80 hind pained and middleaged crisis, 90 hind already full year after year, this amount was close to the group of 400 million to become backbone force of the society, in work hard increase income, conduct financial transactions became inevitable topic.
If everybody still is being held in the arms " the youth does not love conduct financial transactions " bias look upon 8090 hind, that but off base, can say, they are a batch of people that yearn for appropriate conduct financial transactions most socially, exceed 5 to become 8090 hind economy total amount was in 2018 100 thousand yuan of above, because yield changes,can manage money product among them small the demand with financial more pressing conduct financial transactions. . .
80 hind " bear " on " open " below, alleviate through conduct financial transactions life heavy burden
"There is next old having on small " make one part gradually the 80 domestic position after. According to investigation, to elder, of 33.1% 80 hind every months " go up tribute " , occupy it is than highest amount 1000 reach 3000 yuan; To the child, of 43.3% 80 hind parents is in the child 3 when coming 5 years old, begin to reach the respect investment such as choose school in study, specialty, recreation. This double pressure, let them plan to fortune can more expenses of wisely balance fund. According to statistic, in this part crowd, the person of 94.9% has conduct financial transactions to be used to; The person of 90.7% supports justifiable money attitude, try to seek profit the biggest change.
Work of 90 have a youthful look and dreamy neither by accident, conduct financial transactions is for more comfortable life
90 hind emphasize particularly on the style agrees and tide is caught, and fortune state is one of influencing factor that individual happiness feels important. The fortune of this one group rises economy of main have the aid of, well-advised investment method is helpful for achieving fund stable rise in value, enhance fortune security feeling, alleviate life angst, the use of sound program capital realizes character life in be accumulated ceaselessly.
Over- half 8090 hind economy total amount exceeds 100 thousand yuan
Investment gain rate is first consideration element
Alleged " why to dismiss concern, only one night is cruel rich " , upstart to failing 8090 say later, the person meets much to make the deposit such as firewood fulfil, extra gains good economy program, and in the process that conduct financial transactions plans, more those who take a fancy to is yield of conduct financial transactions. Change often product of conduct financial transactions is not scarce, do not have a thing to open a mobile phone to brush brush arrive now Zhang was to become inertial action more.
China 8090 hind economy total amount (2018)
Product of Internet conduct financial transactions is simple, convenient, suffer fully 8090 hind favour
8090 hind in user of conduct financial transactions, the user of 64.6% invests product of Internet conduct financial transactions, the person investment amount of 39.0% is highest at the same time also is Internet conduct financial transactions, of range and deepness two-way the first explained Internet conduct financial transactions gets the favour of user of 8090 conduct financial transactions.
Internet conduct financial transactions accepts favour fully, because his yield is opposite,basically be prep above is other economy kind, implemented sound financial program on one hand, the rise in value keeping a cost of asset realized on certain level on the other hand, gifted 8090 hind more choices.
In fact, financial big range is borrowed to explode in the net before Lei Zhi, p2P is the first selection that many youths invest conduct financial transactions really, job of every sky class is busy, it is not easy to go to a bank doing economy business, besides still has more very much case drop amount restriction; The limitation of knowledge of conduct financial transactions of individual of be confined to, stock fund everybody dare be touched more.
Since large-scale thunder tide already passed, we also no longer before appraise of go to live in the household of one's in-laws on getting married because of, but might as well see future, after all can be P2P still cast?
1, can be P2P still cast? What can you cast?
The net after passing catharsis borrows an industry to be in progressively from cruel grow recursive reason develops. Come round to look with respect to eye, the main feature that can cast platform includes: Abundant, business runs platform oneself actual strength standard, good professional work develops prospect. Choose to go up in platform, cannot seek high income blindly, want to consider the each respect actual strength of platform integratedly however.
A few days ago, association of gold of much ground each other informs, p2P net borrows platform to must not be offerred to investor " conduct financial transactions plans " kind violate plan product, ask to leave a disagreement plan product. Current, already partial platform is opposite to answer liquidity risk, hold investor formerly products of some fixed conduct financial transactions to turn to come loose for much pen directly mark project.
As to medicinal powder mark can be cast, remember a word: Platform stand or fall although cannot one character with without exception, borrower information exposure is inadequate nevertheless, it is bad platform certainly.
2, once encounter platform to explode thunder, investor should how does thought for the time being?
If oneself were encountered unfortunately really,explode thunder, investor should coordinate work of public security office actively above all, in the national office such as public security mechanism certain level ensures the foundation that investor know the inside story counterpoises to go up, respect its to handle the means method on in the case; Next reductive fact, do not want incorrectly relay an erroneous information, transmission of for no reason and make a few disloyal newses; Finally, hope investor can rational thought fors the time being, seek professional legal support actively, safeguard oneself rights and interests with legal measure.
