An enterprise makes a mistake the most easily below two kinds of circumstances, the first be when having too much money, the 2nd it is to face too much chance. Business development sees should not have an opportunity only merely, should see disaster more, strangle disaster in the cradle. And how had crossed risk, bramble, go plucking the most melting profit gains, need to participate in each square common wisdom.
Civil | Zhuo Yu
Editor | Liu Yu
There is a macula on a piece of white paper, are you to see white paper still sees macula first first?
Must approbatory fact is, in Internet banking industry, people often sees macula first, magnify macula ceaselessly, and the large area that leave leaves Bai Zerong easy by oversight.
Close paragraph of time, a round flat piece of jade with a hole in its center of Tang Xiaoseng, couplet a clap of thunder that returns platform high, let this this unusually sensitive industry stand to the where the wind and the waves are highest of public opinion again. The face does not have the situation that return to fund of several one billion four hundred and ten million and sixty-five thousand four hundred and eight investor or the principal that be faced with,
All it is inevitable accidentally, all inevitable in also having accidental concern.
Industry of each other gold is in weak point in development of a few years, all the time with subsequently and the doubt photograph companion that come is unripe, it is to result from the industry is too new, abide of random Fan Ke; Result from second a variety of random elephants that derive under abide of random Fan Ke.
But at the same time we also ought to regain consciousness realise, be mingled with is in in contingency incident, it is the certain level that place of every burgeoning industry is faced with. And accompanying superintend enter, the industry progresses, this kind of phenomenon is in gradually by the standard. In focusing industry cruel thunder a certain " macula " while, we are same ought not to oversight drops pieces of that is whole white paper that remain.
01 | Wind rises suddenly, blow knit one Chichun water
Tree desire is static and wind is more than.
Industry of each other gold does not spend half an year in calm later, lift billows once more, also caused public opinion pay close attention to extensively again.
Companion returns finance of a round flat piece of jade with a hole in its center of benefit platform couplet to be exploded to go out as last high specified number, because be suspected of collecting money illegally to be investigated by police put on record, folk 4 return platform high greatly -- finance of finance of Qian Bao net, elegant hall, wall of Tang Xiaoseng, couplet proclaims so far explode entirely thunder, be completely annihilated.
The author acts as innocently belated action or advice, but the wall of canvass Tang Xiaoseng, couplet ins and outs that returns platform high discovers not hard, these platform oneself this with respect to the problem heavily, look in the personage inside many course of study, these platform explode thunder is " sooner or later thing " .
It is with finance of couplet a round flat piece of jade with a hole in its center exemple, although finance of couplet a round flat piece of jade with a hole in its center is so-called platform of Internet conduct financial transactions, but its itself does not have aptitude of financial business operation, also do not have the information of aptitude of any operation of concerned banking business to announce on government-owned net. And Tang Xiaoseng is in of its pattern sale luxuriant pack under, existing setting makes a holiday, be suspected of putting a canal to be deficient in from financing of be in harmony, bank wait for a lot of problem. And these flaw, should enter government-owned net only actually but be clear at a glance, knowledge is thorough.
The Yu Baicheng of domestic academy dean that the net borrows points out, the regular meeting of classics of a few platform such as Tang Xiaoseng is discussed by trade public figure, because advertisement is much,be, return high all the year round, business mode is additional kind, can be oppugned by media from time to time.
" relatively the P2P at convention (individual dot is leasehold to the dot) mode, the P2F of small monk of such as the Tang Dynasty (the individual is right the financing of normal finance orgnaization) mode, look from commonsensible angle, the rationality of these platform business mode understands hard, last for a long time hard. Last in Internet finance special punish, below the setting that blow strength increases, vivosphere of this kind of platform is narrower and narrower, as a result of the part ' famous ' of platform explode thunder, make the investor that returns high is withdrawing ceaselessly, caused chain reaction thereby. Caused chain reaction thereby..
