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2016年9月贷罗盘数据月报(2485家平台)

2023-05-10 14:56:27

大家好,我是小罗,国庆大家过得还开心吧?16年剩下的时间不多了,先预祝大家16年收获满满。

几个小提示:

1、大部分平台在年底(大概2017年1月-2月)期间会启动比较优惠的活动,所以呢,10-12月贷罗盘建议大家以短标为主,不要错过春节期间的活动盛宴,子弹留好。现在如果把子弹打光,春节时看着丰厚的活动却力不从心就不好了。

2、贷罗盘团队打造的新项目,返利魔方(fanlimofang.com)已经正式运营了几个月,目前的用户反馈和口碑都还不错,有兴趣的用户可以去魔方参加活动来提升自己的收益。

3、新规发布有段日子了,总体来说行业发展还算平稳,没有出现大的动荡。小罗保持原观点不变:网贷的春天将要到来了!

4、爱投资事件还在持续发酵,前几天债转达到几百页之多,目前有减少的趋势。不管事态如何演变,贷罗盘都建议新用户暂时远离争议中的平台,本金的安全性是第一位的。



1
部分平台点评


9月份贷罗盘示范基金加入了2家新平台,没有退出老平台,下面是部分平台的点评。


搜易贷

点评:

搜易贷,著名的低息平台,运营了2年多,口碑还算不错。搜狐好爸爸背书,运营较为规范。之前出现了一次坏账,马上用风险金垫付,这件事在投资人圈子里赢得不少加分。这类平台的共同缺点就是利率难看,其他没什么问题。


综合考虑,贷罗盘示范基金2号(平衡型)纳入了搜易贷,并投资5万元。


普汇云通

点评:

普汇云通在国资系平台有一定知名度了,国资控股/国资担保公司担保;运营数比较透明;12%~15%的收益率有一定竞争力,符合3号基金理念。 

综合考虑,贷罗盘示范基金3号(收益型)纳入了普汇云通,并投资5万元。


目前贷罗盘示范基金的分布如下:

贷罗盘示范基金1号(稳健型)

陆金所, 投资12万,利率5.48%

宜人贷, 投资12万,利率7.40%

开鑫贷, 投资12万,利率7.10%

链家理财, 投资10万,利率6.48%


贷罗盘示范基金2号(平衡型)

有利网, 投资10万,利率8.00%

人人贷, 投资10万,利率8.80%

投哪网, 投资10万,利率11.00%

桔子理财, 投资10万,利率8.00%

搜易贷,投资5万,利率7.30%


贷罗盘示范基金3号(收益型)

钱盆网, 投资5万,利率14.00%

丁丁贷, 投资5万,利率16.00%

普汇云通, 投资5万,利率12.00%


贷罗盘示范基金活期(高流动型)

真融宝, 投资3万,利率7.08%

洋葱先生, 投资5万,利率6.50%


对其他平台的点评,可以查看我们历史的数据文章,都有点评。

有兴趣的投资人也可以加入我们的贷罗盘QQ群,群号是567906018

也可以加小罗的微信号:15220208264



2
本月平台活动推荐


本月贷罗盘团队新推出了一个返利平台,名称为:返利魔方(fanlimofang.com),专注网贷行业的返利。

相对目前市面上的一些返利通道,返利魔方的优势有几个:

当天返利(只要不是节假日,当日投资当日就能拿到返利,不用等)

魔方保障(有魔方保障的项目,一旦平台发生异常,如跑路/倒闭等,导致拿不回本金,用户可获得一定比例的赔偿)

风险量化(每个活动平台都有风控打分,分数越高风险越低,投资人可以选择适合自己的活动参加)


本期我们就不介绍具体活动了,有兴趣的投资人可以登录fanlimofang.com自己查阅,有不清楚的也可以微信直接咨询小罗。



3
大盘数据


大盘数据如下:(大盘数据取自12家综合实力较强平台综合而成)

交易指数:         18564.49,               较上月均值上升25.60%

资金流指数:        123680.29,             较上月均值上升26.19%

人气指数:         20696.17,               较上月均值上升11.49%

贷款余额指数: 5515691.79,          较上月均值上升26.67%

流动性指数:     9.21,                        较上月均值上升4.84%

分散度指数:     7.54,                        较上月均值下降24.81%

忠诚度指数:     2.15,                        较上月均值上升8.55%

利率指数:         7.79,                        较上月均值下降5.56%


大盘数据点评:

