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人人聚财许建文;P2P应公布坏账率统计标准逻辑 - 站长搜索
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人人聚财许建文;P2P应公布坏账率统计标准逻辑

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2015-01-12 02:09:06 转载来源: 网络整理/侵权必删

本报记者 李 冰1月9日,在南京召开的互联网金融中国行会议上,人人聚财创始人许建文在接受本报记者采访时表示:“P2P企业老板跑路主要因为财务不透明。”与此同时,他称,“2014年底人人聚财也出了一个比较大的坏账,共计1290万元,这个公司的老总把钱挪用了,现在也立案了,人人聚财目前已经进行了兜底,自己承担了这笔坏账

本报记者 李 冰

1月9日,在南京召开的互联网金融中国行会议上,人人聚财创始人许建文在接受本报记者采访时表示:“P2P企业老板跑路主要因为财务不透明。”与此同时,他称,“2014年底人人聚财也出了一个比较大的坏账,共计1290万元,这个公司的老总把钱挪用了,现在也立案了,人人聚财目前已经进行了兜底,自己承担了这笔坏账。

日前一些平台纷纷晒出自家坏账率,很多数据煞是好看,有的平台给出的坏账率低于1%,甚至是0%。

“因目前坏账率的统计口径尚无统一标准,因而在不公布自家统计标准及内在逻辑的情形下,平台公布的坏账率都似在自说自话。” 许建文认为。

据记者了解,目前流行的办法是按照贷款逾期时间来判定。那么问题来了,逾期多长时间未收回算坏账呢?常见的是3个月、6个月或12个月不等。可以肯定的是,时间定得越短,逾期转坏账的速度就越快,呈现出来的坏账率相对就越高;时间越长,坏账呈现的周期就越长,逾期转坏账的速度就越慢,坏账率相对就会越低。

大部分P2P平台的坏账率统计逻辑是:坏账率=(3个月以上的逾期金额)/放贷总额,这种逻辑下,放款额每个月大规模增长会导致坏账率大幅度下降,从而导致坏账率失真。

许建文表示,“有透明才有信任,透明化内涵包括公布坏账率及其统计标准逻辑,而不是亮出含糊其辞的数据,大打擦边球。坏账率透明化实际等于风险透明化,将真实的风险呈现给投资人,让投资人独立判断风险以作出客观选择。”

标签: 人人 聚财 许建文 建文 P2P 公布 坏账率 统计 标准


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