"P2P old man people tell me to want dispersive investment at that time, cannot put all eggs in a basket, discretion disperses capital to more than 10 platform like me. Result, my figure can see in all now Wei Quanqun. " the Duan Zi that although this is to speak first,instantly P2P industry invests the current situation, going up somehow clear however the aspirations that mirrorred investor.
In 6, the net July is borrowed queasy in, p2P industry toppled all sorts of platform, appear on the market department, national endowment department, civilian battalion is, small to billions of, come greatly on one billion four hundred and ten million and sixty-five thousand four hundred and eight, lei Chao " eliminate " industry two into platform, affect tens of 10 thousand investor, involve fund nearly one billion two hundred and fifteen million seven hundred and fifty-two thousand one hundred and ninety-two. Although problem platform amount from highest explode one day nearly 30, to now already gradually fall after a rise comes everyday a few, dan Lei current remaining prestige or influence still is in, many investor still are in wait-and-see condition to P2P conduct financial transactions.
Actually, p2P draws civilian disengaged fund, to be badly in need of the flowing water of capital of infuse of small small company of financing, it is the effective complement of pair of traditional banking, after all the bank is not willing to do the work that small small loan takes pain to this kind not to please. Instantly, chinese banking environment is being opened in the trend, interest rate is commercialized also advancing quickly, this let the player besides traditional banking have same opportunity. P2P can rely on platform to attract investor with higher interest rate, do real rock-bottom assets, severe canal wind accuses, perhaps rely on cost of very big dimensions depress bad debt, with low risk small profit, position is held in the market.
Nevertheless, financial innovation is a Shuang Renjian after all. P2P regards new student finance as general affairs, also accompanying particular risk necessarily. Below huge increase, the industry cannot count on support oneself tie, close quickly only compasses, ability gives P2P future. Good news is, group of at present nation moves quickly already, publish all sorts of measure continuously inside a week, guide industry standard to develop.
? The message came out on August 4, superintendency branch is leasehold to the network the risk is special punish deploy 9 jobs arrangement;
? On August 8, next hair files send superintendency department on your industry break one's promise person list, blow ill will escapes useless debt behavior;
? Xinhua net reported on August 12, superintendency group is urgent published decathlon interest good policy, all-around protect dish of P2P.
So, instantly thunder ceases gradually, care to every investor " P2P can be cast " this problem, no matter be from the industry run value of mode, existence and development foreground, the hasten stability that still develops from industry interior, will look to good sex, the personage inside course of study all expresses: Can invest. And accompany house price to upsurge, the masses faces cost of the education of tall look forward to, medical treatment, provide for the aged, it is current that P2P can say can run exclusively pass investment measure of inflation.
Nevertheless gentleman does not stand under danger wall. Division of conduct financial transactions of 3 beneficial treasure reminds everybody to must stare at strict platform, had made various preparation:
Notice reasonable and dispersive investment
Above all, want dispersive investment, do not put life of whole body home in P2P this " basket " in. Investment target of everybody should not have P2P only, still ought to the asset circumstance according to the family, configure the product of conduct financial transactions of other sort appropriately, for instance time deposit, its are most safe and stable, easy also draw money, or gold, its can avoid the wave motion of monetary exchange rate, keep a cost to asset most advantageous. Scientific asset deserves to compare, ability is effective avoid invests a risk.
Not superstitious endorse
Moreover, all sorts of not superstitious endorsing, the as real as platform actual strength concern such as platform of setting, rank, celebrity is not big, only real rock-bottom capital talent makes sure his money is safe.
Notice cash flows
Finally, the cash that notices platform flows. Once platform capital is poured out of in great quantities, increased the strength that send label suddenly at the same time, raise interest rate, estimation platform is about to be run last wrestle. Investment is not a spec, ten million cannot hold authority fluky psychology, must avoid to become drum to pass beautiful last bar stoutly.
The time that each channel capital crosses a place to need 1. Deposit: Now 1 year period time deposit interest rate is 1.5% , capital breaks up time need to use time: 72 ÷ 1.5=48 year. 2. Monetary fund (darling kind) : Press average income 4% computation, capital turns over a need to be with time: 72 ÷ 4=18 year. 3. National debt: Press 3% computation for the moment, capital turns over a need to be with time: 72 ÷ 3=24 year. 4.P2P: Year change yield 10% the left and right sides, capital breaks up time for: 10 ≈ of 72 ÷ 7 years. 5. Stock: The stock market is different from fixed income kind investment, the risk is bigger. Will for a long time look, shareholder 7 compensate 2 make the same score the pattern that 1 earn to won't change forever.
