The recent news of P2P thunder is endless, just like the summer lotus, which is in full bloom. Behind every news, there are countless investors running around the police station under the hot sun.
First of all, I declare that the content I described is objective and neutral, and does not mix any subjective elements or prejudices.
P2P is the abbreviation of person-to-person (or peer-to-peer) in English, meaning person-to-person (partner-partner). Also known as peer-to-peer network borrowing, it is a kind of private micro-loan model that gathers small amounts of funds and lends them to people in need of funds. It is a kind of Internet finance (ITFIN) product. It belongs to the private micro-loan, with the help of the Internet, mobile Internet technology, online credit platform and related financial behavior, financial services.
This is the interpretation of Baidu Encyclopedia. Since it is a private loan, there are naturally loans and repayments. If Lao Lai borrows money but does not repay it, how can he protect the interests of investors? This is one of the investment risks. If the formal platform can really reduce the risk and diversify the investment, not every borrower will make an appointment.
At the beginning, there were only a few informal P2P thunders. We can be classified as boss fraud or illegal fund-raising, including misappropriation of funds, self-built fund pools, and false targets . This is the second investment risk.
This is the third risk if you run into a run.
The run is actually not in the P2P category, because you have a contract with a loan repayment date, how can you access the current financial function at any time? Bank money funds will limit the amount of withdrawals on that day. How can these platforms support the current run?
Based on the lack of trust, a large number of investors run wild, in fact, they pit themselves.
There are even those who fall into the well and take advantage of the closure of the platform and owe money but do not pay back. This kind of old Lai should go to the credit list to restrict their travel and apply to the court to enforce the repayment.
I believe that most people investing in P2P is not holding a small-minded mentality. After all, the threshold for growing wool is not everyone can take advantage of it. Based on the current stock market garbage, the property market is too expensive, inflation, and trade wars. For foreigners, P2P has provided a wealth management channel for the general public to maintain value (just higher than that of banks and not to make big fortunes).
I think P2P will go through a market test of several months or half a year or more. After the waves retreat, I only know who is swimming naked.
Among them, I don't know whether it is the Lai Lai or the bank that benefits. Who can protect the rights of the victim investors? Earlier, E Zuobao had a CCTV advertising platform. This time, the investment home has the owner of the online loan home, which reduces the credibility. If we live in an environment full of fraud and deception, it is extremely dangerous.
Will P2P die? I don't think it will. If the stock market has fallen into shit, some people will still throw money into it. After all, under the current general environment, everyone is not allowed to choke on food.
Prosperity, the people suffer; death, the people suffer. The people just want to simply live and work in peace and contentment. The supervisory authorities will then introduce more policies. The greater pressure is on how to control the crisis of inflationary currency depreciation.
The world is busy, all for profit, the bottom gambling life, the middle gambling house, the top gambling country games.
