小树时代（深圳前海小树时代互联网金融服务有限公司）是为年轻人提供金融服务的大型综合平台。深圳前海小树时代互联网金融服务有限公司于2014年在深圳前海注册成立，注册资本为1000万元。小树时代为专注于年轻人的互联网金融服务平台。

  和讯网消息作为互联网金融体系的一只先锋力量，P2P>网贷平台的发展备受关注。9月26日，中国互联网金融行业首次网络借贷平台评级在上海发布。

  根据网贷之家发布的月度平台评级，综合指数排名前十的网贷平台分别是人人贷、拍拍贷、红岭创投、365易贷、微贷网、陆金所、>有利网、融信财富、808信贷、>温州贷。

  网贷之家创始人徐红伟在发布会上表示，今年P2P网贷平台的模式与规模都在不断扩张。从去年平均每天一两家的上线速度，到今年出现了平均每天上线10家新平台，高息奖励也使得新平台更具吸金效力，仅是7家具有一定代表性的老牌P2P平台，2013年上半年的成交量较去年同期上升了216%。今年全年网贷平台成交量突破500亿是可以预见的。

  徐红伟指出，但网贷行业目前处于无门槛、无监管的状态，数百家平台良莠不齐、乱象丛生，一些平台蕴含着不小的道德>风险甚至法律风险，去年底出现了携款跑路现象。

  “经过半年多的酝酿，网贷之家首次尝试推出了网贷平台评级，旨在给>出借人和网贷平台人员提供一个更好的了解与考量网贷平台的参考指标，推动行业的规范和健康发展。这也填补了网贷行业的一个评级空白。”徐红伟说。

  网贷之家首席研究员马骏指出，此次评级基于网贷之家采集的75家网贷平台8月份的公开信息和成交数据，对成交量、营收、人气、收益、杠杆、流动性、分散度、透明度、品牌等9项指标在0-100分范围内评分，并加权得出各个网贷平台的综合指数。每项指标又下设的小指标，从多维度、客观的展现一个网贷平台的综合影响力与综合实力，未来将每月发布一次评级。

  徐红伟强调，网贷之家对于P2P网贷平台的界定标准，是在线交易过程，即不论出借人和借款人是从线上还是线下招募，但交易过程必须在网上完成，有投标这样一个过程。而宜信模式更多是通过线下网贷端进行交易，所以没有作为评级对象。

  “目前已有60-70%的P2P平台与网贷之家接入了数据接口，实时提供数据，网贷之家也会抓取各平台的数据，每月都会进行2-3轮数据校验，误差在1%内。”徐红伟补充说。

