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China Online Lending Industry Report, 2015

  • July 2015
  • -
  • Research In China
  • -
  • 85 pages

With the continuous expansion of scale, Chinese small and medium-sized enterprises are seeing rapid growth in capital demand, and the same is true of the individual consumption. However, these fund demands cannot be fulfilled out of different reasons. On the other hand, private capital sat idle due to less investment channels. Against this backdrop, a variety of private lending models have sprung up. Thus, with the help of internet technologies, online lending industry develops speedily as well.

Since PaiPaiDAI, China’s first peer-to-peer (P2P) unsecured online petty-sum lending platform, was born in Shanghai in August 2007, China's online lending platform and its market size have swelled. According to the statistical data from Wangdaizhijia, a P2P online lending platform, the number of online lending platforms grew from 50 in 2011 to 1,964 or so in the first half of 2015. Also, the transaction size increased from RMB1 billion in 2011 to around RMB252.8 billion in 2014, and then RMB234.7 billion in the first half of 2015 with a doubled YoY expected throughout this year.

On the other hand, however, what lies behind the prosperous lending industry is a dilemma of “no threshold, no standard, and no regulation”. Since 2013, the phenomenon of business close-down and bankruptcy has occurred frequently. According to incomplete statistics, the number of failed platforms in the industry reached 275 in 2014, 3.6 times that of 2013. As of June 2015, there were a total of 786 failed platforms, of which that for Jan.- Jun. 2015 amounted to 419, exceeding the full-year total in 2014.

The steady progression of online lending industry in the future will depend greatly on the introduction of relevant laws and regulations. There were no laws and regulations aiming specially at online lending in China as of the end of 2015H1.

China Online Lending Industry Report, 2015 mainly covers the followings:

Overview of online lending industry in China, including development history, policies and regulations, market size, regional pattern, interest rate structure, term structure, etc.;
Competition pattern of online lending industry in China, involving platform quantity, turnover ranking, popularity ranking, etc.;
Profile, main products, lending scale, lending popularity, fees and profit model, lending rate distribution, and platform financing of 14 online lending platforms including Shenzhen Hongling Venture Capital Investment Co., Ltd., Lufax, WenZhouDai, Weidai, Hepai Online, RenRenDai, TuanDai, JS808, and 365edai.

Table Of Contents

China Online Lending Industry Report, 2015
1. Overview of Online Lending Industry
1.1 Introduction
1.2 Development History
1.3 Policy Environment

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

3. Regional Analysis of Online Lending
3.1 Platform Distribution
3.2 Trading Volume Distribution
3.3 Loan Balance Distribution

4. Distribution of Lending Structure
4.1 Term Structure
4.2 Interest Rate Structure

5. Competition Pattern
5.1 Platform Quantity
5.2 Turnover and Balance Ranking
5.3 Popularity Ranking
5.4 Financing Competition

6. Key Online Lending Platforms
6.1 Shenzhen Hongling Venture Capital Investment Co., Ltd.
6.1.1 Profile
6.1.2 Main Products
6.1.3 Cost Structure
6.1.4 Lending Scale
6.1.5 Lending Popularity
6.1.6 Lending Rate
6.1.7 Platform Financing
6.2 PPmoney
6.2.1 Profile
6.2.2 Main Products
6.2.3 Cost Structure
6.2.4 Lending Scale
6.2.5 Lending Popularity
6.2.6 Lending Rate
6.2.7 Platform Financing
6.3 Lufax
6.3.1 Profile
6.3.2 Business Scope
6.3.3 Operation Mode
6.3.4 Lending Scale
6.3.5 Lending Popularity
6.3.6 Lending Rate
6.3.7 Platform Financing
6.4 Xinhehui.com
6.4.1 Profile
6.4.2 Cost Structure
6.4.3 Lending Scale
6.4.4 Lending Popularity
6.4.5 Lending Rate
6.5 Weidai
6.5.1 Profile
6.5.2 Business Model and Cost Structure
6.5.3 Lending Scale
6.5.4 Credit Structure
6.5.5 Lending Popularity
6.5.6 Lending Rate
6.5.7 Platform Financing
6.6 WenZhouDai
6.6.1 Profile
6.6.2 Cost Structure
6.6.3 Lending Scale
6.6.4 Lending Popularity
6.6.5 Lending Rate
6.6.6 Platform Financing
6.7 TuanDai
6.7.1 Profile
6.7.2 Cost Structure
6.7.3 Lending Scale
6.7.4 Lending Popularity
6.7.5 Lending Rate
6.8 JS808
6.8.1 Profile
6.8.2 Main Products
6.8.3 Cost Structure
6.8.4 Lending Scale
6.8.5 Lending Popularity
6.8.6 Lending Rate
6.9 365edai
6.9.1 Profile
6.9.2 Cost Structure
6.9.3 Lending Scale
6.9.4 Lending Popularity
6.9.5 Lending Rate
6.10 Yirendai.com
6.10.1 Profile
6.10.2 Product Structure and Charging Mode
6.10.3 Lending Scale
6.10.4 Lending Popularity
6.10.5 Lending Rate
6.11 RenRenDai
6.11.1 Profile
6.11.2 Financing History
6.11.3 Business Scope and Operation Mode
6.11.4 Cost Structure
6.11.5 Lending Scale
6.11.6 Lending Popularity
6.11.7 Lending Rate
6.12 YooLi
6.12.1 Profile
6.12.2 Business Model and Working Principle
6.12.3 Main Products
6.12.4 Lending Scale
6.12.5 Lending Popularity
6.12.6 Lending Rate
6.12.7 Financing History
6.13 Itouzi
6.13.1 Profile
6.13.2 Business Model and Working Principle
6.13.3 Lending Scale
6.13.4 Lending Popularity
6.13.5 Lending Rate
6.13.6 Platform Financing
6.14 Hepai Online
6.14.1 Profile
6.14.2 Cost Structure
6.14.3 Lending Scale
6.14.4 Lending Popularity
6.14.5 Lending Rate

Companies Mentioned
Shenzhen Hongling Venture Capital Investment Co., Ltd.
Hepai Online

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