This is a net go up wide for a Duan Zi that circulate, the P2P that figure ground mirrorred instantly explodes Lei Chao, also let a person read however come clinking feel sad.
Today, cherubic gentleman gathers up this round hole goods that fell a flock of people.
Explode this Lei Chao, the force with which sth breaks out is roaring, billow of thunder of day of it may be said. "8 days explode thunder 42 " , " explode 10 days thunder exceeds 30 " , " 6 days explode nearly 90 times thunder " ...
According to " the home that the net borrows " data, shared 10 problems platform in May, platform of 28 close down. P2P net borrowed an industry to share 63 problems platform in June, platform of transition of 17 close down. And be in what just go in July, close down and problem platform amount rise abruptly 218.
About details data, according to " insurgent news " the report is as follows:
Niu Banjin, involve 820 thousand investor, 39 billion yuan
Finance of high in the clouds, involve 130 thousand person, 4.5 billion yuan
Qi day actor is borrowed, involve 6.8 billion yuan, 150 thousand person
Actor poplar invests, involve 1 million people, 50 billion yuan
Finance of forest of be apt to, involve 60 billion yuan
Tang Xiaoseng, involve ten million user, 75 billion yuan
These messages and data, shocking, look investor people in the heart cool cool.
Some people say, country of if it were not for publishs stringent superintendency policy suddenly, platform also won't run road, I also won't principal is not had return.
N0, the country can not carry this boiler on the back.
The platform that explodes nothing more than these 3 kinds:
It is wicked, it is to want to encircle money to run originally road.
Cite a case, the beginning of the year exploded 2016 of thunder " E hires treasure " , of the mark that releases freeboard earnings will attract investor, advertisement is to blot out the sky and cover up the earth then at that time, but according to " E hires treasure " urge again and again of effective control person is explained, the project of 95 ％ from be a holiday at the beginning, "Our fiction invests a project, turn money to tenant, give tenant advantage cost, turn capital into the related company of our company again, in order to achieve the goal of factual divert. In order to achieve the goal of factual divert..
Say more, this case is in complete already this year in May end a case, all malfeasant got punish. Come out to mix, want to return sooner or later.
2 it is business is violated compasses, itself risk is very big, via living the test of time.
The net borrows platform itself to just provide loan (investor) with debtor (the person that lend money) platform. But a lot of platform set capital pool, borrow oneself from be in harmony, perhaps manage campus to borrow, folk is illegal usurious, itself is the business of disagreement compasses.
Platform should lend ability gain the money of investor, but some platform ran a company from height however, the capital that invests investor platform is used at his enterprise, this kind of fund is main the behavior that utility is for private use is from be in harmony. After the deadline of the mark of investor expires, platform is employed " capital pool " , the money of will new investor repays the principal and interest of old investor, tear open namely east the wall fills on the west wall, say professionally bit, it is Pang fraud. If do not have " receive Pan Xia " will receive dish, platform capital catenary can rupture. Accordingly, silver-colored inspect can be to prohibit financial conduct financial transactions is used " capital pool " .
Ceng Gong pole temporarily P2P platform " the net wins the world " run road, it is typical case. "The net wins the world " by appear on the market definitely company Hua Runtong establishs, after the line on April 2013, rely on redound of accrual of high specified number, attracted countrywide numerous investor quickly, 4 short month, clinch a deal with respect to accumulative total the forehead is as high as 780 million yuan.
However in fact, "The net wins the world " be Hua Runtong company actually from platform of be in harmony, because Huarun connects a company to run be in hot water,be, do not lend a money, just established so platform will undertake financing, of the investment mark that issues above is dummy, the capital of investor is connected by Huarun mostly individual of admire of president bell article was used. And when average investor understanding arrives when these truths, platform has run road.
According to safety of national Internet finance technologist committee releases " P2P development monitored a report first half of the year 2018 " , new first half of the year discovery violates compasses P2P platform nearly 280, be suspected of mark among them violate compasses and from be in harmony have 89.
3 it is platform risk what control does is bad, the fund that lends cannot call in, form bad Zhang.
Somebody can ask the likelihood, the bank also puts loan, why does our money put a bank to compare insurance?