  马骏坦诚，目前的评级办法也存在着不足，比如，未反映平台的运营模式，与平台的安全性无法挂钩，未与考察认证相结合，平台公布或提供的成交数据可能掺水等等。

  徐红伟告诉和讯网，后期网贷之家会根据行业变化做适当调整，并针对平台的安全性做相应的研究及认证，择机推出安全系数的评级。

  75家网贷平台评级（8月）

  平台名成交量营收人气收益杠杆流动性分散度透明度品牌综合指数

  权重10%10%22%6%4%5%15%10%18%100%

  人人贷83.9190.592.8622.8914.13581.2355.290.9874.14

  拍拍贷56.1571.8897.947.96033.1394.547.28172.36

  红岭创投75.5279.3785.7928.6646.852.9660.9554.485.8170.63

  365易贷59.1763.5274.242.1647.1346.1763.1754.473.7863.51

  微贷网59.7362.2168.0232.4322.444.2975.2160.868.7161.94

  陆金所94.6910064.7811.1638.54559.146.488.6961.66

  有利网55.7662.0473.0533.9178.6720.8179.5941.663.6861.63

  融信财富50.8553.3469.1839.8136.1867.4769.5573.660.8661.59

  808信贷59.7254.8374.1956.1846.6752.563.2967.252.8261.36

  温州贷68.1262.0479.1623.7716.0991.5441.3644.868.3760.07

  盛融在线70.3164.0264.8240.8524.2660.3446.9162.469.5559.93

  新新贷61.1566.4647.4746.5340.1747.3761.0168.862.8357.31

  汇通易贷39.2839.9953.3654.3756.1770.6362.148055.0555.94

  晋商贷66.5765.7851.8677.4165.6362.9128.0243.252.8753.1

  一起好46.2945.6658.574635.8469.0350.1373.646.6453

  宜人贷54.1670.0552.6217.7136.1573.5813.675.5352.75

  煜隆创投41.1839.4854.4459.4176.7454.5660.052465.452.58

  人人聚财44.3948.6355.5523.4646.3245.1563.6149.659.0152.17

  通融易贷40.342.3547.5645.835667.7662.7859.250.351.5

  鲁商贷47.1948.743.5782.4839.4248.7141.218046.4850.68

  万惠投融57.3854.7654.8851.4374.1454.8128.7244.853.4250.48

  草根新贷30.5229.737.4696163.3864.1773.650.6550.1

  信融财富60.5657.353.7456.2861.7757.2616.8950.455.3949.86

  银通贷61.2255.2451.5375.3855.6549.6728.3935.252.3549.42

  紫枫信贷40.5338.5652.2161.3342.4547.2961.1538.451.3649.39

  工商贷52.253.9147.3952.3835.5933.9340.176452.1949.12

  起点贷45.1143.1346.7268.4172.7557.2751.7654.437.5648.94

  及时雨46.446.9546.569.2881.6467.0833.878028.4348.54

  合拍在线72.966.6452.3924.321.7259.5230.1922.459.6148.28

  开心贷37.5841.2241.8146.757.264.345.9976.845.4548.14

  全民贷41.1640.8839.6167.3364.085743.4767.246.1947.92

  招商贷56.0354.2449.477.6761.4753.4730.1670.423.4847.48

  易通贷47.6550.0740.378.6378.646.1731.724844.1546.31

  快速贷40.2733.7546.2672.4470.2362.8147.0546.436.9846.23

  铜都贷55.0852.4250.6782.6242.1257.742570.421.6846.12

  三信贷35.6837.9434.2268.5835.0353.3157.3360.844.3745.74

  紫金贷49.546.9845.3676.1743.9659.0428.084841.5945.41

  中宝出借68.865.4842.0534.0125.4754.823.643255.0945.14

  易网贷36.1735.9642.4148.451.5171.354.6452.834.5544.77

  惠众金融27.7128.7334.9875.1762.0656.463.5873.625.2944.6

  涌金贷38.8730.736.7174.7155.9761.9641.626438.3244.39

  盛世创投37.9339.4228.7162.4245.8567.2252.875640.2643.77

  人众金融48.2747.4534.3671.3869.555.9827.9152.838.3143.35

  钱贷34.1928.2531.4572.5463.0158.3743.1470.437.7943.27

  热贷网29.3327.4930.9558.5264.7368.3550.5351.247.5243.26

  中联乐银42.9639.5936.2974.6741.6160.5534.785638.9643.24

  呱呱贷29.152539.9279.256.6256.3255.4451.229.7642.82

  证大e贷29.3938.0737.5636.2256.620.6561.9732.853.2142.63

  安心贷12.6220.2929.539.4710048.4363.8833.658.3842.02

  龙城易贷22.9225.2626.3463.0473.1570.356.7573.626.541.48

  畅贷网26.2134.323.7934.6651.6127.1665.3535.262.1941.3

  慧财网28.5333.6636.1849.9654.2446.465.3441.630.5941.13

  华生贷28.8827.837.0682.6776.3760.3453.765613.4640.94

  中融资本44.8943.3531.7571.6250.6656.421.846.443.8840.76

  义乌贷25.1325.5527.171.9580.2158.3752.0149.634.8240.5

  信用宝9.9416.5741.4332.2659.5935.8287.936.831.3140.38

  联投网31.1328.8927.0380.46358.6942.568018.7339.98

  MY标客30.4426.9631.5667.5653.754.4347.2756.828.6439.53

  好想贷20.6113.3336.2375.5245.3372.8761.0849.622.139.45

  广富宝11.722.6430.0351.4150.6841.776.9759.223.2838.89

  一城贷41.6238.3831.8876.4153.1560.8623.2154.426.5638.47

  宏信创投26.5626.4422.1465.3483.9461.0841.4651.235.4438.22

  广融贷21.8723.3327.66560.5577.4547.6860.840.6437.75

  友友贷24.7924.9129.9663.7752.3365.8647.5843.225.3936.8

  乐网贷35.2833.8336.6775.649.3661.5142.8130.415.4136.8

  合力贷17.2224.269.3653.8210061.5465.5928.841.7436.75

  四达出借32.734.2431.1362.862.1540.9319.4354.435.4436.58

  阿拉贷27.0915.9413.2771.6357.3410032.4662.430.3535.38

  徽州贷41.3637.7439.9186.6643.5911.9618.23228.0635.21

  山水聚宝20.4822.6226.9971.582.4759.2350.9822.424.8235.15

  中州易贷21.4422.1223.1858.993.4876.0845.0841.619.735

  招金贷35.936.9932.8783.524.8253.6525.3741.615.7334

  速帮贷5619.443.1588.3169.0264.6736.820.4732.01