The P2P that appears suddenly at the beginning of this year June oneself centers Bao Lei, up to now close already 2 months, already appeared problem platform 200 many, large quantities of investor are disastrous, the personage inside course of study calls this paragraph of period to fasten P2P to dark hour. Current, thunder is gradually abate already, but this Bao Lei left deep lesson to us, take the advantage of this opportunity, the industry should intensify normative self-discipline just is kingcraft.
"The net borrows platform to close down considerably run road, investor principal is not had return! Investor: Want to jump building! " , " E Zhou Hanglei, xie Cheng comes out cash plan is similar run road, investor wants to commit suicide! " the near future, similar news brushs screen again and again, and these are the net borrows platform again and again the tragedy that Bao Lei causes.
Arrive at the beginning of June oneself by July, according to not complete count, share cruel thunder of 205 P2P platform, be equivalent to everyday Bao Lei is close 4, number of odd-numbered days cruel thunder is highest from time to tome 15, the in a state of anxiety of market will of people that do, a lot of investor hearts lay dread idea. Platform cruel thunder, germ depends on problem of platform itself existence. According to some authority website, end in June 2018 portion, platform counted accumulative total to achieve 6183, amount of problem platform accumulative total also is climbed ceaselessly litre, end by June, achieved 2121, the centralized cruel thunder July, make problem platform increased many 100 again, the platform that normal battalion carries ends by June 1836, at present estimation already was not worth 1800. That is to say every 3 platform have platform of a problem. This still does not include what had not reflected to have a problem.
Platform has a problem, bao Lei is sooner or later thing, can affect even the platform that manages normally. Super typhoon, head hair from Shanghai, after dragon boat festival, finance of wall of Tang Xiaoseng, couplet serves as the high specified number of 4 big folk that puts only to return benefit platform member to collapse suddenly in succession, caused the panicky psychology of investor, they are carried centrally in P2P platform now, cause platform capital to be drawn out empty, caused the group sex trample of platform of each other gold finally. At present platform of our country P2P is in Shanghai, Zhejiang, Guangdong, Beijing centrally mostly. End since June 2018 at present, platform of Shanghai occurrence problem (contain carry show difficulty) 51. This typhoon immediately coils Zhejiang, of Zhejiang platform occurrence problem have 55, sweep across Guangdong again, 41 of platform occurrence problem. Of Beijing platform occurrence problem also have 14. In Bao Lei, have civilian battalion department already, also wind department, country invests a department. For instance wind joins a department fertile when borrow, appear on the market the Qian Mancang of the department, the Tang Xiaoseng that national endowment fastens, budding gold is taken, bag of 5 bits money, Xiaojin is waited a moment.
Explode often thunder is very big to investor confidence blow, show shortly to make do not have the platform that have an accident, debt turns of mark amount and annual interest rate are in climb ceaselessly litre, indication investor runs away state of mind is dear. The industry went to to come dark hour, mud and sand are carried along-there is mingling of good and bad.
Effect of overlay of 3 big factors, create platform frequent Bao Lei
Why can you produce platform to center Bao Lei's phenomenon?
Check problem platform, basically be law notting comply depends on compasses platform. As a result of P2P platform these year cruel grow, random elephant is fascicular. A lot of problem platform are existing generally capital pool, match from fault of be in harmony, deadline, false award false contract, usurious, force is urged borrow etc, played hidden trouble to center cruel Lei Mai.
The personage inside course of study thinks, a lot of platform inside the near future center Bao Lei, basically have the reason of tripartite face: Management not to be pooh-poohed of sky of benefit of market frequency hair, platform, put on record delay. But the reason of main reason or platform oneself.
Sky of benefit of market frequency hair, put on record delay is external cause only, had the effect of add fuel to the fire in this Bao Lei probably. The public opinion of the market slants benefit is empty, may have certain oriented effect, create the situation that everybody trusts not quite to platform. Put on record delay, bring about more investor psychology to do not have a bottom, the choice takes out capital, the circulating fund that creates whole market is more in short supply.
These are objective elements, have certain effect really, but last-minute it is problem of platform itself existence.
