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2017年11月贷罗盘数据月报(2305家平台)

2023-05-10 14:56:27

十一月点评

大家好,又见面了。我是本次月报编辑小罗。

11月是个吉利的月份,行业发生多起大额融资,玖富拿到了中国信达数亿美元的战略投资,还有金储宝A轮数千万,虹金所A轮3000万,以及礼德财富的B轮7500万。

在如此残酷的市场竞争和政策收缩的情况下,还能拿到大手笔的投资,对行业来说是一针兴奋剂。

恭喜这些平台!

这几个月又正好是互金企业的赴美上市潮,所以,把这些事件结合起来看,行业的未来还是充满美好想象的。

11月的问题平台依然保持高位,63家,和我们上个月的预期保持一致,临近年底,这几个月暴雷平台肯定不会少。

新上线平台倒是突然增加到了20家,有点出乎意料。但仔细看会发现很多平台都是老牌平台衍生出的新平台,比如宜湃网就是宜贷网母公司重新开设一家平台,这样做的目的是把资产分割的更加清楚,可以

更方便的应对政策的变化。

双11的促销拉资金和临近年底的资金退出形成了一次对冲,所以11月行业的数据方面变化不大,我们预计往后3个月资金会不断回流银行去过冬,怎么样拉住资金是对平台的一次考验。





部分平台点评


  • 人人贷

本月综合排名第3,排名上升2位。近期一线平台的赴美上市潮,人人贷迟迟没有动作反倒让人感觉疑惑,作为国内标准的老牌一线平台,上市需要的各类条件都已经符合,现在还没有动静可能内部在做调整或等规模进一步扩大后选择上市。


  • 拍拍贷

本月综合排名第4,排名下降1位。拍拍贷上市后遭遇现金贷的政策整顿,随着趣店的大幅下跌,也影响了拍拍贷股价的表现。虽说已经跌倒了7.5左右的价位,但市盈率依然很高,在27左右,相比宜人贷,趣店13左右的市盈率,价格依然偏高。P2P投拍拍贷小罗认为没什么问题,目前去抄底倒是不太建议。

  • 宜人贷

本月综合排名第2,排名上升2位。宜人贷这种已经上市的一线平台,在年底实际上非常占便宜,大量的避险资金都将回到宜人贷过冬,近期的资金流表现也比较强势。


  • 果树财富

果树财富在11月的资金流表现尚可,这种有上市公司背景的B轮平台,3月标收益还能达到13%的真的不多,相比某些一线车贷平台7%左右的收益率,几乎是2倍,将贷款利润大部分让利给了投资人,实属离良心,这也是入选贷罗盘示范投资的主要原因。


  • 沪商财富

沪商财富和果树财富一样同属天鸽系,同样也是车贷平台,走近期数据来看,资金链呈现稳定的流入状态,属于不差钱状态。加上很有竞争力的收益率,也是很值得考虑的平台。


  • 一点通财富

一点通财富是本期新进入贷罗盘示范投资的平台,已经完成了华兴银行的资金存管,资金面上较为健康,模式上还是走汽车抵押质押业务,小额分散,系统性风险是偏低的。3月标13%的收益率对投资人来说也比较具备吸引力。


  • 星火钱包

星火钱包和其他平台模式不一样,属于网基平台,核心竞争力是对平台的风控判断,目前在国内的网基平台来说比较知名,下属的星火研究院的测评也比较专业,大家有空可以去看看。A轮融资和银行存管都已落地,系统性风险偏低。





贷罗盘示范投资

示范投资为贷罗盘自有资金进行投资示范,可供广大投资人参考


贷罗盘示范投资1号(稳健型)

陆金服       5.48%   12万

宜人贷       7.40%   12万

开鑫金服   7.10%   12万

链家理财   6.48%   10万

信而富      7.01%    10万

有利网       8.00%   10万

人人贷       8.80%   10万



贷罗盘示范投资2号(平衡型)