1、大盘的交易/资金流指数/人气指数持续攀升,新规落地后老百姓对P2P的认可度持续好转

2、利率继续下降中,我们判断网贷行业成熟后主要的利率区间会在5-10%之间,具体差异根据业务类型/平台背景/市场情况决定。相比银行理财主流的3%利率还是具备一些优势的,但是以前动不动20%的日子再也回不去了;

3、其他指数表现良好,行业前景一片光明。



4
平台变化情况


2016年9月新上线平台 : 16家 ,列表如下:

顺财网利合贷来财宝力为投资恒信财富浪尖金融中东金融幸运贷奥蒙金融紫金聚宝轻松易贷中天理财小麦在线众誉财富格子理财沙平理财

2016年9月新增问题平台: 71家,具体名称可登录贷罗盘查看



5
综合评级排行榜TOP 500


评级基础数据由以下5家综合而成:网贷之家/网贷天眼/贷罗盘/融360/羿飞评级


排序平台名称综合评级变化幅度
1陆金所86.58-1.06%
2宜人贷72.461.19%
3人人贷70.28-0.87%
4拍拍贷69.13-1.72%
5有利网67.22-0.29%
6积木盒子67.180.56%
7开鑫贷65.641.26%
8投哪网65.62-1.30%
9微贷网64.80.20%
10爱钱进60.42-1.95%
11翼龙贷58.38-2.07%
12点融网58.38-1.38%
13团贷网58.11.07%
14麻袋理财57.042.76%
15宜贷网55.27-10.52%
16红岭创投52.51-2.95%
17小赢理财51.7810.06%
18民贷天下51.554.27%
19东方汇49.830.63%
20付融宝48.973.12%
21鑫合汇48.37-1.68%
22链家理财48.34-1.80%
2391旺财48.332.01%
24珠宝贷48-0.39%
25银湖网47.59-6.72%
26银客理财47.57-2.85%
27搜易贷47.4-4.92%
28诺诺镑客47.361.28%
29你我贷46.81-4.73%
30融金所46.550.52%
31和信贷46.421.20%
32银豆网46.33-2.78%
33PPmoney46-1.38%
34众信金融45.831.00%
35365易贷45.790.32%
36信和大金融45.757.43%
37玖融网45.713.16%
38广信贷45.657.89%
39金宝保45.620.58%
40理财范45.48-3.86%
41皮城金融45.1825.22%
42人人聚财45.05-2.13%
43抱财网44.83.84%
44爱钱帮44.790.25%
45丁丁贷44.770.31%
46向上金服44.652.20%
47合时代44.50.24%
48鹏金所44.27-2.36%
49华人金融44.0214.19%
50德众金融43.86-0.06%
51懒投资43.47-1.24%
52爱投资42.78-12.74%
53易港金融42.535.09%
54短融网42.48-2.61%
55生菜金融42.37-6.32%
56多多理财42.048.25%
57合拍在线41.37-6.17%
58农泰金融41.3618.31%
59图腾贷40.993.43%
60铜掌柜40.811.47%
61温州贷40.590.46%
62礼德财富40.497.15%
63新联在线40.22-1.96%
64道口贷40.190.80%
65融贝网40.177.17%
66冠e通39.91-6.72%
67泰然金融39.691.98%
68城城理财39.365.98%
69君融贷39.323.54%
70小九金服39.2913.86%
71钱吧38.96-0.82%
72金信网38.941.99%
73广州e贷38.922.95%
74Formax金融圈38.915.65%
75银票网38.88-6.70%
76汇理财38.7611.13%
77联金所38.27-4.17%
78邦帮堂37.95-0.73%
79中瑞财富37.942.64%
80一起好37.874.51%
81恒信易贷37.85-7.99%
82钱爸爸37.835.02%
83金融工场37.65-2.82%
84信融财富37.56-3.55%
85合力贷37.51-2.25%
86永利宝37.182.85%
87财富中国37.01-0.48%
88十六铺金融36.946.75%
89汇盈金服36.88-3.49%
90多赢36.87-1.88%
91好贷宝36.793.77%
92隆金宝36.7713.67%
93金银猫36.720.43%
94招商贷36.590.39%
95聚金资本36.585.91%
96合盘贷36.470.78%
97互融宝36.2889.40%
98乾贷网36.28.70%
99小油菜36.17-1.59%
100中金贷36.1617.51%
101拓道金服36.09-4.76%
102后河财富36.023.94%
103小微金融35.870.00%
104达人贷35.6815.36%
105钱保姆35.656.24%
106融金宝35.632.09%
107易通贷35.6-0.12%
108中融宝35.581.93%
109粤商贷35.465.82%
110迷你贷35.4-7.05%
111宜聚网35.372.07%
112诚汇通35.345.84%
113贷贷兴隆35.325.09%
114杉易贷35.28-6.44%
115连资贷35.216.63%
116今日捷财35.082.24%
117华赢贷34.913.75%
