)(金)(贷)(都)(是)(短)(期)(的)(,三)(个)(月)(以)(内)(为)(最)(多)(,有)(部)(分)(在)(半)(年)(到)(一)(年)(之)(间)(,超)(过)(一)(年)(的)(就)(比)(较)(少)(,而)(且)(往)(往)(都)(是)(拿)(平)(台)(的)(自)(有)(资)(金)(放)(贷)(。
从)(额)(度)(来)(看)(,大)(多)(额)(度)(都)(比)(较)(低)(,比)(如)(现)(金)(巴)(士)(的)(额)(度)(就)(在)(1000元)(以)(下)(,信)(而)(富)(在)(6000元)(以)(下)(,用)(钱)(宝)(在)(5000元)(以)(下)(,有)(些)(最)(高)(限)(额)(比)(较)(高)(,比)(如)(手)(机)(贷)(是)(10000元)(,有)(些)(还)(超)(过)(1万)(元)(的)(额)(度)(,根)(据)(借)(款)(者)(本)(人)(的)(资)(信)(情)(况)(给)(予)(贷)(款)(。
要)(判)(断)(现)(金)(贷)(的)(风)(险)(,主)(要)(看)(杠)(杆)(率)(。现)(金)(贷)(的)(杠)(杆)(可)(以)(定)(义)(为)(两)(类)(:一)(类)(是)(消)(费)(者)(的)(杠)(杆)(,也)(就)(是)(消)(费)(者)(同)(一)(时)(间)(段)(累)(计)(借)(款)(跟)(其)(收)(入)(的)(对)(比)(。
现)(在)(市)(场)(上)(公)(认)(的)(现)(金)(贷)(客)(户)(是)(三)(四)(五)(线)(城)(市)(白)(领)(,进)(城)(务)(工)(者)(和)(工)(薪)(族)(等)(中)(低)(收)(入)(人)(群)(。从)(上)(述)(额)(度)(来)(看)(,基)(本)(是)(消)(费)(者)(一)(个)(月)(的)(收)(入)(,或)(者)(略)(高)(。如)(果)(是)(在)(校)(大)(学)(生)(这)(样)(的)(无)(收)(入)(者)(,现)(金)(贷)(的)(杠)(杆)(率)(显)(然)(是)(放)(得)(过)(大)(,这)(也)(许)(是)(监)(管)(层)(叫)(停)(校)(园)(网)(络)(贷)(款)(的)(原)(因)(之)(一)(。
当)(然)(作)(为)(消)(费)(者)(的)(杠)(杆)(率)(,最)(危)(险)(的)(是)(多)(头)(借)(贷)(,以)(贷)(还)(贷)(,这)(是)(平)(台)(必)(须)(通)(过)(风)(控)(系)(统)(杜)(绝)(的)(,网)(络)(借)(贷)(平)(台)(和)(金)(融)(机)(构)(必)(须)(进)(行)(客)(户)(信)(贷)(数)(据)(共)(享)(。即)(使)(按)(照)(36%的)(利)(息)(计)(算)(,如)(果)(还)(不)(起)(贷)(款)(,利)(滚)(利)(,就)(会)(让)(一)(个)(消)(费)(者)(陷)(入)(高)(利)(贷)(深)(渊)(。不)(过)(,这)(种)(情)(况)(不)(会)(引)(致)(系)(统)(性)(风)(险)(,但)(会)(引)(发)(社)(会)(事)(件)(,这)(是)(现)(金)(贷)(平)(台)(必)(须)(要)(警)(戒)(的)(。
更)(为)(重)(要)(的)(是)(现)(金)(贷)(平)(台)(的)(杠)(杆)(率)(,就)(是)(其)(信)(贷)(资)(产)(跟)(资)(本)(金)(的)(比)(率)(,按)(照)(目)(前)(监)(管)(层)(的)(精)(神)(,网)(贷)(平)(台)(不)(能)(吸)(纳)(存)(款)(,只)(是)(一)(个)(信)(息)(中)(介)(。