投哪网      10.00%  10万

翼龙贷       7.30%    5万

搜易贷      7.30%     5万

玖富          8.00%    10万

拍拍贷      7.20%     5万

微贷网       6.86%    5万

花虾金融   8.50%    10万


贷罗盘示范投资3号(收益型)

一点通财富 13.00%    5万

果树财富    12.50%   5万

沪商财富    14.40%   5万

钱盆网       14.00%   5万

小微时贷    15.50%   5万

中业兴融    11.50%   5万


贷罗盘活期示范投资(高流动型)

星火钱包    6.03%     5万

联连理财    8.20%     5万

简理财       6.60%     5万





本月平台活动推荐


目前各大平台(宜人贷 简理财 微贷网  理财范 投哪网 玖富  51人品  宜贷网 等)的活动都纷纷在返利魔方上架,有兴趣的投资人可保持关注。


投资人可以下载返利魔方APP参与活动,提升收益率。

或者关注微信公众号:魔方活动


返利魔方用户QQ群号:346107381





大盘数据

大盘数据取自17家综合实力较强平台综合而成


交易指数:        6694.77,     较上月均值上升2.86%

资金流指数:    12961.99,   较上月均值下降28.79%

人气指数:        7112.80,     较上月均值上升0.36%

贷款余额指数: 571616.60, 较上月均值上升3.64%

流动性指数:    6.92,           较上月均值上升3.14%

分散度指数:    8.24,           较上月均值上升4.61%

忠诚度指数:    1.30,           较上月均值下降4.33%

利率指数:        9.46,          较上月均值下降0.15%


从数据来看,指数趋于平稳,除了资金流指数,变化都很小。资金流指数大幅下降是因为10月份处于资产的待还高峰期,到11月数据正常后自然大幅下降。




平台变化情况

2017年9月新上线平台 : 20家 ,列表如下:


趣融金服  储金袋  信诚恒通  福气钱庄  鼎财富  有理树金服  天诚金信  银海金服  森众金服

小零钱     来浙投   鑫路金融  小微理财  宜湃网  四海金服   创冠金服   小智理财  宝通金福 

茶米        巨潮金融



2017年9月新增问题平台: 63家,具体名称可登录贷罗盘查看




综合评级TOP500

综合评级基于6家评级数据得出:

网贷之家 / 网贷天眼 / 贷罗盘 / 融360 / 星火评级 / 羿飞评级

(由于字数限制,只能贴出前500位的平台。想了解更多可登陆贷罗盘查看。)