118爱本地34.8814.61%
119投融家34.8412.66%
120九斗鱼34.782.98%
121博金贷34.676.49%
122金控网贷34.65-0.66%
123友金所34.3-8.80%
124金桥梁34.285.49%
125紫马财行34.22-4.30%
126中易融通34.18.19%
127绿化贷34.07-0.92%
128沃时贷34.03-1.30%
129乐投天下34.0223.01%
130多融财富3412.40%
131黄河金融33.98-2.79%
132财加33.910.01%
133新新贷33.87-14.87%
134果树财富33.860.07%
135集利财富网33.8322.86%
136亲亲小贷33.734.84%
137口贷网33.66.15%
138益合贷33.560.00%
139钱贷网33.38-4.54%
140安心贷33.340.45%
141沃信财富33.2831.97%
142房金所33.27-7.97%
143普汇云通33.2212.47%
144福银票号33.232.49%
145人众金服33.151.40%
146隆隆网33.1120.58%
147乐居财富33.110.43%
148壹佰金融33.0912.48%
149企额贷33.0710.26%
150果儿金融33.058.38%
151安捷财富33.0310.53%
152奇乐融33.03-0.47%
153阿朋贷33.020.46%
154中广核富盈32.97-0.23%
155智富36032.923.59%
156车能贷32.87-2.30%
157共信赢32.84-7.63%
158金投手32.816.28%
159钱盆网32.763.46%
160石投金融32.62-5.40%
161天府财富32.5816.54%
162牛娃金融32.5615.62%
163淘淘金32.498.27%
164三信贷32.48-3.83%
165森昊好时贷32.4717.72%
166易融恒信32.3210.55%
167恒易融32.32-5.94%
168掌中财富32.28-0.48%
169E微贷32.2-0.13%
170爱蚂蚁32.0429.62%
171e融所32.04-2.63%
172聚宝匯32.0122.48%
173豫商贷31.950.23%
174橙旗贷31.880.45%
175熊猫贷31.814.93%
176贷未来31.775.72%
177投复利31.768.88%
178众可贷31.7543.76%
179汇投网31.72.09%
180百财车贷31.68-1.36%
181光合种子31.675.09%
182喜投网31.67-3.88%
183赣商贷31.6529.02%
184小诺理财31.64-1.51%
185易互贷31.6231.99%
186瑞涛财富31.5525.79%
187金票通31.540.61%
188鸿森财富31.4340.14%
189理想宝31.430.00%
190两只老虎31.424.01%
191创贷网31.420.28%
192信和贷31.327.16%
193立业贷31.322.18%
194网利宝31.283.45%
195易车速贷31.1439.29%
196启腾财富31.15.84%
197优车融31.0424.67%
198钱盒子31.016.04%
199祺天优贷31.01-4.43%
200私房钱30.9312.93%
201长久贷30.9314.79%
202房融所30.8910.42%
203互贷网30.872.86%
204来财街30.8521.13%
205票据客30.822.11%
206九信金融30.89.39%
207中兴财富30.796.07%
208介贷30.7836.11%
209口碑贷30.78-5.63%
210医购贷30.781.88%
211神仙有财30.7510.33%
212平平贷30.7219.46%
213壹宝贷30.65-3.47%
214领投鸟理财30.594.15%
215盛齐财富30.5921.32%
216沪商财富30.494.01%
217石榴壳30.3720.09%
218鲁金所30.3113.87%
219京都贷30.2217.19%
220万盈金融30.152.26%
221小牛在线30.09-1.66%
222大麦理财30.01-3.66%
223产融贷29.824.96%
224隆泰贷29.813.59%
225融资易29.77-1.88%
226六顺财富29.735.99%
227钱香29.65-1.97%
228简易贷29.6323.00%
229财火火29.622.88%
230花果金融29.58-6.46%
231创融在线29.562.53%
232超爱财29.523.16%
233地标金融29.52-3.04%
234满益网29.518.81%
235排队金融29.45-1.00%
236金牌理财29.439.79%
237安贷宝29.4-1.56%
238中潮财富29.40.81%
239钱增增29.34-0.91%
240金源贷29.3210.85%
241中国融信贷29.311.67%
242宏信创投29.35.07%
243新富金融29.39.24%
244量子金融29.2514.45%
245银象网29.255.28%
246天使贷29.2414.37%
247财富50029.2310.97%
248合拍贷29.18-0.99%
249钱途在线29.177.05%
