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2018年2月贷罗盘数据月报(2221家平台)

2023-05-10 14:56:27

大家好,好久不见,久等了。

 

以下是2月份的点评内容:

 

和往年一样,每逢春节收假回来,整个行业都会出现标难抢和资金站岗等“标荒”现象。年后资金充沛,资产周期性短缺是导致这种现象的主要原因。一般这种情况会在年后一到两个月内逐步恢复至正常。

 

在此提醒各位一句,在现在这个备案敏感期里,如果没有遇到合适的标的可投,把钱握在手里比放在平台站岗要好,免得天天惦记着平台会出什么意外,寝食难安。后期最稳妥的投资策略还是分散短投,鸡蛋不要放在一个篮子里。熬过备案期,啥都好说。


几个头部平台已在不同程度上下调了投资收益率。其中下调幅度最大的是微贷网,12个月的年标收益率已下调至9.2%。而一些中小平台也开始通过减少活动力度来达到降息的目的。 


受市场和政策影响,今年整个行业的降息幅度不会很大。

,已经去掉了自身的质保专款和风险保证金等保障措施,在这种背景下,利息不可能再继续往下调整太多,不然投资人必定会恐慌撤出,另寻更加稳定或收益率更好的理财渠道。平台要是还想挣钱,就不会做这种蠢事。所以长期来看,大部分平台的收益率会维持在一个相对稳定的状态。


这边备案大潮的冲锋号已吹响,与备案相关的整改细则也纷纷出台,整改思路和方向越来越清晰,按照政策要求各地需在今年4月底前完成辖内主要P2P机构的备案登记工作,6月底前要全部做好。现在几乎所有平台都在为“合规”忙得焦头烂额,毕竟稍有不慎可能就要转型,清退说拜拜了。

 

等到年中备案工作完成,不合规的平台被淘汰,剩下那些市场空缺,会由存活下来的“强者”抢占规整。整个行业必定是越发展越正规,但投资人的信心仍明显不足。没有存管的时候盼存管,上了存管怕存管雷,现在备案工作也快完成了,“备案雷”的假想又满天飞。何时人们对这个行业的偏见才会消除?唯有行业合规,资产质量上升到一定阶段,风险整体可控,进入良性循环的时候,p2p网贷才有望成为未来主流的理财方式之一。

 

目前道长且阻,一起加油。

 



 

贷罗盘示范投资

2月贷罗盘示范投资,根据一些平台目前的运营情况,做了一些调整,目前投资情况如下:


贷罗盘示范投资1号(稳健型)

陆金服       5.48%   12万

有利网       8.00%   10万

人人贷       8.80%   10万

宜人贷       7.40%   12万

信而富      7.01%    10万

 

贷罗盘示范投资2号(平衡型)

积木盒子  7.80%     5万

拍拍贷      7.20%     5万

投哪网     10.00%   10万

玖富普惠  8.00%    10万

花虾金融  8.50%    10万

 

贷罗盘示范投资3号(收益型)

理财范       10.50%   5万

钱盆网       14.00%   5万

票票喵        8.50%    5万

短融网      10.50%    5万

小微时贷   15.50%    5万

宜贷网      10.00%    5万

 


 

本月平台活动推荐

 

目前各大平台(理财范  银票网  58车贷  桔子理财等)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:672938342





大盘数据如下:(大盘数据取自13家综合实力较强平台综合而成)

 

交易指数:4768.13,较上月均值下降7.23%

资金流指数: 8339.82,较上月均值下降8.15%

人气指数:5683.19,较上月均值下降8.50%

贷款余额指数:577834.40,较上月均值下降0.36%

流动性指数:7.60,较上月均值下降4.94%

分散度指数:7.44,较上月均值下降15.33%

忠诚度指数:1.12,较上月均值下降3.71%

利率指数: 9.78,较上月均值下降0.10%

 

2月份行业数据整体下降。交易/资金流/贷款余额指数下跌表现,一来是受行业周期特性影响,二来也与备案期临近,部分平台调整业务下线产品有关。

人气指数下跌,是投资人避险情绪提升的主要表现。

而分散度/流动性指数下跌,或为部分平台年前为吸收用户资金缓解平台资金流压力反常态大量发标和上线活动所致。

 