Itself of accident a few P2P shoulds not compasses, fault of pool of the conduct financial transactions below existence line, capital, deadline matchs, information is opaque, tear open mark to wait for one pile problem from be in harmony even, the money of investor was cast high risk domain, and investor not know the inside story. When the capital of high risk domain cannot repay, capital catenary ruptures, platform explodes thunder. Some platform itself borrows namely borrow the Pang fraud that returns secondhand goods newly, having an accident is sooner or later thing. With be apt to Lin Jinrong is exemple, draw fund now through be being returned high interest, high, but the flow direction of capital becomes suspect, look from current market information, qian Ke can shed the domain such as estate through capital pool. When downstream investment encounters a problem, capital catenary ruptures very easily. Prime cause depended on platform violating the fixed position of oneself, if P2P platform holds to fixed position of part of financial message medium, do not set capital pool, not from be in harmony, do not protect this protecting to cease external, risk nature will be small much.
Say so, the prime cause of platform cruel thunder still depends on platform oneself, did not accomplish depend on lawfully compasses manage.
Cruel Lei Zhu loses decreasingly, platform intensifies normative self-discipline just is kingcraft
Centralized cruel thunder is current already abate, but the platform that the problem that dew of platform cruel thunderstorm comes out comes down to survival offerred experience and lesson, the industry should intensify normative self-discipline.
Although Bao Lei is ceaseless, but the problem that normative P2P can solve civilian finance really, will serve a bank to serve the group that be less than, this also is the actual foundation that P2P platform exists and value place. All previous classics this after second Bao Lei, investor also can get growing from which, risk consciousness increases, sea of classics of platform all previous cleans out sand, superior bad discard, this is P2P platform from cruel grow the trend closes compasses management the only way.
To doing not have Bao Lei, but still be in confused medium net borrows platform, what what need to do is to close compasses manage, make clear the fixed position of oneself, do not have an insatiable desire for big demand perfection, do not get capital pool, put an end to from be in harmony, do not be engaged in usurious, do not do force to urge borrow etc break the law violate the responsibility of compasses, prim manage, to such platform, can live naturally come down, and get development. After been rectify and reform, integral risk is reduced considerably, platform chooses to become simple, the project chooses to become important, control of risk of exceed the time limit becomes the key that invests P2P.
Additional, the personage inside course of study expresses, the hope superintends sectional respect, accelerate clear rectify pace, as soon as possible will eligible, the net that has aptitude borrows platform to give put on record, promote its to be managed normally, bring into superintend limits effectively; Wash out what do not accord with a condition a bureau as soon as possible, let platform can go normally homologize creditor's rights defends the work, eliminate from system level leasehold person ill will escapes the possibility of useless debt.
In the meantime, will clear the leasehold person that after rectifying, the net borrows platform types network of social credit system, build leasehold person to information is released and publish platform, let leasehold person accept whole society to supervise, escape to ill will the behavior of useless debt builds combination to attack mechanism and defense system through the branch such as judicatory, bring into its law course, rise escape debt violates cost.
And superintendency layer also is accelerating the move apparently. On July 9, net of Central Bank official releases a message to say, reoccupy 1 to 2 years time completes Internet banking venture special punish, dissolve the venture that put an amount, eliminate risk hidden danger, at the same time preliminary build the superintendency system system that gets used to Internet finance characteristic.
On July 16, the silver-colored meeting that keep watch organizes personage of each other gold to borrow to sit a meeting of trade current situation in the light of current network. Join meeting personage to say, the net borrows equipment to investigate the evidence of a case receive detailed rules to will be fulfilled as soon as possible. It is reported, net of national penetrable mood borrows superintendency detailed rules " 187 standards " or came on stage August. Basically be the method that uses penetrable type to superintend, do one's best is enclothed completely to the orgnaization, carry out superintend. And the basis checks a result, borrow an orgnaization to execute to the net classification type management, progressively extruding is inferior the vivosphere of the enterprise, guide an orgnaization to realize a risk to go out clear.
Sea cleans out sand, superior bad discard, to dark should be matutinal afterwards.