排序平台名称评级变化值
1陆金所92.041.38%
2宜人贷84.930.87%
3人人贷84.080.40%
4拍拍贷83.280.07%
5投哪网80.841.87%
6微贷网79.72-6.99%
7积木盒子77.830.31%
8爱钱进76.59-0.39%
9有利网75.150.03%
10翼龙贷73.27-0.72%
11团贷网72.975.18%
12宜贷网71.690.05%
13小赢理财70.91-1.57%
14和信贷69.40.84%
15银湖网68.45-1.26%
16你我贷65.137.47%
17点融网64.74-7.99%
18人人聚财63.58-0.69%
19开鑫金服63.46-0.49%
20PPmoney网贷62.822.20%
21民贷天下62.743.22%
22e融所61.770.42%
23图腾贷61.660.57%
24友金服61.433.30%
25生菜金融61.35-2.31%
26温商贷61.155.38%
27洋钱罐61.03-2.42%
28广信贷60.761.21%
2991旺财60.651.33%
30玖融网60.613.25%
31付融宝60.323.67%
32财富星球59.862.94%
33凤凰金融59.840.11%
34红岭创投59.782.07%
35银谷在线59.653.08%
36中业兴融59.542.67%
37信用宝59.513.35%
38拓道金服58.930.03%
39迷你贷58.161.11%
40鹏金所57.811.34%
41爱钱帮57.58-4.29%
42搜易贷57.39-4.80%
43银豆网57.262.32%
44易港金融57.13-2.76%
45东方汇57.09-0.02%
46可溯金融56.940.39%
47向上金服56.482.99%
48理财范56.34-3.90%
49君融贷56.03-3.26%
50抱财网55.99-0.20%
51聚优财55.9316.97%
52口袋理财55.890.00%
53道口贷55.85-0.71%
54首金网55.68.84%
55金融工场55.47-4.18%
56金银猫55.437.83%
57短融网54.95-3.53%
58e路同心54.86-0.56%
59达人贷54.710.43%
60沪商财富54.58-1.04%
61365易贷54.32.28%
62今日捷财54.295.69%
63米庄理财54.2-1.70%
64黄河金融54.15-7.97%
65永利宝53.91-1.00%
66投融家53.884.20%
67来存吧53.870.81%
68理想宝53.87-3.95%
69信融财富53.86-2.80%
70联金所53.820.70%
71礼德财富53.746.00%
72新升贷53.685.02%
73链链金融53.591.11%
74杉易贷53.2110.59%
75融贝网53.15-1.53%
76大麦理财53.113.44%
77铜掌柜53.11-3.68%
78钱盆网52.94-6.55%
79小诺理财52.73-5.36%
80网利宝52.63-1.98%
81普汇云通52.58-2.30%
82互融宝52.526.65%
83麦子金服财富52.46-0.48%
84博金贷52.430.18%
85金开贷52.091.07%
86小猪理财52-0.11%
87融金所51.89-0.50%
88珠宝贷51.875.49%
89多赢普惠51.74-2.18%
90果树财富51.6-6.73%
91连资贷51.25-4.82%
92丁丁金服51.21.10%
93民投金服51.10.59%
94小九金服51.0316.50%
95旺财谷50.957.20%
96零用贷50.930.97%
97金投行50.93-0.29%
98口贷网50.85-3.90%
99分利宝50.820.13%
100人众金服50.38-7.20%
101钱香50.350.39%
102万盈金融50.314.99%
103广州e贷50.28-4.46%
104紫金所50.278.16%
105富勤金融50.240.74%
106花虾金融50.212.81%
107乐享宝50.11-5.43%
108乾贷网50.075.66%
109嘉石榴49.99-0.42%
110合盘理财49.879.59%
111知商金融49.81.33%
112普惠家49.7-7.46%
113新新贷49.660.69%
114新联在线49.562.10%
115花果金融49.534.55%
116汇盈金服49.34-0.88%
117米缸金融49.33-1.59%
118易通贷49.320.22%
119合众e贷49.31-11.76%
120沃时贷49.160.11%
121诚汇通48.932.44%
122钱贷网48.810.06%
123智富36048.574.92%
124金联储48.390.81%
125国金宝48.34.39%
126白菜金融48.09-0.49%
127小狗钱钱48.08-0.44%
128冠e通48.05-4.58%
129星火钱包47.90.00%
130一起好47.79-12.39%
131爱投资47.77-1.47%
132石投金融47.755.15%