 

平台变化情况


2018年2月新上线平台 : 2家 ,列表如下:

维秘金服   创宇贷

2018年2月新增问题平台: 83家,具体名称可登录贷罗盘查看

 


 

综合评级TOP463

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463位的平台。想了解更多可登陆贷罗盘查看。)


注:部分平台由于未做数据对接,所以未在榜单中。

排序平台名称评级得分变化值
1陆金所90.95-1.78%
2宜人贷81.77-0.78%
3人人贷80.540.22%
4投哪网79.55-1.93%
5有利网77.730.81%
6爱钱进75.1-2.93%
7微贷网73.52-4.51%
8积木盒子73.24-6.04%
9翼龙贷71.66-1.51%
10宜贷网69.91-1.52%
11团贷网69.06-5.54%
12和信贷68.81-3.22%
13小赢网金68.76-4.37%
14银湖网66.82-2.64%
15你我贷65.871.98%
16点融网63.29-6.43%
17短融网63.098.79%
18博金贷62.8417.86%
19图腾贷62.82-0.70%
20凤凰金融62.810.49%
21生菜金融62.64-0.02%
22可溯金融60.63.80%
23理财范60.421.96%
24e融所60.12-0.62%
25信融财富59.419.57%
26民贷天下59.23-3.76%
27PPmoney58.99-2.62%
28拓道金服58.51-2.87%
29人人聚财58.23-10.69%
30红岭创投58.2-3.22%
3191旺财58.07-5.66%
32爱钱帮57.98-3.95%
33链家理财57.81-4.67%
34付融宝57.49-3.53%
35易港金融57.35-4.02%
36礼德财富57.251.46%
37银豆网57.2-1.56%
38东方汇57.141.38%
39温商贷57.040.17%
40大麦理财56.726.34%
41分利宝56.7215.97%
42果树财富56.54-3.03%
43玖融网56.43-7.16%
44洋钱罐55.7511.45%
45向上金服55.64-4.04%
46抱财网55.330.36%
47迷你贷55.31-7.47%
48网利宝55.141.39%
49君融贷55.12-7.48%
50中业兴融55.03-9.65%
51钱盆网54.82-2.39%
52联金所54.66-6.56%
53口贷网54.373.84%
54理想宝54.35-1.63%
55e路同心54.28-2.02%
56鹏金所54.22-5.53%
57广信贷54.19-10.32%
58财富星球54.17-9.36%
59今日捷财54.161.46%
60米庄理财53.57-0.23%
61投融家53.32-0.07%
62万盈金融53.2210.30%
63永利宝53.142.85%
64普汇云通53-3.04%
65首金网52.93-4.72%
66铜掌柜52.481.58%
67人众金服52.43-1.93%
68金开贷52.12-3.68%
69道口贷51.88-6.41%
70融金所51.54-3.78%
71银谷在线51.46-15.40%
72金银猫51.43-2.12%
73达人贷51.34-7.20%
74互惠理财51.313.45%
75新联在线51.240.42%
76365易贷51.17-4.72%
77连资贷50.34-9.11%
78来存吧50.31-6.58%
79沪商财富50.31-9.81%
80合时代50.272.78%
81搜易贷50.17-10.06%
82小诺理财50.04-8.43%
83麦子金服财富49.95-4.62%
84花果金融49.793.50%
85汇盈金服49.792.50%
86珠宝贷49.67-7.98%
87乾贷网49.63-2.26%
88杉易贷49.4-5.28%
89易通贷49.38-1.95%
90嘉石榴49.36-5.82%
91冠e通49.31-3.65%
92新升贷49.27-3.79%
93合众e贷49.22-6.73%
94广州e贷49.11-7.17%
95国金宝48.91-1.63%
96钱保姆48.915.47%
97钱爸爸48.860.42%
98小狗钱钱48.84-5.60%
99诚汇通48.51-0.01%
100互融宝48.47-2.63%
101链链金融48.28-8.37%
102乐享宝48.09-7.73%
103金联储47.95-3.64%
104百金贷47.93-2.84%
105邦帮堂47.8410.47%
106沃时贷47.752.34%
107融贝网47.42-14.14%
108多多理财47.15-0.51%
109米缸金融47.14-5.88%
110民投金服46.7-9.41%
111安心贷46.57-1.04%
112爱投资46.53-4.95%
113钱多多46.460.58%
114招商贷46.4-4.08%