Additional, explode to a few platform after thunder, it is qualitative and illegal after all absorb the public to deposit money or collect money illegally bilk, many investor have this doubt:
If want platform boss qualitative to collect money crime of fraud, must prove its have the objective of detinue investor money, and must use the method of bilk. In solid Wu, need finds out behavior person to be opposite mainly collect money illegally the management of capital, use, ability of pay compensation for what one has unlawfully taken and collect money participate in ginseng to increase the origin that collect money, means, amount, redound, respect such as the loss. Collect money in swindler blame, still should find out behavior person further fictional, exaggerated management outstanding achievement, road of dummy collect available, redound of false promises high specified number, hide the relevant evidence of nitty-gritty.
If P2P platform is active refund, investor can recover the word that invests money for the most part, think platform does not have detinue objective on OK and certain level, management P2P platform is not for diddle investor money. Such may by qualitative admit public deposit guilt illegally gentlier for penalty, and unapt the fund raising that is maintained to be highest term of imprisonment to be able to amount to life imprisonment crime of fraud.
3, does the grade that orgnaization of tripartite grade borrows platform to the net have how old referenced sex after all?
Money teacher thinks, we answer rational look upon the grade result of orgnaization of tripartite grade.
Current, the industry rank with listed orgnaization of grade of on the market tripartite is very much, but each orgnaizations choose a level differ. Some clinchs a deal according to the history quantity, wind accuses to ensure grading, some is based on future platform of a few months fights risk ability integratedly to undertake analytic judging, the rank that reachs according to different judge standard also each are not identical.
The strong point of traditional grade orgnaization depends on the judgement of possibility of orgnaization debt break a contact, do not involve what borrow platform to the net to combine compasses sex and business durative, their grade (although have) whether can the profitability that just also makes the same score body of a playscript with stage directions pay principal and interest, the platform that says normally with us " dependability " different.
For the investor to will investing P2P namely, the grade of tripartite orgnaization is worth reference admittedly, but divide this beyond, still answer more develops the history from tall canal setting, platform, most the most important is product itself, whether does borrower have clear specification or pawn, this ability is the investment that can allow his to set one's mind at truly!
4, once P2P platform announces benign exit, what do this mean?
Because fluidity is critical, partial platform puts forward " debt turns " benign quit plan. Since be benign,exit so run with respect to peaceful stage the way is different, no matter investor ran directly,latter is, and benign exiting is to want when the ability after investor principal cash is over suspends operation. Accordingly, want certain P2P platform to allege only oneself are benign exit, so come up from theory it is OK to say investor is of recapture capital.
Spread for risk of keep within limits, much ground superintendency branch is exited at releasing platform in July how-to. It is with Beijing area exemple, platform of requirement of association of Beijing Internet banking is exited must undertake by 6 measure. It is to hold water exit a working group; 2 it is to clear worth of the business that put an amount, client, company, weave respectively balance sheet and detailed account of the business that put an amount, lender detailed list, belongings detailed list; 3 it is to weave business pay off is mixed quit plan; 4 be channel of etc of orgnaization official net, association official net is borrowed to release business in the net pay off and exit announcement; 5 it is pay off of constituent executive business is mixed quit plan, fulfil lender capital pay off and Qing Dynasty to retreat, appropriate handles the project that put an amount, according to quit plan reliable push advance and retreat to go to work; 6 it is to end clear to quit the job, terminative net shifts business.
5, is reasonable product earnings interval what kind of?
Last year in December, cash borrows be born of punish requirement boots. Of all kinds orgnaization is opposite with all sorts of charge forms with interest rate the integrated capital cost of borrower collection should accord with top people court the regulation about civilian leasehold interest rate, prohibit extending or match the loan that lawbreaking concerned interest rate provides. Namely integrated interest rate under 36% can do, prep above 36% cannot do, high risk enclothes the mode of high income to exist no longer.
Guo Shuqing of chairman of the silver-colored conference that keep watch ever expressed, collect money illegally in blow in the process, want hard to let people realise high income means high risk through a variety of means, yield exceeds 6% to be about to make question mark, it is very dangerous to exceed 8% , 10% above are about to prepare a loss total capital. Once discover product of conduct financial transactions of affirmatory tall redound is about to remind each other, inform against actively, fraud of family name letting Pang nowhere escape form.
At present general platform differs according to product deadline, it is commonly before 6%-10% , investor wants rapid move only 6, 8, 3 10 numbers, can be far from a risk, be in an unfavorable situation no longer!
THE END
To much 8090 say later, the negative news that although P2P goes,course of study experienced big round one, but after harships passes, always cannot defend the bank current interest rate that still has not fought inflation to get along, and this lesson, no matter you walk medium thunder, it is one makes a person more careful, more vigilant bank, go by, the society puts bright eye after, invest well, the life or need a bit of energy!