133钱爸爸47.66-5.22%
134小油菜47.431.30%
135招商贷47.391.38%
136合时代47.261.15%
137金宝保47.09-1.11%
138多多理财46.922.48%
139钱多多46.824.18%
140聚宝匯46.69-1.05%
141中融宝46.572.43%
142一点通财富46.387.94%
143合拍在线46.36-6.28%
144首E家46.31-12.79%
145宝点网46.269.31%
146安捷财富46.110.85%
147汇诚金服46.043.62%
148百金贷45.9817.47%
149前海惠农45.938.84%
150多融财富45.911.72%
151安心贷45.795.62%
152金桥梁45.751.98%
153广富宝45.71.21%
154网投网45.662.80%
155绿化贷45.5416.70%
156恒易融45.54-1.75%
157淘淘金45.285.24%
158轻易贷45.21-5.55%
159掌中财富45.142.66%
160惠投无忧45.1318.49%
161大同行44.956.13%
162壹佰金融44.9412.48%
163金瑞龙44.8711.91%
164易融恒信44.8310.40%
165隆金宝44.780.86%
166联连理财44.75-15.12%
167泰然金融44.750.00%
168邦帮堂44.6412.28%
169融金宝44.574.44%
170钱满仓44.48-5.87%
171乐居财富44.456.51%
172钱保姆44.34-1.92%
173立业贷44.22-0.92%
174欧亚金融44.1218.91%
175有融网43.90.36%
176爱投金融43.87-0.37%
177Formax金融圈43.735.49%
178小鸡理财43.643.54%
179元宝36543.63-4.60%
180多宝贷43.6313.30%
181银巴克43.5323.22%
182汇理财43.5218.55%
183温州贷43.51-11.00%
184量子金融43.471.52%
185众房宝43.279.19%
186借贷之家43.18-1.03%
187升值空间43.172.88%
188洋葱先生43.1411.97%
189聚金资本42.993.18%
190信和大金融42.91-4.41%
191车易贷42.914.50%
192金信网42.885.47%
193奇乐融42.872.39%
194梦想盈行42.836.83%
195三信贷42.81-2.45%
196德众金融42.445.99%
197合力贷42.11-4.25%
19858车贷42.0315.76%
199钱盒子41.992.09%
200宝象金融41.980.13%
201宜聚网41.98-2.61%
202九斗鱼41.92-1.02%
203车能贷41.4-5.38%
204小树时代理财41.31-11.92%
205星月创投41.245.86%
206金财动力41.22.59%
207融租e投41.156.89%
208互惠理财网41.12-6.94%
209钱内助41.12-13.41%
210郑投网41.111.31%
211民投金融41.05-3.56%
212壹心贷41.05-9.80%
213资本在线40.99-1.92%
214众贷汇40.96-1.08%
215糖果金融40.9116.45%
216好好理财40.86-4.28%
217华赢贷40.83-6.12%
218信广立诚贷40.822.40%
219e微贷40.61-5.17%
220融信网40.61-1.48%
221四海众投40.470.12%
222集利财富40.30.48%
223e兴金融40.19-10.79%
224钜宝盆40.18-3.29%
225恒信易贷40.17-6.02%
226普惠理财40.17-10.51%
227智佳金服40.150.11%
228钱吧金融39.9-5.53%
229两只老虎39.860.00%
230粤商贷39.852.65%
231恩科e贷39.76-0.38%
232中广核富盈39.741.19%
233聚车金融39.71-8.85%
234汇通易贷39.611.03%
235喔喔贷39.562.35%
236信和贷39.490.27%
237陇e贷39.45-11.13%
238无忧车贷39.4514.52%
239天玑汇富39.4415.62%
240168理财网39.43-1.76%
241一点钱39.39-3.33%
242三益宝39.34-8.42%
243众金在线39.311.95%
244豫商贷39.319.83%
245道口金融网39.33.20%
246聚宝珠39.056.68%
24751帮你39.045.35%
248中兴财富39.04-4.18%
249贷贷兴隆39.04-0.99%
250通通理财38.9-1.90%
251万家贷38.843.13%
252e葱金融38.82-5.03%
253网汇贷38.820.34%
254前金融38.73-8.05%
255日日昌38.716.84%