115花虾金融46.32-7.34%
116宝点网46.31-6.85%
117金筑财富46.15-7.71%
118合力贷46.122.34%
119聚宝匯46.06-1.72%
120小猪理财45.88-16.47%
121合拍在线45.84-3.30%
122华赢贷45.847.75%
123小油菜45.81-6.17%
124合盘理财45.57-12.80%
125众房宝45.559.45%
126多赢普惠45.32-13.29%
127安捷财富45.24-6.86%
128星火钱包45.11-7.94%
129钱内助44.943.32%
130零用贷44.91-6.97%
131钱贷网44.89-12.08%
132网投网44.72-7.29%
133普惠家44.67-18.48%
134钱满仓44.548.32%
135前海惠农44.511.07%
136绿化贷44.27-2.84%
137泰然金融44.194.41%
138恒信易贷43.963.06%
139信和大金融43.85-1.21%
140旺财谷43.85-10.36%
141乐居财富43.76-6.14%
142一起好43.7-8.23%
143Formax金融圈43.61-1.13%
144金财动力43.49-5.82%
145小九金服43.48-7.49%
146丁丁金服43.46-13.05%
147白菜金融43.39-15.68%
148创融在线43.3432.49%
149掌中财富43.29-3.79%
150金桥梁43.23-5.76%
151汇诚金服43.18-2.91%
152首E家43.08-9.35%
153联连理财42.88-2.20%
154奇乐融42.88-1.29%
155中金贷42.7722.36%
156大同行42.73-7.08%
157三益宝42.71-7.80%
158摇财树42.688.01%
159钱香金融42.64-13.82%
160中融宝41.99-10.05%
161一点通财富41.92-10.85%
162金投行41.69-15.06%
163新新贷41.67-20.01%
164车能贷41.53-4.16%
165宜聚网41.4-2.41%
166聚车金融41.290.83%
167升值空间41.25-3.68%
168恩科e贷41.16-3.96%
169惠投无忧41.13-10.20%
170元宝36541.1-5.47%
171聚金资本41.08-7.71%
172资本在线41.01-5.61%
173融金宝41-5.61%
174诚投在线40.9623.14%
175丰汇金融40.89-4.66%
176九斗鱼40.85-5.23%
177好好理财40.79-4.32%
178知商金融40.78-16.91%
179爱投金融40.76-12.37%
180壹心贷40.767.47%
181信广立诚贷40.72-7.00%
182星月创投40.662.10%
183汇理财40.49-1.53%
184金信网40.46-0.48%
185中融投40.450.13%
186天玑汇富40.370.24%
187易融恒信40.3-17.21%
188多宝贷40.28-7.78%
189车e融40.213.66%
190有融网40.19-9.49%
191量子金融40.16-6.68%
192三信贷40.16-5.75%
193两只老虎40.040.12%
194壹佰金融40.02-9.06%
195宝象金融40.01-2.63%
196牛娃互联网金融39.960.04%
197渝金所39.94-7.21%
198e微贷39.93-6.33%
199梦想盈行39.91-7.38%
200金盈所39.862.00%
201投米网39.84-2.60%
202普惠理财39.820.34%
203丰投网39.665.99%
204喔喔贷39.58-2.59%
205相融网39.53-3.50%
206融租e投39.52-8.99%
207地标金融39.48-6.41%
208一点钱39.455.86%
209众贷汇39.393.34%
210财缘网39.293.97%
211智佳金服39.29-3.86%
212米金社39.18-7.68%
213立业贷39.12-12.25%
214优聚投39.0954.72%
215万家贷39.02-1.27%
216粤商贷38.994.86%
217小树时代理财38.89-17.17%
218石投金融38.87-18.74%
219车易贷38.69-7.63%
220糖果金融38.67-6.53%
221东方车贷38.65-4.80%
222融信网38.46-10.34%
223后河财富38.44-5.37%
224四海众投38.42-7.49%
225钱吧金融38.4-4.50%
226国民丰泰38.3919.06%
227小微时贷38.34-7.30%
228无忧车贷38.31-5.48%
229鲁金所38.25-3.26%
230万富宝38.223.62%
231小平贷37.9-6.54%
232融投贷37.89-1.33%
233步步盈37.864.75%
