On January 22, platform of Beijing some P2P releases a message to say external, because borrower fails to return to return money and break couplet, platform already cannot pay for sb and expect to be repaid later, become 2015 first P2P platform that close down. Why to meet cannot pay for sb and expect to be repaid later? High interest is apparent difficult demit its blame. As we have learned, this platform is the platform of famous high interest P2P inside P2P course of study, the annual interest rate of many investment mark is close to or exceed 40% , rate of annual interest of loan of much money project is as high as 45.2% even. To this, national endowment is P2P place of platform head gold (Www.shoufax.com) express, yield often is accompanied with risk photograph, the P2P domain of be overflowing with is resembled in chaos, many platform are being hit " high interest " investor of banner lure by promise of gain, when investor is choosing platform, approach the platform with exorbitant accrual, ought to take care all the more, high income means higher risk, dovish investment just is the path that fortune upgrades.
The domestic data that the net borrows shows, since last year March, the net lends industry only month integrated yield appears to drop continuously trend, up to by last year December, the net lends only month integrated yield drops to 16.08% , and compare to it, 40% , even the interest rate of 50% is apparent unimaginably queer. And have do not cease high at the blind pursuit 2013, since 2014, investor whole more tend reason, the investment that capital safety makes most investor the first element, so with head platform of endowment department P2P becomes the state that golden place is a delegate the optimal choice of dovish investment. Head golden place also devotes oneself to to promote dovish investment all the time, retain a true and rational earnings for investor, have long-term investment in order to bear more investor.
Head golden place (Www.shoufax.com) capital entrusts the banner tripartite inside course of study mandatory platform undertakes mandatory, ensured investor fund and platform capital depart completely, and head exposure of golden place information is transparent, of investor invest every time, operate every time, its capital flow direction is clear and clear, investor can inquire in account, information exposure is transparent also become the one big factor that guarantees dovish investment. This lets the author associate to the experience of an investor: He landed a few platform, always feel some do not rely on chart, because there is some of product borrow or lend money on these platform,information of person condition, loan says vaguely, hear of those who the boss wants financing to build platform even, so investor only the force by oneself distinguishs very hard, this shows, be in " high interest " besides, information exposure is opaque also can investor make correct decision-making, block up investor is dovish investment.
Besides, head golden place still built strict project to choose a system, meet on the choice of the project more project of apt low risk, the item that does not accord with a requirement is same eliminate, the risk gets be reducinged effectively, the accrual of investor just has safeguard more. Head golden place points out, actually, the investor that great majority has the idle beyond capital fund in the hand investing is to be being held in the arms in the purpose that extra income earns besides working gains, and bank deposit profit is too small, risk of investment stock market is too big, so relatively at bank and stock market, the P2P net with accrual and relatively reasonable risk is borrowed wide accept favour. But investor oneself cannot discern the authenticity of platform, more the security that have no way is informed investment project, p2P industry should assure to invest the quality of the project. Such investor are cast " clear " , just also can cast " set one's mind at " .
Income is higher, the risk is higher, this to the iron rule that a constancy is for investment. Enter 2015, believed to superintendency P2P resurgence develops to more normative direction, the fund that wants him safeguard really nevertheless is safe, do a mature investor, strengthen oneself to judge ability and investment analysis ability more even, dovish investment just is the path that fortune upgrades. Believe with head golden place is a delegate have powerful state endowment the country that setting zephyr danger ensures platform of endowment department P2P, can have positive effect to promote dovish investment.
