Catch money net dispatch: "The friend that works in fund company says to me P2P is cheater, still be inferior to buying their product. Still be inferior to buying their product..
"What my bank client director says P2P carries on is rubbish debt more, promise of 6% above accrual is cheater. Promise of 6% above accrual is cheater..
"My friend works in P2P platform, he says oneself company is in charge of high is cheater. He says oneself company is in charge of high is cheater..
Listen much similar expression of one's political views, even if is senior P2P investor unavoidable also suspicion, p2P is cheater after all.
1, is the net is borrowed cheater?
Fund company has mice storehouse, the bank has turnip order, which industry has cheater, p2P is not exceptional also.
Close from Qian Yue, temptation is greater. Because the industry is superintended,break, the renown head of P2P of many cheater make use of, draw public deposit illegally. So that remove Jing thunder everywhere, everybody talks P2P color to change, think great scourges.
Actually, p2P is done not have so terrible, be not is cheater completely. Many platform use respective digital technology dominant position, solve the crowd that orgnaization of partial convention finance cannot serve. These platform served hypostatic economy cogently, offerred convenience product for investor, created post of many obtain employment.
2, is the net is borrowed rubbish debt?
Capital is lacked at the beginning of SOHO, small small company founds, prospective uncertainty is bigger. Bank to reduce bad Zhang risk, the actual loan amount that gives small small company is limited. Are these small small companies rubbish completely? Is their debt rubbish debt completely?
Personnel of credit examine and verify resides the setting that does not fall high in banking fraction defective, naturally is overcautious, aux would rather loan gives have long-term cooperation relation, hnow through and through look forward to of state-owend enterprise, center. These companies are gold certainly, be AAA debt certainly?
May not is such.
The net is borrowed those who carry on is the group that traditional banking orgnaization fails to enclothe, the debt of this part group is not rubbish debt completely. This part group has financing demand, environment of suffer from credit is poorer, unavailable capital. The net borrows platform to be able to use respective data, technology, channel, serve the high grade multitude that was not covered by traditional banking orgnaization. Let everybody enjoy finance to serve, this is not the tenet of general benefit finance?
3, is investment net borrowed return safety?
ST is immortal be compelled to retreat city, do not send a stock?
Meet a person not kind and gentle, by broken bits male deceit, lifelong not marriage?
Roadside restaurant is exposed to the sun not wholesome, had a meal with respect to no less than eating house?
A the share that still has had.
There is no lack of in the male with the good man with single-minded affection.
Want to have a meal to also have healthful cafeteria clean
The net is borrowed also have high grade, safe platform.
4, the platform that how chooses safety?
Safety first, choose head platform.
Investor is OK and many more integrated the platform of before grade a list of names posted up is odd 20, the choice has the platform of be mixed
Head platform carries depth of field on the back mostly faithfulness of strong, investor spends ability of maturity of mode of thick, business, gain taller. Setting is deep it is cushion of ground floor safety, correlation just cherishs feather, or the possibility that has disclose the whole inside story. Capability of business mode maturity, gain is strong it is the 2nd safe mat, inside course of study seasoned, rock-bottom asset is relatively high grade, even if is clear dish also have assure. Investor faithfulness is spent is cushion of three-layer safety, capital is poured out of completely unapt too exaggerative.
Of course, the author needs to state a bit, sheet of grade a list of names posted up is not sheet of safe a list of names posted up.
5, is grade useful still?
Sheet of a list of names posted up is formed by two respects, it is data, 2 it is index.
Data can judge platform actor of low quality, judge platform to control moral venture of the person hard however. Platform provides the data source of grade, existence cheat is likely. Grade orgnaization can use network reptile to collect the data on the line, platform of test and verify offers the true bogus of data.
If on-line data is false, how should be grade orgnaization examined again?
Opposite at investor, the message of grade orgnaization is more overall, can faster make response, adjust sheet of a list of names posted up then.
Current, the model hits cent to cannot replace expert opinion completely. Because the industry is being changed all the time, the quota system of grade is met the change as industry environment is constant iteration. The person has certain lag sex to adjust, cannot dog in real time platform.
If the money of Alexandrine city firm signs up for, sheet of grade a list of names posted up is OK card bogus, cannot confirm however. Once platform appears the rank drops substantially, investor is about to take a heart.
6, step on Lei Houru He Weiquan?
Download contract, take good testimony, report a case to the security authorities.
Besides, what can we still do?
Collective thought fors the time being, ask for capital to platform? If can reveal all the details, platform why Bao Lei.
The force by oneself, is a thousand li chased after fierce? The victim does not have sufficient natural resources, can place a hope only at police.
Fu Feiwei counterpoises, does choose delegate beg capital? Uniform do not believe, prevent 2 times to be decieved.
Dimension right person is very helpless, can look forward to to recover fund as soon as possible about the branch only.
We can do exclusively, take care of the body namely.
7, the manner that superintendency layer borrows to the net how?
The system capacity of P2P industry is lesser, unapt the systematization risk that causes financial system.
But P2P investment experience is numerous very wide, countless families because P2P Bao Lei is disastrous.
Control the venture of P2P, be in namely the happiness of hold together innumberable families is perfect. The target of the target of superintendency layer and investor is same, the member that let bilk person spits capital, let Laolai return money quickly.
P2P Lei Chao has caused superintendency layer height to take seriously, the near future published blow to escape in succession the policy of useless debt reachs 10 big move to answer a net to shift a risk, highlighted superintend what shift an industry to the net to caress with the meaning with certain dimension.
8, the tomorrow that the net shifts how?
This is selection of subject of an open sex.
Firm add thinking is confirmed, short-term inside the firm that investor accepts broken firm add very hard accepts a product. Prospective net is borrowed introduce a third-party insurance entirely, safeguard the principal and interest of investor. Current, many platform be out of pocket earn cry out, business of lose money in business cannot long. Introduce insurance to also want to spend money, interest rate drops is big probability incident.
To the crisis of industry instantly, investor must understand, the punish direction of P2P is the trend closes compasses, is not one club beat dead. Look from the logic of the intent of policy and market, p2P bore the weight of the policy of general benefit finance flows greatly. In the meantime, no matter be the invests demand and borrower financing of lender,demand won't disappear, the policy that the net shifts an industry and market soil are remained firm, also of withstand time examine.