234前金融37.85-8.47%
235鄂汇金融37.82-10.02%
236银承派37.722.72%
237轻易贷37.63-12.50%
238聚宝网37.6213.19%
239集利财富37.6-6.36%
240果儿金融37.59-9.31%
241企额贷37.58-2.39%
242汇通易贷37.55-8.56%
243瑞银创投37.5215.27%
244念钱安37.520.76%
245中再融37.55.76%
246德众金融37.37-9.67%
247工场微金37.29-26.96%
248钱盒子36.75-11.34%
249隆金宝36.03-16.64%
250众金在线36.022.51%
251九信金融36.01-2.34%
252小微金融36-4.78%
253安心de利360.48%
254紫金所35.97-29.47%
255简易贷35.965.51%
256小猪罐子35.87-1.00%
257豫商贷35.87-9.06%
258银票网35.812.59%
259来融金服35.66-4.81%
260秒贷金融35.571.63%
261汇投网35.37-5.49%
262道口金融网35.27-8.54%
263金投手35.27-0.97%
264日日昌35.2-5.81%
265微车融35.14-8.07%
266利得行35.14-9.11%
267利民网35.13-12.57%
268金瑞龙35.13-19.36%
269中潮金服35.1-5.70%
270信用宝35.02-42.30%
271通通理财35-9.35%
272好收益34.94-15.69%
273陇e贷34.85-10.91%
274投促金融34.83-6.18%
27551帮你34.81-7.67%
276168理财网34.75-13.84%
277e兴金融34.55-13.25%
278蜜蜂财富34.520.24%
279小鸡理财34.5-20.97%
280粒子财富34.49-8.93%
281合家金融34.47-1.69%
282金e柴神34.44-8.51%
283民投金融34.34-18.58%
284车财网34.31-6.70%
285信和贷34.27-14.91%
286富春贷34.25-2.13%
287京金所34.24-18.10%
28858财福34.24-2.67%
289乐投创富34.1-9.73%
290钜宝盆34.07-22.09%
291沙小僧34.06-18.47%
292恒易融33.88-25.11%
293大时贷33.81-3.04%
294木头人33.77-8.09%
295前沿财富33.69-18.39%
296泰山金融33.67-12.22%
297浙昌贷33.671.51%
298新富金融33.630.16%
299金源贷33.59-3.00%
300快快贷33.54-3.92%
301洋葱先生33.53-22.66%
302云钱袋33.27-7.39%
303祺天优贷33.21-22.98%
304网汇贷33.19-14.65%
305郑投网33.1-23.52%
306九金所33.05-6.67%
307就爱金融网32.92-11.48%
308融商贷32.919.62%
309鼠贷金融32.89-7.23%
310财小主32.85-9.73%
311前海广深发32.838.76%
312改革牛32.81-5.44%
313中融通贷32.74-4.48%
314筷来财32.7316.75%
315脐橙金融32.72-5.97%
316欧亚金融32.71-22.68%
317拓天速贷32.66-4.53%
318百泉贷32.65-5.05%
319聚宝珠32.59-9.31%
320合伙人金融32.476.29%
321广富宝32.43-21.44%
322鼎诚创投32.37-2.47%
323金牌理财32.32.26%
324瑞达金服32.13-9.48%
325雪山贷32.115.38%
326甬e贷32.09-7.25%
327知财网31.98-15.58%
328爱本地31.91-11.74%
329融通资产31.87-24.29%
330车赚31.84-3.09%
331今金贷31.83-2.30%
332冰川财富31.83-10.05%
333投复利31.81-25.80%
334分钱网31.74-4.70%
335乐投贷31.634.66%
336盈金所31.5510.38%
337异享金融31.53-8.92%
338富金利31.53-3.53%
339医购贷31.48-2.61%
340贷贷兴隆31.4-13.45%
341易贷在线31.37-2.62%
342财富智汇31.19-5.95%
343禧龙来31.1-13.79%
344红顶金融31.061.11%
345惠恩资本31.03-1.39%
346悦享金服31-4.93%
347亿亿理财30.98-2.70%
348信融投资30.97-6.67%
349网筹金融30.82-2.15%
350艺点理财30.85.54%
351日融财富30.798.32%
