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I had discussed the development course that net of our country P2P borrows to everybody before. Patted 2007 pat borrow hold water, the mark wears those who be based on the P2p net of Internet to borrow business to be in China to be born. But arrive from 2007 2012, the development rate that 5 this years much time P2P net lends is slower, 2010 when 10 nets borrow the line on ability platform, 2011 when it is 50 nets borrow platform, to 2012 when just develop 200.
Till 2013, of remaining sum treasure come out open the first year of an era or the reign of an emperor of Chinese Internet finance, activationed common popular investment is enthusiastic, the net borrows the P2P that represents as general benefit finance to be strung together quickly red, the net that makes investor is red. The net borrowed platform to increase 800 at a draught 2013, to 2015 when, the net borrows platform amount to grow many 2500, can say to arrive from 2013 2015, p2P net shifts the development that experienced blowout form, but the problem is following one by one also. The most typical is many P2P net borrows platform to run road, from 2015 second half of the year begins, whole web borrows an industry to be immersed in run Lu Chao, run the road became a net to borrow a term of platform, those who point to is the net borrows platform to carry now difficult, close close a business, chief loses the status of couplet.
Have quite run representatively road platform is borrowed like copper, day force is borrowed, east is achieved cast, actor easy net, E hires treasure these, platform runs very big loss is brought to investor after the road. Be immersed in run platform cardinal principle of Lu Chao is divided kind, one kind is the platform of pure bilk, to encircle money, send label of a few seconds or day bid, given interest is extremely high, alluring investor, once capital arrives,Zhang runs quickly road. The net that is a purpose with bilk borrows platform to run the speed of the road is one domestic comparing fast, can saying is to do not have the fastest, only faster.
Borrow platform Fu Xiang to achieve like the net that is located in Fuzhou cast a line 3 days to run road, the silver-colored silver that is located in Shenzhen borrows the line on platform two days to run road, be located in Shenzhen likewise yuan achieve cast a line one day to run road, still the faster constant gold that is located in Zhejiang stage city namely is borrowed, the line on in the morning, sent day bid to encircle money to run afternoon later road. Who doesn't this speed have;
The 2nd kind is from platform of be in harmony, what been tell to everybody before is the net borrows platform from be in harmony, the platform from be in harmony is he gives oneself give aid and support commonly, the fund that draws through platform is used at correlation square project, dummy perhaps project is platform oneself financing. Classics regular meeting is used as a result of capital undeserved, bring about platform to carry show difficulty, last financing catenary ruptures flat run road;
The 3rd kind runs the platform that road platform is management not to be pooh-poohed. Compared with bilk platform, from platform of be in harmony, even of this kind of platform still is effort to do P2P net to shift business, because oneself wind accuses ability difference, level of platform operation ability, technology is low wait for an element, bring about a net to borrow platform borrower exceed the time limit or break a contact, loan closes not to come back, investor cannot be carried normally now, bring about concentration finally a run on a bank, happen run road. These two years deep-set run heavy disaster area of Lu Chao is Guangdong, Shandong, Zhejiang, visitting these a few places conversely also is the place with economic more dynamic progress. End at present, the net borrows platform to one most has fallen into enemy hands, so does P2P net borrow platform why deep-set run Lu Chao?
Actually above me enumerated run 3 kinds of categories of road platform, also be the net borrows platform deep-set run Lu Chao's reason, the net borrows platform to be suspected of bilk, from be in harmony, management not to be pooh-poohed, build capital pool oneself, but these are presentative, the most primary crucial point reason depends on lack superintending, perhaps do not superintend reach the designated position, superintendency not to be pooh-poohed. Invest plus the fanaticism of investor, borrow platform to run to P2P net effect that also has add fuel to the fire. P2P net is borrowed belong to newly emerging things, arrived 2013 2015 among the development process of blowout type, superintendency reaction is lag, when only the problem appears in great quantities, the enough attention that just can cause superintendency layer and take seriously, ability can make a few superintendency policy, publish relevant law laws and regulations to have a standard to the industry.
From 2015 so second half of the year begins to arrive all the time now, borrow random elephant in the light of P2P net, superintendency layer weighs a fist to hit out again and again, came on stage in succession " the directive opinion that develops about promoting Internet finance health " , " activity of business of orgnaization of leasehold message medium manages the network temporary measure " , " leasehold capital puts the network the announcement with tubal how-to business " wait for regulations, normative P2P net shifts business. P2P net borrows business to also return to reason gradually, gradually come out runs Lu Chao's shadow. Of course, superintend effectively besides superintendency layer, the rational investment of investor also is indispensable.
Good, today's share arrive here, if you also have the clever court that identifies investment pit, or the quandary that you are facing investment side, welcome you to issue viewpoint or issue in comment area, draw on the wisdom of the masses, deliver correct investment outlook.
Reject temptation, do a sagacious investor. We see next time!
