一夜暴涨超50% RWA信贷的春天要来了？

Yesterday, I chased the industry hotspots of Coin Security. Today, I continue to go back to the industry I am good at. It's really interesting to observe this period of time. The giants mentioned a few days ago have also skyrocketed. It's just that I'm also preparing relevant content to introduce the progress of private credit to you. After all, not all encryption projects are air, and some individual officers mentioned my industry positions a few days ago. When you were busy typing inscriptions, tokens had already quietly taken off. At that time, I was still complaining that most tokens performed very well, that is, peace watches. I can't do it now, but it took off together this morning, especially the skyrocketing. I was just about to introduce the development of private equity in the track recently. Let's take this opportunity to tell you about it. Private equity is a mature industry. There is an old saying in China that the end of technology is lending. At present, there is a similar saying in the private equity circle of the United States. The end of private equity is lending. Blackstone, Goldman Sachs, Gao Ling and many other giants are engaged in private equity business. According to the definition, private equity is an asset that is not a bank loan. Bonds are not issued or traded in the open market. There may be a more widely known name in China. The scale of private lending in the world is about one trillion dollars, which is about the same as the size of the currency circle. When it comes to the rate of return, loans have always been second only to stocks, which is a relatively high return, but it is different from banks and publicly issued bonds. In the financial field, private lending is an alternative asset. In the US, only qualified investors can participate in the early core of private lending. According to what I said at the beginning of this number, The viewpoint put forward by unreliable observation may start from the long tail. The long tail here is divided into two dimensions. First, the core assets such as large corporate bonds and stocks are counted as head assets, but the marginal assets such as debt and art are counted as long tail assets. Second, the financial markets of developed countries are counted as head assets. The markets of developing countries such as Asia, Africa and Latin America are counted as long tail markets. In terms of asset categories, private credit is different from public bonds. If it can be done in developing countries in Asia, Africa and Latin America, That still belongs to the long tail market. According to the data of well-known analysis websites in the industry, at present, the world's token private equity credit is billion dollars in asset category, which is second only to the billion dollars of US Treasury bonds. From the perspective of asset scale, the focus of today's introduction is to rank third. The positioning of the leading model of the subdivision track is decentralized loan agreement. Over the years, it has completed three rounds of financing totaling million dollars, of which the last two rounds were led by leading investors, and most of the projects were loaned to chain encryption investors two years ago. Different from the current corporate bonds focusing on emerging markets, finding suitable borrowers in Asia, Africa and Latin America through various ways is essentially a loan platform. After the investors give the money, they will get a token called "Dollar", and then they will lend it to multiple projects in the pool, so that investors will not lose all the principal unless all the projects default. Interestingly, in fact, investors can buy it directly on the exchange without investing, and the price is also cheap according to the recent price of USD. It is equivalent to selling the investment in the secondary market at the price of RMB yuan after you have invested the principal of RMB yuan. Does this seem silly? This is mainly due to the influence of these two recent defaults, which caused bad debts of USD 10,000 by motorcycle rental companies in Africa in the month and USD 10,000 in the month. Investors who hold bad debts can choose to get back the principal and interest when it expires, or sell it before it expires, but if you trust the risk control ability, it may also mean getting higher income above the chain. The case is still in the early stage, and the risk control is a short board. At present, most of the funds are in the state of lending, and the repayment amount only accounts for half of the repayment amount. Let's take a detailed look at how the bad debts are formed to provide asset support financing for small enterprises in Uganda and Kenya. Their core customer base is motorcycle taxi drivers, and local motorcycle drivers borrow money to buy cars and then pay back passengers. In fact, as early as this month, they realized that the company's financial situation is problematic. The reason given is that With Russia's invasion of Ukraine and high global inflation, the recent increase in fuel costs has made it more difficult for drivers to fulfill their obligations, which has led to the cancellation of the lease and the resulting increase in recovery. That is, the borrower returned the motorcycle to the company. After a series of wrangling communication, all the principal loaned by US dollars was finally recorded as bad debts, and encrypted payment and credit have achieved mutual success in the future. Anyone who has experienced or domestic internet finance should know that the core of credit business is risk control, and the core of risk control is current data. The data generated by the coverage of the encryption scene is far from enough to provide risk control services for the online private credit business. Therefore, the current private credit business still needs to rely on a large number of traditional methods to ensure the risk control level. However, with the development of encrypted payment, more and more data may be accumulated in the chain. This development path is actually the same as the logic of Alipay WeChat payment and lending in the past, except that the payment data on the chain is public and will not be in the hands of a few giants. My judgment on the current development of private credit is that 比特币今日价格行情网_okx交易所app_永续合约_比特币怎么买卖交易_虚拟币交易所平台

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