250前海领投29.1719.46%
251车财网29.161.22%
252堆金网29.1510.16%
253温易贷29.1412.86%
254微金所29.12-3.56%
255投米网29.04-3.72%
256如意财富29.0310.00%
257文宝保29.02-5.82%
258温商贷29.027.66%
259云钱袋29-7.99%
260钱海湾28.996.20%
261聚车金融28.98-5.51%
262首鸿财富28.965.50%
263合众e贷28.9510.72%
264小鸡理财28.940.04%
265贷金所28.9419.60%
266信广立诚贷28.944.11%
267好收益28.9221.39%
268微积金28.9-5.72%
269种子拼图28.890.68%
270狮子座金融28.86-1.11%
271金岩财富28.7810.49%
272e路同心28.7415.72%
273旺财谷28.66-12.67%
27451帮你28.6510.15%
275青岛汇泉贷28.5316.68%
276浙昌贷28.482.54%
277光华财缘网28.4611.74%
278可乐贷28.430.19%
279信融投资28.369.40%
280宝象金融28.31-7.53%
281智融财富28.263.34%
282小米贷28.2526.70%
283金海贷28.2311.24%
284178网贷28.155.65%
285中浩信投28.1312.44%
286摇财树28.09-0.31%
287洋葱先生28.083.67%
288车来贷28.083.69%
289智富圈28.07-4.66%
290鑫贷天下28.0627.58%
291金车贷28.017.35%
292庆协投资28.0113.47%
293鼎信贷27.999.32%
294丰汇金融27.97-14.58%
295融投贷27.9611.71%
296万利泓通27.94-0.86%
297微易贷27.935.73%
298胖胖猪27.911.35%
299星月创投27.894.98%
300民民贷27.81-7.72%
301众贷汇27.79-3.06%
302融信网27.78-1.03%
303久信e贷27.773.61%
304粒子财富27.721.25%
305钱多多27.74.07%
306稳贷网27.710.40%
307财富智汇27.690.55%
308微品金融27.673.98%
309前海财富27.658.80%
310中融投27.56-12.80%
311资本在线27.56-12.21%
312财富派27.54-9.88%
313甬e贷27.5411.48%
314来融金服27.539.34%
315盈金所27.51.12%
316车融资27.516.58%
317芒果金融27.5-2.62%
318存利网27.435.50%
319穗金所27.34-8.53%
320投资吧27.325.14%
321贝贝创投27.31-13.09%
322168理财网27.24-1.53%
323易贷在线27.152.02%
324私房投27.14.32%
325联连理财27.034.61%
326万家兄弟27.01-5.30%
327宁创贷27.01-0.15%
328利得行27-5.80%
329小微时贷26.94-6.13%
330联投金融26.95.10%
331优本财富26.87-1.56%
332京金所26.8225.10%
333金联储26.7812.05%
334微车融26.75-1.14%
335汇财贷26.755.76%
336大众贷26.7415.61%
337光大分利宝26.73-5.02%
338亿信天合26.67-3.54%
339塞上贷26.64-0.32%
340安心de利26.61-5.82%
341中恒宝26.55-3.88%
342九金所26.523.28%
343诚投在线26.526.96%
344中融通贷26.514.59%
345蜜蜂财富26.461.71%
346易宝金融26.41-1.60%
347利聚网26.39-4.04%
34851如易贷26.38-6.92%
349普资华企26.33-15.50%
350联豪创投26.297.32%
351汉金所26.28-6.44%
352宝点网26.236.34%
353皖乾商贷26.223.72%
354合信26.26.65%
355微金在线26.17-4.72%
356百融网26.15-0.79%
357小猪理财26.154.94%
358今时贷26.14-2.47%
359中鑫投融26.14-13.73%
360东泽财富26.14-2.14%
361皖都金融26.1224.36%
362飞特金融26.09-2.51%
363融商贷26.071.07%
364微邦金融26.060.53%
365爱投金融26.061.45%
366财富派 (京)26.05-10.35%
367银巴克26.04-14.91%
368千壹理财25.91-12.28%
369禾泰财富25.9-1.79%
370草根新贷25.89-5.19%
371爱上理财25.897.31%
372助商贷25.833.97%
373手投网25.833.13%
374票金所25.7722.74%
375前海广深发25.771.06%
376众易贷25.74-5.82%
377糖果金融25.74-8.65%
378可溯贷25.723.81%
379金福财富25.79.78%
