P2P主流平台最新信披质量情况一览(名单)
2019年7月,P2P网贷平台信披质量有了一定的改善,主要表现在:
而项目信息披露质量差异最为明显,缺失较为严重的项目信息指标包括:资产来源、征信报告、担保措施、其他平台借款情况。
网贷之家经过信披评价体系测算,得出2019年7月信披情况如下:
序号 | 平台名称 | 备案信息5 | 组织信息28 | 审核信息9 | 重大事项1 | 经营信息28 | 项目信息24 | 其他信息5 | 加减分 | 总分 |
序号 | 平台名称 | 备案信息5 | 组织信息28 | 审核信息9 | 重大事项1 | 经营信息28 | 项目信息24 | 其他信息5 | 加减分 | 总分 |
1 | 道口贷 | 4.0 | 28.0 | 9.0 | 1.0 | 22.7 | 23.4 | 4.0 | 6.0 | 98.1 |
2 | 洋钱罐 | 4.0 | 28.0 | 9.0 | 1.0 | 27.5 | 17.3 | 5.0 | 6.0 | 97.8 |
3 | 51人品 | 4.0 | 28.0 | 9.0 | 1.0 | 28.0 | 21.7 | 5.0 | 1.0 | 97.7 |
4 | 积木盒子 | 4.0 | 28.0 | 9.0 | 1.0 | 27.5 | 18.9 | 4.0 | 4.0 | 96.4 |
5 | 微贷网 | 4.0 | 28.0 | 9.0 | 1.0 | 25.2 | 18.9 | 4.0 | 6.0 | 96.1 |
6 | 向前金服 | 3.8 | 28.0 | 9.0 | 1.0 | 26.0 | 19.0 | 5.0 | 4.0 | 95.8 |
7 | 链链金融 | 2.0 | 28.0 | 9.0 | 1.0 | 26.2 | 20.0 | 5.0 | 4.0 | 95.2 |
8 | 翼龙贷 | 4.0 | 28.0 | 9.0 | 1.0 | 27.5 | 16.7 | 5.0 | 4.0 | 95.2 |
9 | 友金服 | 2.0 | 28.0 | 9.0 | 1.0 | 27.2 | 18.8 | 4.0 | 4.0 | 94.0 |
10 | 融金宝 | 3.0 | 27.8 | 9.0 | 0.0 | 24.5 | 20.4 | 5.0 | 4.0 | 93.7 |
11 | 奇乐融 | 2.0 | 28.0 | 9.0 | 1.0 | 27.2 | 18.0 | 4.0 | 4.0 | 93.2 |
12 | 宜人贷 | 4.0 | 28.0 | 9.0 | 1.0 | 26.0 | 18.1 | 3.0 | 4.0 | 93.1 |
13 | 玖富普惠 | 4.0 | 28.0 | 9.0 | 1.0 | 26.4 | 17.6 | 5.0 | 2.0 | 93.0 |
14 | 人人贷 | 4.0 | 28.0 | 9.0 | 1.0 | 27.0 | 19.8 | 5.0 | -1.0 | 92.8 |
15 | 向上金服 | 4.0 | 28.0 | 9.0 | 1.0 | 25.9 | 16.4 | 4.0 | 4.0 | 92.3 |
16 | 汇中网 | 3.8 | 28.0 | 9.0 | 1.0 | 27.2 | 20.2 | 4.0 | -1.0 | 92.2 |
17 | 投哪网 | 3.0 | 27.0 | 9.0 | 1.0 | 26.8 | 21.9 | 4.0 | -1.0 | 91.7 |
18 | 有利网 | 3.8 | 28.0 | 9.0 | 1.0 | 25.2 | 21.6 | 4.0 | -1.0 | 91.6 |
19 | 首金网 | 3.8 | 28.0 | 9.0 | 1.0 | 27.2 | 16.4 | 4.0 | 2.0 | 91.4 |
20 | 搜易贷 | 4.0 | 28.0 | 9.0 | 1.0 | 27.2 | 22.0 | 5.0 | -5.0 | 91.2 |
21 | PPmoney网贷 | 4.0 | 28.0 | 9.0 | 1.0 | 27.5 | 18.6 | 4.0 | -1.0 | 91.1 |
22 | 博金贷 | 4.0 | 28.0 | 9.0 | 1.0 | 28.0 | 18.2 | 5.0 | -3.0 | 90.2 |
23 | 91旺财 | 3.0 | 28.0 | 9.0 | 1.0 | 27.2 | 18.0 | 5.0 | -1.0 | 90.2 |
24 | 点融 | 3.0 | 28.0 | 9.0 | 1.0 | 26.7 | 20.4 | 5.0 | -3.0 | 90.1 |
25 | 嘉石榴 | 3.0 | 28.0 | 3.0 | 1.0 | 25.2 | 21.9 | 4.0 | 4.0 | 90.1 |
26 | 元宝365 | 3.8 | 27.9 | 9.0 | 1.0 | 26.7 | 18.5 | 4.0 | -1.0 | 89.9 |
27 | 捞财宝 | 2.0 | 28.0 | 9.0 | 1.0 | 28.0 | 17.6 | 5.0 | -1.0 | 89.6 |
28 | 桔子理财 | 2.0 | 28.0 | 9.0 | 1.0 | 27.0 | 16.3 | 4.0 | 2.0 | 89.3 |
29 | 德鸿普惠 | 4.0 | 28.0 | 7.5 | 1.0 | 26.2 | 17.2 | 3.0 | 2.0 | 88.9 |
30 | 爱投金融 | 3.0 | 28.0 | 9.0 | 1.0 | 24.5 | 20.0 | 4.0 | -1.0 | 88.5 |
