Dispatch of northward net finance and economics: Recently, come from the message of open media, since P2P net borrowed the line on platform 2011, in the company of conduct financial transactions of many 3000 P2P that already established, domestic company closes down or already 1302 run road, especially this year second half of the year, run only the company measure of the road exceeds 2014 the company number of annual, to home broad investor caused huge capital loss. (The following data originates the home that the net borrows)
A lot of people bought P2P product to just value the characteristic with its doorsill small high profit, however what is may not understands P2P product truly after all, what is distinguished with product of bank conduct financial transactions.
What is P2P finance?
P2P calls P2P credit again, one kind be Internet finance. Among them, p2P is the logogram of Person-to-person, its Chinese means: The individual is right individual. P2P finance points to individual and individual namely between small and leasehold trade, platform of network of major of general need have the aid of helps leasehold and bilateral establish leasehold relation is finished relevant trade. This kind leasehold trade to originate at first the United States, but passed a few years to develop only swift and violent, year trade the quantity counts ten million dollar more than.
Come for years, of our country in because small small company is long-term cannot obtain from the channel such as the bank on financing problem contented, this offerred chance for the development of domestic P2P platform. A few years short inside, the P2P finance of our country from do not have have, develop many 3000 platform from a few platform, show gave powerful development momentum.
Where is the distinction of product of P2P conduct financial transactions and product of bank conduct financial transactions?
What differ with place of product of bank conduct financial transactions is, the place with P2P the most absorbing conduct financial transactions not only the doorsill that is it is low, and accrual is inviting. Be in to starting at the doorsill of bank conduct financial transactions 50 thousand yuan of above, the getaway of P2P conduct financial transactions is controlled basically in 100 yuan, some still is 1 yuan starts 10 yuan even, it is small the ideal of investor invests a domain. And to yield, yield of product of most bank conduct financial transactions is insufficient 5% , and of the yield lowest of P2P conduct financial transactions also be in 7% above, this have tremendous appeal for bank conduct financial transactions relatively. The most important is, p2P conduct financial transactions is short-term conduct financial transactions commonly, product liquidity is very high, the product of a lot of companies can be one-time repay captital with interest, a variety of forms such as the Fu Ben after prepaid breath, payment of interest that press a month, this increased the choice margin of investor greatly, more one-time than the bank the onefold form that repay captital with interest wants agile a lot of.
Why does P2P company walk is road message ceaseless?
Because financing demand of home demands exceeds supply all the time, huge financing " cake " the person that also lets a few have ulterior motives is jealous, they establish P2P company in succession, look for a person to design platform, beautiful heavy gold advertises dozen famous go into business begins after spending " scoop up gold " , however the characteristic that a lot of people do not understand P2P product however, what know to utility of whereaboutldirection of product of this kind of conduct financial transactions especially is very little. On one hand the risk control that P2P place joins a project is the biggest hidden trouble, another serious hidden danger is some people make a profit in troubled situation, the original intention that establishs P2P company is to cheat the money of common people. Public information shows, be in these closing down to run in the company of the road, the shortest company held water 1 day to run only road, make common people is killed by its.
Someone says P2P net borrows platform " the half is blaze, the half is seawater " . It is the innovation sex of the product and profitability on one hand, it is the unpredictable sex of its risk on the other hand. To the capital of the project of investment and financing client, which to lack to develop continuously hard on one hand go down, and the malign competition to product yield, the profit of small company in also compressing greatly. Once capital catenary ruptures, the company will face the risk that close down. A word, if the company does not have abundant capital actual strength and extensive financing resource, it is very difficult live in this industry go down.
A lot of run the company of the road, its controller is not financial industry one's previous experience mostly, below the premise that still knows P2P platform risk without development, enter blindly row. The product that its design controls a problem without the wind that considers a product mostly, this brought about its net to borrow platform to exist when original design directly risk, more later the company goes broke close down bury played the root of the trouble.
Investment P2P conduct financial transactions wants discretion
Be in development of finance of our country Internet is at present immature still, the superintendency of P2P platform returns not perfect setting to fall, we invest P2P conduct financial transactions must careful. Above all, invest P2P conduct financial transactions, safety first, the inviting ad that we cannot see they make high profit only invests blindly, after all, the premise of high income must be to make sure capital is safe first. The 2nd, add the knowledge that knows Internet finance more, to wanting the platform of investment, want to understand the setting of its platform deep, avoid to fall into the decoy of cheater. The 3rd, carry to platform essence fine anthology, choose safe, accrual as far as possible the good, P2P platform that has safeguard, dispersive oneself investment fund, in order to reduce the happening of the risk. The 4th, the P2P with exorbitant yield wants vigilance, should choose platform credit to spend expensive product. Finally, invest P2P conduct financial transactions, investment fund should take the fraction of domestic property as far as possible, appear in order to prevent the problem is short-term cannot take now.
Although income of product of P2P conduct financial transactions is high, but not be all products suit investor, "The market has a risk, investment wants discretion " this word must be written down sincerely.
Original title: 1Company of many 300 P2P drops below " altar " the fact that helps you know P2P company