Because the bank takes wind seriously to accuse quite, it puts a batch of loan, it is to should pass strict examination of the program. And common net lends platform influence finite, the capability of repay a debt that evaluates the person that lend money is not quite professional, the ability that chases after debt is limited also, once lend money person do not return money, platform can fetch down the tooth is gone to the pharynx in abdomen, oneself will return the money of investor. From where does this money go then? Return again above tell " tear open east the wall fills on the west wall " , the Qian Xian that uses other investor is returned. When still did not go up one day, "Peng " explode.
Such platform, domestic trouble and foreign invasion, can Yan explode?
Run to encountering platform breaks couplet the netizen of the road, at the moment is the most important is to save evidence, report a case to the security authorities in time!
For the netizen to wanting investment, p2P such, should I abandon means of this kind of investment thoroughly?
That also needless, have one part platform or do quite well, cannot knock sb. down at one stroke of will all platform. So how should investor choose a net to borrow platform?
Want to see setting and aptitude.
See its partner background, and whether does platform have normal industrial and commercial register, degree of major of group of operation of circumstance of charter legal person, platform, it is quite important that the bank puts a valve.
What want to remind everybody here is, do not see platform has security of capital of what individual account insurance of liability of examine and verify of danger, pawn belongings danger, credit, honor the agreement assure to wait to be plunged into directly nearly went in, this is platform only " make up art " .
In fact, "Insurance company accept insurance " , just some product or invest mark partly among them, and be not all products; Or some platform insurance beneficiary beneficiary are not investor itself, however platform or partner, bad Zhang appears below this kind of circumstance, investor is unavailable also compensation. Buying insurance is an element of differentiate platform security, but not be sufficient condition absolutely, have safe not particular also insurance.
2 should see a product, current mark, interest rate surprises the amount of tall, mark wants greatly to raise vigilance.
Many people had been experienced, at the beginning of platform when register investment to attract an user, highest return benefit to achieve 100 yuan to return even show 30 yuan.
For instance money treasure net, explode by last year Lei Qianping all year changed yield to achieve 20%-40% . And contemporaneous, bank reason property tastes average yield to have 4.84% only probably. Apparent, the market of return rate tower above of net of this money treasure is average return rate is too much. This is the key that fraud is able to realize, also be the core that we distinguish standard investment conduct financial transactions and fraud.
Retreat 10 thousand paces to say, for years really redound the investment opportunity of 20% , so the capacity can have upper limit certainly, be about to weigh in the hand in our heart otherwise weighing in the hand is how to return a responsibility.
After all, can the sky drop pasty really?
The personage inside course of study has so a word: "You are staring at the family's accrual, the family can be the capital that staring at you. The family can be the capital that staring at you..
3 should hold attention, raise vigilance to spend.
Some investor, throw money with respect to everything is just fine, the operation circumstance to platform is not to pay close attention to very much, think to want sit back and wait to expire only gathering is good. But actually a lot of platform do not ring with respect to thunder in flat, the investor that often pays close attention to platform to release an information can discover a problem from a few fine point, seasonable get away.
For instance Tang Xiaoseng is in explode Lei Qian has sign. A announcement on APP of Tang Xiaoseng conduct financial transactions say, platform general on June 15 22: 30 to on June 19 14: 00 undertake the system upgrades, operation suspends during the system upgrades.
Upgrade itself does not have what problem, but need ten hours to have a problem, and normal platform upgrades time can choose before dawn, grow when general two to 4 hours, won't affect the use of investor.
To upgrading rarely at ordinary times, should upgrade suddenly also should notice. Do not login suddenly to go up, more dimension authority information appeared on the net, platform operation data has an error, be danger is augural.
Money earned by hard toil is cast, can grow a heart, when playing a mobile phone, did not forget attention pays close attention to the platform that he has cast.
The word says, any investment have a risk, redound and risk also become direct ratio normally, because this must not put complete body home in the net to borrow, sharpen one's eyes, careful choice, do not avaricious, can have defended oneself " money bag " .
Explode thunder is the net borrows the labour pains that wants experience necessarily, this is a sea cleans out sand, go the process that bogus lives essence of life, the affirmation that can stay can get used to market need already, also can develop way on behalf of the industry; Leave us will be more safety and normative net borrow an environment.
Accrual and risk become direct ratio forever, the sky also won't drop pasty absolutely, hold vigilance, sound investment, ability retains for a long time fortune. Pull language minor details to nod an assist, hope everybody won't be deceived forever