Contrast discovers not hard, although so-called folk 4 return platform high greatly, but the business pattern of the platform such as a round flat piece of jade with a hole in its center of Tang Xiaoseng, couplet is endless and same, appear all the time in platform of gold of one numerous each other some " additional kind " . And penetrable in its " additional kind " business mode packs the essence below and kernel, its germ depends on those who add up to compasses sex be short of just about break.
02 | 1000 sail live side of sunken boat side
The thing between this world, the truth and idea always have very big distinction. Only one fraction person can see essence through the phenomenon, great majority person still stays on idea. If your face shows ferocious, although the hand holds the truth,also meet be in a devil of hole.
Trade of each other gold is very much the place absolutely of moment. We often say excrement of a mice became bad one boiler soup, but the occurrence of excrement of too much mice, destroying the credit of whole industry undoubtedly, and for this steady to those progress, platform that combines compasses operation, this is inequitable apparently.
People of worth show their morality during hardships, adversity gives a hero. We need to realize soberly, from 2016 in year since the to Internet finance superintendency of open and punish instantly still are undertaking in the center, and will undertake going down continuously. That is to say, in future less than of very long period of time, industry of each other gold and company of each other gold, will go before the free and easy in disturbance.
This is the process of discard of bad of a superior, survival of the fittest, not unqualified, outstanding platform is sure to be sifted to single out bureau, the ending of the platform such as a round flat piece of jade with a hole in its center of Tang Xiaoseng, couplet all is such. And those are high grade, stand fast close compasses management platform will welcome greater development opportunity.
In fact, since P2P net borrows platform to hold water oneself, although 6000 poured 4000, but a survey that the home that borrows according to the net has made shows, the investor that steps on thunder actually is less than 5% . As a result of,this is, on one hand, p2P major fund is centered advanced 100 platform, close down for the most part, run the road is very small civilian battalion platform. On the other hand, as capital intervene ceaselessly, many high grade and lofty on platform appears, also ceaselessly the risk of attenuant industry.
An accepted fact is, internet finance is to having the financial big cake that transcends -727379968 markets together, although development of like a swarm of bees caused industry early days to destroy certainly, but without can deny this market as before foreground is infinite.
On one hand, adding up to rule superintendency requirement, ceaseless ego promotes in the ablution that more platform are superintending and all previous practice, more color of the state one's views that show delicacy. A bit finance and economics discovers, love Qian Jin, everybody to borrow, the platform of old brand P2P such as building blocks box, hold to small and dispersive principle all the time not only, reduce the risk of investor and platform; At the same time according to add up to rule superintendency requirement, in fulfil bank financing to put a valve, hold to information to announce the vitrification operation very bright key point that closes compasses process respect to do.
In fact, of these platform the one part epitome that combining compasses course is an industry, also be sure to drive whole industry to be advanced forth.
On the other hand, the tycoon with more capital, abundant technology also begins to reduce the market, cent eats cake. A bit finance and economics understands, accompanying financial business to return to a bank to hold a card stage by stage is, it is important that Internet finance makes each tycoon circuit the dot that send force. Came to did not arrive 2018 inside lustrum 2014, tycoon of Home BAJ3 Internet already all announced financial business board piece break away from group canal to accuse, begin to turn operation independently. Pair of millet finance also made clear further in the book of raise capital by floating shares that millet group released recently come off plan, the plan realizes the independent operation of millet finance inside 5 years.
Although 2018 " strong superintend " market environment lasts, but develop financial board piece the strategic centre of gravity that still is company of a lot of Internet and hypostatic enterprise. The extensity of the rationality that this just showed to Internet finance exists and prospective market.
Before because storm was encountered in maritime voyage process,cannot stopping, we go, because be in the process that involves mountain-climbing peak,also cannot encounter difficulty to stop ascend, do as good as so at give up eating for fear of choking-refrain from doing sth necessary for fear of a slight risk, paunch hides bead.