256鄂汇金融38.55-3.26%
257牛娃互联网金融38.52-12.74%
258方元金服38.57.47%
259小平贷38.44-1.91%
260米金社38.43-7.68%
261丰汇金融38.42-3.83%
262丰投网38.414.00%
263金e柴神38.397.80%
264前沿财富38.33-0.05%
265投复利38.25-12.35%
266利民网38.1910.73%
267东方车贷38.163.89%
268脐橙金融38.155.19%
269银承派38.15-10.19%
270喜投网38.133.29%
271地标金融38.05-4.91%
272金投手38.02-4.35%
273小微时贷38-4.63%
274念钱安37.966.39%
275渝金所37.88-12.60%
276小贷吧37.85-2.97%
277摇财树37.8525.44%
278木头人37.764.51%
279祺天优贷37.69-8.55%
280大时贷37.699.37%
281金元宝理财37.657.13%
282车e融37.585.71%
283中再融37.5-7.00%
284华人金融37.496.87%
285后河财富37.48-4.94%
286银票网36.685.95%
287金票通36.1411.15%
288利得行36.11.56%
289金盈所36.04-14.23%
290车财网35.972.36%
291阿朋贷35.96-11.91%
292小猪罐子35.924.79%
293优本财富35.8715.43%
294财富派 (京)35.849.21%
295来融金服35.88.07%
296融通资产35.77-8.48%
297浙昌贷35.78.90%
298财缘网35.62-6.72%
299九信金融35.583.15%
300百合贷35.5623.11%
301互贷网35.55-29.91%
302微车融35.440.01%
303鼎诚创投35.440.14%
304相融网35.37-15.15%
305鲁金所35.341.85%
306合家金融35.33-1.34%
307共信赢35.29-10.86%
308小微金融35.23-9.41%
309融资易35.022.43%
310信融投资34.996.05%
311汇投网34.97-8.53%
312稳贷网34.96-2.64%
313企额贷34.95-2.59%
314爱鸿森34.94-9.35%
315快快贷34.9-0.80%
316果儿金融34.890.10%
317泰山金融34.877.64%
318中金贷34.8611.81%
319乐投创富34.85-1.80%
320知财网34.84-7.77%
321融投贷34.75-4.49%
322银狐财富34.746.01%
323云钱袋34.6-21.49%
324财小主34.6-3.95%
325粒子财富34.6-8.14%
326百泉贷34.5615.45%
327爱上贷34.4913.13%
328京金所34.41.20%
329农泰金融34.3711.25%
330蜂涌理财34.363.10%
331鼠贷金融34.34-3.10%
332步步盈34.348.09%
333改革牛34.314.39%
334万富宝34.116.50%
335金牌理财34.039.97%
336投促金融33.950.48%
337冰川财富33.93-0.56%
338金融社33.93-3.86%
339惠众金融33.872.33%
340禾泰财富33.85-2.33%
341爱本地33.80.15%
342金控网贷33.73-3.71%
343新富创投33.7-8.30%
344车赚33.75.91%
345房易贷33.676.49%
346鼎信贷33.570.85%
347壹宝贷33.54-10.28%
348聚宝网33.530.00%
349就爱金融网33.51-2.03%
350易享贷33.5-15.29%
351中融投33.42-5.53%
352看看钱包33.360.29%
353固金所33.342.34%
354椰子理财33.33-8.78%
355皓添金融33.336.82%
356律信智投33.226.26%
357领投鸟理财33.24.25%
358钱道网33.171.15%
359禧龙来33.1-7.16%
360利聚网33.08-1.13%
361皖乾商贷33.055.84%
362即利网33.0212.23%
363笨小孩理财33.0112.98%
364安心de利332.67%
365好收益32.876.76%
366车邦贷32.8711.88%
367工艺通32.8-2.10%
368迪迪贷32.7910.94%
369优投金服32.7410.39%
370中融通贷32.64-2.73%
371慧融财富32.6126.46%
372金源贷32.56-3.23%
373九金所32.5210.08%
374简易贷32.39-5.12%
375瑞达金服32.39-4.18%
376沙小僧32.35-21.65%
377雪山贷32.2617.24%
378小小理财32.22-10.76%
379投米网32.13-5.38%
380富金利32.09-7.84%
