Local tyrant by fiducial play dead, in produce be played dead by the stock, careless root is played dead by P2P; You choose P2P to want to acquire interest, but the capital that what P2P wants is you. -- similar such " Duan Zi " still have a lot of, those who do not have one exception is maintain P2P it is greatly " hellion " . Whether P2P is like really " Duan Zi hand " what say, be serpentine and crafty " hellion " ?
If want to judge P2P really,be good person or hellion this propositional word, we might as well speak of from the standard of good person and hellion.
Good person and hellion
Stand before a flock of people when us, how is who we judge good person, who is hellion? Feasible differentiate method establishs a standard namely. Be in short-term inside differentiate a person is good person or hellion, have 3 levels. It is one's previous experience; 2 it is behavior; 3 it is feelings.
Why be as above 3 standards? Reason is as follows.
Human behavior is to have certain and inertial, this kind inertial likelihood comes from the environment that grows at him. One's previous experience and the behavior mode that form in growing environment, can accompany him and guide in new environment, but whether is one's previous experience does not decide a person hellion, good person, good person, hellion should watch behavior show, this is so called " watch its to go " . Moreover, aspiration can make a person move toward the respect of be apt to, bring about the respect with evil trend possibly also, and feelings and aspiration differ somewhat, feelings is sentient work, and try near an end.
After establishing a standard, we might as well according to these 3 standards, will judge what P2P platform is " good person " , what is " hellion " ?
Good platform and bad platform
Above all we see a body.
The one's previous experience of alleged P2P platform, those who point to is the ordinary members of theatrical troupe of platform and virgin group. Review platform of existent 3000 or so P2P, ordinary members of theatrical troupe has 3 great one's previous experience. It is Internet ordinary members of theatrical troupe, this kind of platform values the function of data, what basically be engaged in is the financial business that popularizes a gender, spokesman has finance of remaining sum treasure, ant to wait; 2 it is financial ordinary members of theatrical troupe, the virgin group of this kind of platform comes from the financial orgnaization transition such as the bank, acceded the wind with financial strict orgnaization controls a system; The 3rd kind of ordinary members of theatrical troupe is civilian leasehold company, include intermediary of financing of small and leasehold, folk to wait a moment.
The P2P platform that 3 kinds of different one's previous experience create, from the point of dangerous grade, sex of danger of civilian leasehold one's previous experience is highest, internet take second place, finance again.
And the one's previous experience that Qi day actor borrows can be become be duped to be able to be faced " zenithal, general view numerous hill is small " . Xuan day actors or actress borrowing is the subsidiary that Zhejiang includes limited company outside service of wide numerous banking, wide numerous finance registers capital to be as high as 200 million. Apparent, from one's previous experience character, qi day actor is borrowed the photograph is otherer P2P platform has natural wind to control gene.
Next we view action.
The behavior of alleged P2P platform, those who point to is the characteristic of platform. Sum up current platform, have the platform with 4 kinds of bright characteristics, especially provoking attention.
The first kind is the platform of high income. This kind of platform at every turn accrual is in 20 ％ above, attract an user to invest with high income, and the reason of high income backside also is not difficult conjecture arrive, the likelihood is the crowd that borrowed high risk fund, the likelihood uses user of oneself capital allowance namely. Former and dangerous, latter cannot last.
The 2nd kind is big mark platform. The sign with this kind of the least platform is in 1 million above, also can appear on 100 million yuan financing tender forehead.
The 3rd kind is the platform that turns pattern by force. This kind of platform throws many capital to be used at the ground to push, if the line lays progress salesperson, build door store, some had been broken away from even " Internet " attribute. According to the observation that Qi day actor borrows, bilk of this kind of platform, pass annul, pull store possibility is very large.
The 4th kind is the platform that invests high risk industry. The platform that is landed industry financing technically for example, platform that undertakes Internet project investment technically is waited a moment, the operation risk that asset of this kind of platform carries is great.
If we undertake permutation according to risk size, the ground pushs platform > ; ; > of high income platform; ; The platform > of big mark; ; Platform of high risk industry, when these 4 kinds of platform are investing, need discretion and be, qi day actor is borrowed express, most what be valued by us still is accrual the dimensions moderate of dovish, mark, borrower is extensive and the platform that develops steadily.
Finally, we see feelings.
P2P place shows the feelings that come out, basically be the father business ideal that sees P2P and style of platform conduct propaganda, the feelings summary that we can show P2P place roughly is 3 kinds.
The first kind, "Domestic state " feelings. This kind of platform flaunts him normally for " state-owend enterprise setting " , " bank setting " , " policy supports " etc, from this and attract an user, actually, this is platform nevertheless " borrow situation and for " , make the same score body of a playscript with stage directions and expect without true material fact. The near future is flat greatly the group is.
The 2nd kind, transition feelings. The target that this kind of platform did not make clear and powerful execution force, either by " good drawing " , namely " the situation is press " , just enter P2P industry, firm of city of exemple as above is much human relations share is incognito a protruding be equal to, transition does Internet banking, belong to this kind.
The 3rd kind, general benefit feelings. Have the platform of conduct financial transactions of this one ideal, realised P2P serves basic level and broad crowd this one essence, the hope carries out people economy through P2P, make individual and medium and small businesses more convenient at the same time financing. Qi day actor is borrowed express clearly to want to advance " HP finance " , the 0 poundage that roll out are more true put the user on the heart.
To sum up in a word: One's previous experience decent, behavior the P2P with reliable, clear feelings, namely " good person " , conversely, need to invest an user somewhat vigilant.