31 | 随手记 | 3.0 | 28.0 | 7.5 | 1.0 | 26.0 | 15.0 | 4.0 | 4.0 | 88.5 |
32 | 民贷天下 | 2.0 | 28.0 | 9.0 | 1.0 | 26.7 | 19.4 | 5.0 | -3.0 | 88.1 |
33 | 连资贷 | 4.0 | 27.0 | 9.0 | 1.0 | 26.7 | 18.2 | 5.0 | -3.0 | 87.9 |
34 | 广州e贷 | 4.0 | 28.0 | 9.0 | 0.0 | 25.2 | 19.6 | 5.0 | -3.0 | 87.8 |
35 | 拍拍贷 | 2.8 | 28.0 | 9.0 | 1.0 | 26.0 | 13.0 | 4.0 | 4.0 | 87.8 |
36 | 普惠家 | 3.3 | 28.0 | 6.0 | 1.0 | 27.2 | 20.8 | 4.0 | -3.0 | 87.3 |
37 | 杉易贷 | 2.0 | 28.0 | 9.0 | 1.0 | 28.0 | 21.1 | 4.0 | -6.0 | 87.1 |
38 | 海融易 | 3.0 | 28.0 | 9.0 | 1.0 | 24.2 | 17.8 | 5.0 | -1.0 | 87.0 |
39 | 拓道金服 | 4.0 | 28.0 | 0.0 | 1.0 | 24.0 | 19.9 | 4.0 | 6.0 | 86.9 |
40 | 互融宝 | 4.0 | 28.0 | 3.0 | 0.0 | 26.0 | 18.8 | 5.0 | 2.0 | 86.8 |
41 | 布谷农场 | 2.0 | 28.0 | 9.0 | 1.0 | 25.3 | 18.4 | 4.0 | -1.0 | 86.7 |
42 | 泰然金融 | 4.0 | 28.0 | 0.0 | 1.0 | 27.5 | 19.0 | 5.0 | 2.0 | 86.5 |
43 | 你我贷 | 2.1 | 28.0 | 9.0 | 1.0 | 26.7 | 15.6 | 5.0 | -1.0 | 86.4 |
44 | 首E家 | 3.0 | 28.0 | 9.0 | 1.0 | 26.2 | 16.0 | 4.0 | -1.0 | 86.2 |
45 | 知商金融 | 3.0 | 28.0 | 0.0 | 1.0 | 22.7 | 21.5 | 4.0 | 6.0 | 86.2 |
46 | 白菜金融 | 3.3 | 25.0 | 3.6 | 1.0 | 27.2 | 19.0 | 5.0 | 2.0 | 86.1 |
47 | 中业兴融 | 3.0 | 27.7 | 9.0 | 1.0 | 25.3 | 18.8 | 4.0 | -3.0 | 85.8 |
48 | 和信贷 | 3.8 | 28.0 | 0.0 | 1.0 | 26.2 | 18.7 | 4.0 | 4.0 | 85.7 |
49 | 凤凰智信 | 3.8 | 28.0 | 6.0 | 0.9 | 25.2 | 17.8 | 5.0 | -1.0 | 85.7 |
50 | 小鸡理财 | 4.0 | 28.0 | 3.0 | 1.0 | 25.5 | 16.0 | 5.0 | 3.0 | 85.5 |
51 | 爱钱进 | 4.0 | 27.2 | 9.0 | 1.0 | 26.2 | 13.0 | 4.0 | 1.0 | 85.4 |
52 | 鹏金所 | 2.8 | 28.0 | 9.0 | 1.0 | 24.2 | 17.2 | 4.0 | -1.0 | 85.2 |
53 | 聚优财 | 4.0 | 27.0 | 3.0 | 1.0 | 26.0 | 17.0 | 5.0 | 2.0 | 85.0 |
54 | 米庄 | 3.0 | 27.0 | 1.5 | 1.0 | 26.7 | 16.6 | 5.0 | 4.0 | 84.8 |
55 | 合众e贷 | 1.0 | 27.9 | 3.0 | 1.0 | 26.4 | 19.4 | 4.0 | 2.0 | 84.7 |
56 | 智富贷 | 2.0 | 28.0 | 3.0 | 1.0 | 27.2 | 18.9 | 5.0 | -1.0 | 84.1 |
57 | 达人贷 | 2.0 | 28.0 | 3.0 | 1.0 | 26.2 | 19.7 | 3.0 | 1.0 | 83.9 |
58 | 融贝网 | 3.3 | 28.0 | 3.0 | 1.0 | 25.5 | 18.9 | 5.0 | -1.0 | 83.7 |
59 | 乾贷网 | 2.8 | 27.0 | 7.5 | 0.0 | 24.2 | 17.5 | 5.0 | -1.0 | 83.0 |
60 | e融所 | 2.0 | 28.0 | 9.0 | 0.0 | 26.0 | 14.9 | 4.0 | -1.0 | 82.9 |
注:
2. 本表仅表示平台当月信披透明度,得分高低情况并不表征平台安全性,不构成投资建议;
3 如对数据有所疑问,请联系mail:wangchunying@wdzj.com。
注:
2.为强化网贷平台信披指标,对同一指标不同信披质量设置差异化打分,比如风险管理信息,详细描述了风险管理架构、评估流程、预警、催收等信息的打满分,描述过于简单的酌情扣减分;第三方担保披露担保主体全称的打满分,脱敏处理或未披露的酌情扣减分;
3. 设置以下增减分项:数据不符合时效性(-5),项目信息获取有难度(-5),信披声明(2),披露资产来源(2),实控人(2),详细借款人名称(2)。
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