381真鑫贷32-1.71%
382长运网3217.00%
383合伙人金融31.96-1.79%
384籽微金融31.942.03%
385财富智汇31.751.59%
386甬e贷31.75-11.57%
387诚投在线31.731.15%
388我要投31.712.21%
389众可贷31.76.62%
390助商金服31.671.82%
391爱当宝31.6720.16%
392秒贷金融31.63-5.21%
393金筑财富31.63-28.34%
394优车融31.515.05%
395亿亿理财31.422.32%
396徽金猫31.3813.94%
397寻贷网31.3614.57%
398今金贷31.3518.67%
399手投网31.34-3.32%
400信通袋31.25-21.00%
401艺点理财31.2210.29%
402拓天速贷31.21-3.12%
403袋鼠妈妈31.130.97%
404隆泰贷31.12-1.64%
405钱诚理财31.0910.58%
406财富50031.0814.02%
407为为贷31.0825.17%
408利好贷31.074.61%
409投呗31.01-12.07%
410创乐财富30.9718.31%
411异享金融30.95-2.40%
412惠恩资本30.877.61%
413森昊好时贷30.850.53%
414有喜财富30.83-4.23%
415浙江车贷网30.80.69%
416今时贷30.77-6.46%
41758财福30.71-4.96%
418悦享金服30.7-4.98%
419赣商贷30.62-0.72%
420赢贷通30.532.47%
421介贷网30.44-7.94%
422国民丰泰30.429.53%
423文宝保30.370.00%
424微E贷30.3714.14%
425爱蚂蚁30.2912.68%
426钱来也30.298.70%
427创融在线30.12-3.86%
428便民投30.09-4.49%
429鸿学金信30.07-5.84%
430融商贷30.030.23%
431快捷财富30.02-2.82%
432中储贷29.9710.81%
433海鸥金服29.95-4.64%
434赶贷网29.942.82%
435微品金融29.93-4.86%
436跃龙财富29.8611.96%
437融之家29.830.64%
438乐投壹佰29.8313.11%
439新富金融29.8-9.24%
440优聚投29.7615.67%
441财富派29.684.19%
442光合种子29.668.95%
443蜀丰财富29.6516.82%
444鱼猫金服29.58-13.49%
445福银票号29.541.20%
446律金金融29.53-18.38%
447前海领投29.54.20%
448360金融29.4611.03%
449惠富天下29.4511.69%
450盈金所29.445.93%
451石榴壳29.253.76%
452医购贷29.23-6.63%
453红顶金融29.11.83%
454点石金融29.14.64%
455股优网29.088.59%
456速贷10029.088.98%
457易贷在线29.04-10.22%
458点点财富29.0410.55%
459网筹金融28.97-18.09%
460汇贷天下28.962.33%
461融众财富28.936.51%
462益合贷28.86-9.64%
463喵喵客28.86-23.84%
464日融财富28.83-9.04%
465分钱网28.83-10.20%
466前海广深发28.830.00%
467惠车贷28.711.70%
468微邦金融28.679.83%
46951如易贷28.65-6.49%
470精融汇28.62-8.55%
471银强金融28.534.42%
472玖玖金融28.49-0.19%
473百财车贷28.4613.29%
474温易贷27.686.52%
475蜂缘财富27.5810.42%
476瑞银创投27.51-15.09%
477钱途在线27.51-20.12%
478金福财富27.48-2.24%
479恒利网27.42-12.26%
480车富8827.27-11.74%
481中国融信贷27.174.07%
482睿信财富27.019.94%
483熊猫贷26.9515.05%
484小富金融26.92-14.16%
485黔商贷26.86-3.17%
486千企贷26.85-1.58%
487众联财富26.7624.40%
488前金所26.76.86%
489私房投26.57-4.50%
490顺顺贷26.495.10%
491轩辕财富26.462.76%
492迅泊达26.37-16.86%
493胖毛在线26.33-21.71%
494金路投26.29-21.44%
495阳光易贷26.2-17.27%
496融易投26.174.69%
497易e贷26.07-2.26%
498深创金服25.91-7.60%
499五岳贷25.8-2.34%
5001号钱庄25.691.46%




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