Be in now put on record delay wind and cloud period, a lot of friends express now basically very angst, do not know to be in during putting on record, how to make investment plan.
Feel with communication hind through communicating next, still be necessary to be opposite " put on record after delay, otherwise should cast a net to borrow " this sensitive topic, share something.
One, say to put on record first delay this thing.
This year April, the message says, superintendency branch is urgent allot an announcement, requirement each district suspends extending the net is borrowed put on record the detailed rules that register (text and ask for opinion draft) .
At that time, a few places superintend a personage to express: "Heard of this message, but we did not receive formal file announcement, return it's hard to say so. Return it's hard to say so..
At the beginning of May, have media coverage again, already provincial finance does receive an announcement, p2P net is borrowed check and accept put on record will adjourn, point out put on record core is " severe control a standard, hold rhythm, in step " .
Current, had gotten on for in June, of each district put on record plan also does not have apparent rate of progress, besides plan the fastest Guangzhou area (at present, majority Guangzhou net borrowed platform to had been handed over check and accept rectify and reform material, wait to check and accept) .
The closest period of time, get affirming from superintendency personage mouth eventually: Put on record delay this thing had decided.
Do a staff member to divulge according to Guangzhou finance, superintend square requirement each district this to suspend extending the net is borrowed put on record the detailed rules that register, but did not ask to check and accept time-out. Likelihood of each district put on record the detailed rules that register can be adjusted somewhat, what have regulation for instance is unified, undertake covering interest with preventing each district detailed rules to differ.
That is to say, although Guangzhou area can undertake checking and accept, but may won't announce the result that puts on record to whether be passed tardy, let platform undertake material complement wait again after the whole nation gave detailed rules however.
Cast friend not less to begin to ask another the question: Put on record can you adjourn when?
Guess according to folk, the country should make what the whole nation unites put on record detailed rules and give big platform more rectifying and reform time, put on record should want delay one year at least, namely may defer comes of next year in June.
2, since, put on record delay is basic and OK decided, that is in put on record delay this time paragraph, should continue to cast P2P?
To this problem, can analyse from two levels: Risk and opportunity.
Say a venture first, put on record this phase of delay, the biggest risk has 3: 1. Run road, explode Leipingtaihui continues to increase;2. Investor a state of extreme nervousness, the mood does not stabilize;3. What cast product happening to change, risk lag.
"1, run road, explode Leipingtaihui continues to increase "
Believe close the net of paragraph of time borrows incident, the hint that may make many casting friendly arise to shrink back to P2P industry.
Fertile when borrowed Qing Dynasty dish, make many casting friendly borrowed platform to produce distrust; to the car of the big platform such as fortune of forest of be apt to flat also let drop friend people lose confidence to big platform.
Anyhow, ring is borrowed in the net inside, everyday little not negative.
Why before put on record run does the road explode Leipingtaihui grow in quantity?
Putting on record is a monster-revealing mirror, demons and ghosts should show a body before it, and great majority runs road platform has fatal problem, to do not die very uglily when put on record, chose to run then road; and explode thunder platform is capital catenary ruptures or detect of exceed the time limit, classics intervenes wait for vital issue appear.
Of course, still partial platform knows the problem of oneself cannot be rectified and reform, chose to exit then clear perhaps dish.
"2, P2P industry a state of extreme nervousness, investor sentiment is not stable "
During this puts on record, all P2P platform and investor are exceeding and sensitive, any a sign of disturbance or trouble can cause investor people panicky, and this also was brought to P2P platform besides answer outside putting on record, still get the sentiment that pacifies investor.
Really, investor should want to pay close attention to the tremendous upheaval that invests platform, because no matter be of the change of partner or equity structure,be changed,meet produce an effect to the actual strength of this platform, investor people should think to whether be worth to continue to be cast afresh.
But a little recreant investor, may overdo carefully, have some of a state of extreme nervousness even.
The exceed the time limit with platform small brushstroke, time of a full bid is a bit longer, an App or the upgrades to be able to cause investor panic of government-owned net, then is in each are big tripartite and conduct financial transactions group li of shout, whether to seek advice from this platform to want thunder?
Alleged 3 people become a tiger, not be all platform a run on a bank of masses of panic of able to bear is negative perhaps of public feelings.
Accordingly, each investor people, no matter be to serve as peddler or receiver, when those who see a platform is negative, should discern first its authenticity.
