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农村是P2P真正的金矿吗
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Topic: 农村是P2P真正的金矿吗 (Read 287 times)
jsgayo
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农村是P2P真正的金矿吗
May 27, 2015, 02:44:01 AM
#1
最近有一篇文章的转载率很高,题目叫《农村P2P贷款:被遗忘的金矿》。它的中心意思就是:“农村市场是P2P真正的金矿,但被人们遗忘了,应该尽快去开发。”
我不知道该文的作者是否在农村生活过,是否了解农村金融的现状。在笔者这个基本上没离开过农村范围的农家子弟看来,这篇文章有些“纸上谈兵”了,把农村P2P想的过于美好。在这里,笔者想提出“被遗忘的金矿”一文没有涉及到的几个问题,供读者思考,看看农村到底是不是一座被遗忘的金矿。
第一个问题:到目前为止,绝大多数的农村依然处于熟人关系占统治地位的社会关系之下,连农村信用社都不敢贷款的人,P2P贷款平台敢做他的买卖?
在我熟知的一些农村地区,农村信用社在自己下辖的每个村子中都有一个或几个“保人”。农民想要办小额贷款业务,如果自己没有足够的实力、名气和信誉作为担保,那一般要去找这位“保人”做担保。这位“保人”,基本满足这几个条件中的全部或绝大多数:“在村中有声望,有信誉,有地位,家族势力大、经济基础强。”有这样的人作担保,才可以放心的把钱贷出去。如果某位农民,无法从自己当地的信用社贷款,那只能说明两点:一,他本身缺乏还贷实力;二,他找不到“保人”。试问,在人情味道很浓的农村都没有人肯做担保的人,“人性”会怎么样呢?应该会差到极点。众所周知,P2P贷款平台所服务的对象均属于“高危人群”,他们胆子大。但胆子再大,你敢贷款给这样的人吗?这样的人不在乎信用卡之类的玩意儿,也不在乎信誉。试想,连村里人都不理的主儿要是跑了,你到哪里去找他?只有后悔去吧!
第二个问题,农民是不是真的敢把自己的闲散资金交给“虚无”的P2P贷款平台。
说句不好听的话,P2P贷款平台进入农村,说到底,还是想收集农民的资金,然后放出去“空手套白狼”,赚取中间费用。不过,现在的农民是不是那么好“糊弄”就不一定了。农村民间的借贷关系,在我接触的范围内,目前还算健康有序。一般情况下,有“闲钱”的农民是不会把自己的钱随意放出去的。他们一般会选择两种途径处理自己的资金,一是去存款,二是以较高的利息借给一些当地企业或者“买卖人”。而这些企业和“买卖人”,绝大多在当地信誉比较好、有极强的实力,大家“知根知底”。并且,这些借款人,基本上都有实业,一旦放贷无法收回,农民可以拿他们不同形式的实体作为补偿。P2P贷款平台进入农村,P2P公司把钱弄到哪里去、去做什么都不透明,谁会把钱给这些虚无的网络平台使用呢?最近几年,很多小额贷款公司纷纷跑路已经让农民学聪明了,他们的钱还就真不好糊弄。
第三个问题,在城市搞的一塌糊涂的P2P,自身的问题还没理顺清楚,就要进入农村,要是把农村市场再祸害坏了,那P2P的退路就不多了。
P2P的现状究竟是什么样子?很多人在说好,说很有前景,但与此同时却有很多的P2P圈钱跑路了,这就是现实。由于缺乏有效监管,目前整个P2P行业还属于无序时期。《中国支付清算行业运行报告2015》披露,“2014年末我国共有P2P网贷平台2358家,全年新增P2P平台1825家;而2014年出现停止经营、提现困难、失联跑路等问题的P2P网贷平台共计287家,比上年增加了212家,增长282.67%。”这种局面下,P2P行业需要的是理顺清楚思路,需要的是有效的监管,需要的是优胜劣汰,而不是转移阵地,把“祸水”引向农村。在我印象里,很多在县一级市场红火一时然后跑路的小额贷款公司,基本上是把资金投入到高危行业无法收回后逃跑的,而有些在城市跑路的P2P公司,干脆就直接是为了圈钱,一旦这些P2P平台进入农村继续行骗,把农村市场搞乱,让P2P失去公信力,那今后P2P的退路在哪里呢?
在笔者看来,与其说农村是P2P真正的金矿,还不如说农村是一块需要大力保护、慎重开发的净土。如果莽撞的进入,弊会远远大于利。说农村是P2P真正金矿的人,您真的想清楚了吗?
作者:姜伯静 | 来源:iDoNews 专栏
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