03 | The road is boundless its are long
Patristic Liu Chuanzhi says Chinese industrialist, to seeing the way that does not understand, foregone two paces, walk bore fruit, run again next, look round look, was no problem, scatter crural bifurcation to run again. Took two steps, discovery is incorrect, at once retrace comes, the point was touched on the foot turbid, it doesn't matter is marvelous, change double shoe to search new way to go forth again.
Do not suffer 100 temper with fire, become steel hard. The industry is among the process that advance, encounter storm and setback unavoidable. But if where,a such queasy phases straighten development, avoid risk, need each joint efforts of square participator.
We need to realise, superintendency essence is not to explode thunder, check the progress with better with coming true risk for the platoon however. Accordingly, to the superintendency of industry of each other gold, all platform ought to hold a hug in the arms to add up to the true attitude of compasses, slam the door gains the quick buck, crooked idea that takes shortcut, sureness has been done close compasses put on record, the risk that repair refine is prevented control capacity, walk strictly below superintendency sunshine.
And as superintendency branch, face brand-new developing industry, need to promote ceaselessly superintendency strength and superintendency skill and method, for broad investor removal of mines, build a more healthy and orderly each other golden hair to exhibit an environment.
And should realize more to investor, on this world, cheater exists forever, how to prevent to be cheated, superintend besides support beyond, investor oneself also ought to raise level of his money business knowledge, platform to discriminate ability zephyr danger to identify ability ceaselessly. Between the course that chooses platform, should polish double eye, prop up from setting actual strength, credence, add up to the respect such as security of exposure of compasses process, information, product to undertake thinking integratedly to platform, and rather than sees the idea such as accrual and conduct propaganda only merely.
Worth while and gratified is, we see closing compasses superintend under, have more platform, place of gold of Qian Jin of such as love, land, everybody is borrowed, building blocks box, also develop an environment in better to build industry and make indefatigable effort.
It is in order to love Qian Jin exemple, between past half an year, love Qian Jin to teach caricature through engineering money business independently " small into say money " , from go up at all promotion user fortune manages consciousness, hand substantial investment knowledge to the user on one hand, raise fortune accomplishment; The caricature content that understands easily with humour on the other hand undertakes investor is taught, strengthen the education of investor risk consciousness. In the meantime, additionally finance and economics takes off buccal show " Fantalk " , " weekly of finance and economics " etc multivariate money business teachs a column, use heat of the investment knowledge with a can relaxed substantial derive and near future finance, arm with investment knowledge continuously oneself.
Land gold place rolls out investor risk grade to evaluate, bear investor risk ability by low it is to high component conservative model, dovish model, balance, grow model with enterprising model 5 in type, help investor with this clear risk preference, safeguard investor can buy right product.
And everybody is borrowed, accumulate wooden box to waited to also roll out institute of such as everybody education of online classroom, lender board piece, help investor is better solution industry and platform, consciousness of aggrandizement venture capital investment.
Meanwhile, include to love place of gold of Qian Jin, land, everybody to borrow wait for platform of numerous a gleam of, active hug adds up to Yizheng compasses, comply with the requirement that the country superintends, advance platform to combine compasses course ceaselessly, those who enhance platform add up to compasses sex, offer for investor more safe the investment product that relies on chart.
Buffett says, the risk comes from what to do at knowing he is in. This is the true portraiture of investor of gold of a lot of each other actually. And in the investment market in risk be overflowing with, want to avoid to step on thunder, investor must constantly vigilant, strengthen the study of money business knowledge, raise platform to discriminate ability and risk defense ability.
04 | Epilogue
An enterprise makes a mistake the most easily below two kinds of circumstances, the first be when having too much money, the 2nd it is to face too much chance. Business development sees should not have an opportunity only merely, should see disaster more, strangle disaster in the cradle.
Although the opportunity is infinite, but the risk still is put, how had crossed the bramble of the risk, go plucking the most melting profit gains, need each common wisdom of square participator.
Although Internet finance develops to already evened more 10 years, but this remains a very new industry, how standard, guide it to develop toward better, more healthy direction, need our everybody's joint effort - person of P2P platform, superintendency layer, investor, financing and even treat a customer.