从)(目)(前)(公)(开)(信)(息)(看)(,现)(金)(贷)(资)(金)(来)(源)(主)(要)(是)(包)(括)(自)(有)(资)(金)(、信)(贷)(资)(产)(转)(移)(、信)(托)(计)(划)(、其)(他)(P2P平)(台)(和)(一)(些)(传)(统)(银)(行)(的)(信)(贷)(资)(金)(等)(。媒)(体)(关)(注)(的)(信)(托)(计)(划)(,这)(部)(分)(资)(金)(一)(般)(来)(源)(于)(大)(型)(企)(业)(和)(一)(些)(高)(净)(值)(客)(户)(,因)(为)(有)(投)(资)(人)(数)(限)(制)(和)(额)(度)(限)(制)(,属)(于)(私)(募)(性)(质)(,即)(使)(出)(现)(违)(约)(问)(题)(,也)(在)(信)(托)(法)(律)(框)(架)(内)(解)(决)(,很)(难)(影)(响)(到)(社)(会)(层)(面)(。
信)(贷)(资)(产)(转)(移)(就)(是)(所)(谓)(的)(ABS,有)(统)(计)(显)(示)(,从)(2016年)(10月)(以)(来)(,以)(小)(额)(信)(贷)(为)(基)(础)(资)(产)(的)(ABS,发)(行)(规)(模)(就)(达)(到)(2343.6亿)(元)(,共)(109只)(,占)(ABS总)(规)(模)(的)(34%。发)(行)(企)(业)(包)(括)(瀚)(华)(小)(贷)(、蚂)(蚁)(金)(服)(、小)(米)(小)(贷)(、pintec集)(团)(、百)(度)(金)(融)(、阿)(里)(小)(贷)(等)(15家)(商)(业)(主)(体)(。这)(些)(产)(品)(在)(银)(行)(间)(市)(场)(发)(行)(,购)(买)(主)(体)(是)(银)(行)(,相)(当)(于)(银)(行)(的)(资)(金)(进)(入)(小)(额)(信)(贷)(业)(务)(包)(括)(现)(金)(贷)(。
尽)(管)(银)(行)(手)(里)(有)(信)(贷)(资)(产)(,但)(是)(如)(果)(这)(些)(信)(贷)(资)(产)(出)(现)(违)(约)(,银)(行)(就)(要)(承)(担)(风)(险)(。而)(且)(ABS的)(利)(率)(也)(不)(低)(,因)(为)(要)(给)(律)(师)(会)(计)(师)(等)(中)(介)(费)(,年)(化)(利)(率)(在)(9%以)(上)(。
P2P网)(贷)(也)(是)(现)(金)(贷)(资)(金)(来)(源)(的)(重)(要)(方)(面)(,据)(业)(内)(透)(露)(,P2P的)(资)(金)(成)(本)(大)(约)(在)(12%以)(上)(,这)(部)(分)(资)(金)(成)(本)(非)(常)(高)(。P2P的)(资)(金)(如)(果)(进)(入)(现)(金)(贷)(,资)(金)(没)(有)(直)(接)(进)(入)(实)(体)(经)(济)(,而)(是)(在)(此)(经)(过)(互)(金)(平)(台)(倒)(手)(,相)(当)(于)(徒)(然)(放)(大)(了)(资)(金)(成)(本)(,类)(似)(于)(最)(近)(几)(年)(金)(融)(业)(屡)(禁)(不)(止)(的)(顽)(疾)(——资)(金)(空)(转)(。
另)(外)(更)(值)(得)(重)(视)(的)(是)(传)(统)(银)(行)(的)(资)(金)(进)(入)(现)(金)(贷)(,包)(括)(一)(些)(中)(小)(银)(行)(的)(授)(信)(,因)(为)(这)(些)(做)(法)(不)(合)(乎)(监)(管)(,但)(是)(已)(经)(超)(过)(1万)(亿)(的)(庞)(大)(规)(模)(,没)(有)(银)(行)(资)(金)(的)(加)(入)(是)(难)(以)(想)(象)(的)(。
现)(金)(贷)(本)(身)(是)(一)(个)(比)(较)(好)(的)(金)(融)(产)(品)(,未)(来)(的)(监)(管)(主)(基)(调)(应)(该)(是)(信)(息)(及)(时)(透)(明)(,杜)(绝)(银)(行)(资)(金)(进)(入)(平)(台)(,压)(低)(综)(合)(利)(率)(到)(合)(理)(水)(平)(,降)(低)(个)(人)(和)(平)(台)(的)(杠)(杆)(率)(。返)(回)(搜)(狐)(,查)(看)(更)(多)(
责)(任)(编)(辑)(:
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