352爱当宝30.76-4.80%
353我要投30.73-0.86%
354袋鼠妈妈30.72-0.47%
355融之家30.51-4.14%
356惠众金融30.43-7.54%
357徽金猫30.36-3.10%
358汇贷天下30.3-3.57%
359乐投壹佰30.25-15.56%
360蜂缘财富30.01-0.97%
361财富派29.99-8.98%
362优车融29.98-8.52%
363众可贷29.98-10.08%
364阳光易贷29.89-3.81%
365森昊好时贷29.820.46%
366赣商贷29.81-4.52%
367华人金融29.76-23.10%
368鼎信贷29.65-9.11%
369众易贷29.623.57%
370赢贷通29.53-10.51%
371皓添金融29.49-8.48%
372迅泊达29.432.60%
373瑞涛财富29.3619.58%
374固金所29.23-13.54%
375黔商贷29.236.24%
376看看钱包29.2-13.38%
377深创金服29.162.88%
378益投网贷29.094.36%
379淘淘金29.04-30.61%
380优投金服29.02-4.73%
381中兴财富28.93-27.37%
382飞特金融28.928.38%
383惠车贷28.860.19%
384爱鸿森28.79-20.13%
385财富派 (京)28.79-14.49%
386快捷财富28.75-13.01%
387新富创投28.64-21.87%
388中储贷28.54-6.86%
389建工E贷28.51-3.44%
390利好贷27.8-12.10%
391爱蚂蚁27.75-5.55%
392联投银帮27.73-31.74%
393e葱金融27.73-35.40%
39451如易贷27.71-5.44%
395长运网27.69-14.71%
396稳贷网27.66-22.07%
397银狐财富27.64-38.90%
398农泰金融27.58-20.01%
399速贷10027.56-5.35%
400爱上贷27.52-12.05%
401利聚网27.5-20.22%
402银强金融27.37-10.98%
403精融汇27.35-13.24%
404鸿学金信27.18-16.78%
405皖乾商贷27.16-12.93%
406融众财富27.1-10.22%
4071号钱庄27.062.16%
408蜀丰财富27.03-10.24%
409普天金服26.8811.02%
410车富8826.85-15.66%
411慧融财富26.8-5.99%
412蜂涌理财26.75-23.43%
413善林宝26.67-10.03%
414工艺通26.64-13.64%
415点石金融26.5-14.59%
416金融社26.39-30.75%
417珠宝平安贷26.38-5.22%
418房易贷26.34-20.97%
419惠富天下26.25-13.02%
420融金桥26.243.59%
421前金所26.23-5.47%
422融资易26.15-31.92%
423阿朋贷26.12-27.60%
424融易投26.0237.73%
425泛湾天域25.93-13.13%
426海鸥金服25.66-14.10%
427跃龙财富25.64-18.89%
428千企贷25.62-16.77%
429178网贷25.58-9.52%
430金路投25.28-16.43%
431金控网贷25.27-13.85%
432点点财富25.25-16.39%
433睿信财富25.16-11.76%
434笨小孩理财24.83-29.53%
435微易贷24.72-4.07%
436有喜财富24.65-29.12%
437智融会24.591.47%
438浙江车贷网24.55-13.02%
439律信智投24.54-18.04%
440福银票号24.49-20.75%
441金福财富24.35-6.70%
442首信创投24.16-14.03%
443股优网24.1-16.38%
444码头益23.74-15.47%
445微E贷23.74-21.95%
446私房投23.74-17.02%
447万利金融23.24-0.43%
448360金融22.82-24.05%
449微邦金融22.74-23.57%
450即利网22.48-27.40%
451寻贷网22.48-26.57%
452好房理财网21.89-26.43%
453千金e诺21.58-2.45%
454种子拼图20.97-12.54%
455蜂投网20.644.16%
456创贷网20.51-18.72%
457沃联财富20.5-27.69%
458小白菜理财20.14-28.54%
459众联财富20.02-22.46%
460惠金贷19.24-20.19%
461恒大财富19.02-4.01%
462堆金网18.14-17.72%
463贷未来17.68-39.19%

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