380方元在线25.69-9.81%
381乐投贷25.66-2.16%
382车易贷25.66-1.75%
383胖毛在线25.611.26%
384丰储宝25.54-3.65%
385河马在线25.52-0.34%
386理财团25.51-9.82%
387淘收益25.46-4.44%
388小富金融25.448.02%
389优聚投25.378.09%
390百泉贷25.36-3.71%
391酷宝盒25.27-4.91%
392恒利网25.22-2.91%
393百利市25.173.98%
394黔商贷25.143.86%
395国金宝25.054.78%
396亿钱贷25.04-15.36%
397利好贷25.025.35%
398满满贷24.983.41%
399融之家24.943.85%
400步步盈24.87-10.83%
401鄂汇金融24.85-10.52%
402浙江车贷网24.82-3.46%
403票据贷24.82-10.85%
404宏鑫宝24.8-17.39%
405惠车贷24.73-7.51%
406跃龙财富24.631.28%
407E葱金融24.6119.97%
408随时融24.597.45%
409惠众金融24.514.46%
410钱来网24.5-22.19%
411车邦贷24.50.76%
412金柜贷24.49-9.08%
413贷贷网24.3919.09%
414雍和金融24.34-5.34%
415德铢财富24.32-8.67%
416优投在线24.291.83%
417聚融在线24.2811.52%
418秒贷网24.262.82%
419响當當24.24-3.30%
420惠富天下24.190.25%
421搜搜金融网24.05-18.78%
422五岳贷23.99-10.08%
423e人e贷23.95-6.31%
424中青金服23.850.81%
425迅泊达23.7-14.94%
426360金融23.662.41%
427商富贷23.64-4.95%
428平安理财网23.58-6.15%
429乾乐畅财富23.55-14.59%
430真鑫贷23.46-4.03%
431众金在线23.43-6.21%
432海星宝理财23.3414.69%
433融通资产23.33-19.13%
434悦享金服23.32.50%
435汇贷天下23.29-12.73%
436建工E贷23.24-14.01%
437大同行23.07-2.68%
438楚金所23.06-2.41%
439阜阳金融网23-6.97%
440财来网23-12.85%
441有融网22.95-28.10%
442赶贷网22.950.57%
443万富宝22.94-3.61%
444瑞银创投22.83-16.11%
445易BANK22.75-5.91%
446雪山贷22.69-35.59%
447收获宝22.65-17.50%
448猪宝宝22.523.14%
449钜宝盆22.469.61%
450爱上贷22.28-12.43%
451泛湾天域22.23-16.97%
452网投网21.97-10.91%
453泰山金融21.95-14.87%
454融魔方21.94-22.76%
455蜀丰财富21.91-16.95%
456易米阳光21.91-32.82%
457宁安贷21.8916.33%
458浙金网21.84-33.18%
459信通袋21.68-21.41%
460前金所21.66-20.38%
461易e贷21.51-19.30%
462蚂蚁打的21.5-23.49%
463艺点理财21.2-25.26%
464首信创投21.18-12.70%
465龙贷21.12-26.00%
466金陵贷21.05-10.58%
467股优网20.90.00%
468分钱网20.84-30.08%
469聚宝网20.82-16.54%
470创乐财富20.75-5.53%
471微镇20.692.35%
472点点财富20.69-17.49%
473房易贷20.38-8.24%
474快联财富20.39.89%
475添惠贷19.96-11.03%
476固金所19.78-31.22%
477睿信财富19.44-42.31%
478诚天财富19.44-27.66%
479锐盈财富19.2-22.06%
480码头益19.03-3.43%
481圈圈贷18.88-26.80%
482管金贷18.67-31.51%
483金发所18.62-29.29%
484众联财富18.28-11.99%
485百金贷18.07-27.73%
486迈信金融18-23.40%
487宝典创投17.97-17.54%
488普天金服17.48-23.17%
489微信贷17.22-16.07%
490九能金融16.71-29.71%
491易天贷16.66-22.18%
492微E贷16.64-22.20%
493华众财富16.45-41.65%
494拉拉财富16.214.02%
495找银子15.39-41.53%
496天下汇通15.25-20.27%
497融金桥15-26.31%
498富轩投资14.833.59%
499蜂投网14.7837.46%
500稳通金融14.51-10.77%




5
其他数据


A、细分行业排行榜

B、平台健康度数据

C、平台流量数据

D、问题平台数据


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