"3, policy is uncertain, investment product can have fluctuant risk "
Because put on record,detailed rules has not come on stage, each nets borrow platform to still be made clear not quite to the direction that rectify and reform, but OK and affirmatory is gold hands in a product to reach kind of negotiable securities to change product, current product to be not allowed, had then immediately of conduct financial transactions exit, treasure of panda exchequer, true be in harmony leave a current product.
But afore-mentioned it is to be in what undertake below more moderate step to exit reach next wearing, letting what the person denounces is everybody gets together the practice of money.
Everybody gets together money puts gather demarcate treasure switch to become medicinal powder mark, let cast what put treasure surely not less to drop friend people complaint is heavy, a lot of casting friendly people everybody won't be cast to get together again after alleging money this scampish platform.
But, does everybody get together can money be an exemple? Should not.
Still a lot of platform are having gather bid, want next wearing? Can you let drop friend people does amount of investment deadline, investment come loose a dish of sand? Say to forbid, because of in the final analysis, or policy is uncertain.
Because policy is uncertain, likelihood in the future still can appear " asset of platform ground floor, form, practice disagreement compasses " possibility, put on record to pass, platform must risk the danger of fling abuses of the friend that be cast to undertake the product is adjusted, bring about a risk to increase thereby.
In financial industry, the risk is lag, a lot of moment, only when after its happening, we just know where the risk is.
3, above at 3 o'clock, the net is cast to borrow bigger risk drop before be being thought to put on record, that whether because of these, did we abandon P2P this heaven and earth?
Look in whole industry, although P2P has the 3 gale a place difficult of access above, but also existing at the same time 3 big advantages.
Actually, be in the product of conduct financial transactions on Chinese market is at present medium, p2P remains sexual price to compare high firm to accept kind of product.
Advantage one: Accrual side is opposite taller
Newest 2018 bank interest rate 3 months are 1.1% , it is 3 years 2.75% , monetary fund is to be in 4% the left and right sides, and it is nonexistent that this number shifts an industry in the net, saying even is not looked to go up, lowest also has 6% , and year turning profit is to be between 8-12% , get online in accrual so borrowing is be far ahead.
Besides bank conduct financial transactions, fund of collect of again transverse and comparative illicit and fiducial product, the accrual of P2P still is belonged to banner.
Advantage 2: Investment time is flexible
Bank 3 years is put surely, although monetary fund does not have time time, can accomplish along with put along with take, but the time choice of P2P is more comfortable, a month differs to have to 24 months, if encounter sudden circumstance to need to use fund, still can undertake debt turns, get online in flexibility so borrowing also is to add cent many.
Advantage 3: At dot of historical lowest risk
Although the net borrows those who be inferior to fund of bank, money to exceed low risk, but the risk that the net shifts can accuse, investor can see platform information, can see borrower is specific information, because this chooses good platform, high grade loan product, also can fall the risk lowest.
Can drop the it is very main to still have point of P2P at present: Although still exist negative, but it is close really at present come 10 years the net borrows the times with industry relatively inferior risk.
4, what 10 years with financial storm a metempsychosis differs is, p2P industry is resembled by chaos fascicular to gradually maturity, the process is here medium, the risk also is being reduced slowly.
Early days develops in P2P, can saying is cruel grew, no matter be dog of A cat A,also share one base, want to share a cup of a thick soup, mix present area piece catenary is same, everybody is talking about area piece catenary, everybody said to had mastered this skill, but, what can smile finally? Return be the tide that needs time to erode, final ability tells us what the answer is.
The person that does not know previously also does P2P, make whole P2P trade foul atomsphere, and risk also with respect to unknown, the person that platform holds water does not know wind to accuse, how can you be in charge of for platform investor? Because the net of this paragraph of time is borrowed, platform bilk, run hair waiting for frequency, investment risk is very high.
Shift the development of the industry as the net, and of superintendency level intervene, the bank puts canal, tripartite to assure, put on record rectify and reform etc, the risk that lets P2P is being reduced ceaselessly.
So, end of asset of setting actual strength, platform, wind makes an on-the-spot investigation to control the integrated element such as ability when choosing platform, the selection gives relatively safe platform, cooperate dispersive investment again, the risk remains what can accuse.
Accordingly the article won't throw a verdict directly, hope however a risk that invests P2P and opportunity, it is clear to be listed to everybody, the specification is white.
Nevertheless everybody knows, 100 people have 100 Hamlet, investment is more such. Everybody has his risk preference, some people you recommend monetary fund to him, he feels insecure, so we must respect the opinion of everybody.
