According to at present the form looks, the P2P Lei Chao that begins to erupt thick and fast from June not only did not end, have a kind of tendency that grow in intensity quite instead, the state of mind of P2P investor also becomes more and more panicky.
However mere the action that such terrified uneasiness do not have any materiality, as such as its, be inferior to coming down to analyse the reason of backside calmly, to invest next time decision-making become a basis.
The direct seeding recently and miser group in, laochou is mentioned for many times, he thinks this explodes the platform of thunder basically is in 4 kinds big centrally:
The platform that ① gives priority to from be in harmony
② is put in the platform that many time fault matchs
The platform with ③ asset poorer quality
The platform with ④ itself insufficient actual strength
The 3rd kind mixes the 4th kind to compare good understanding, nevertheless the first kind mixes the 2nd kind to have partial miser is not special understanding, so today, we come to everybody simple popular science.
In superintending 13 red line that stipulate the net borrows platform to cannot be touched absolutely, the first mixes the 6th is from be in harmony and deadline the fault matchs respectively:
① is oneself or covert for oneself financing
⑥ has the time of financing project fractionation
From be in harmony, just as its name implies, it is the method that the capital lender leaves him or correlation just uses.
P2P, it is lender carries a network leasehold platform, give the person that has capital requirement financing loan.
See was distinguished? From the platform of be in harmony, the money that takes investor namely perhaps has the person of strong concern to use with platform to platform, and true P2P, it is lent two hundred and seventy-six million four hundred and forty-seven thousand two hundred and thirty-two small small proprietor of an enterprises and individual money.
Explode easily for what from the platform of be in harmony thunder?
Be dinkum necklace money at the beginning need not say, still have partial platform in addition, the likelihood is wanting to lend stranger money with its at the beginning, still be inferior to lending the downstream enterprise, 7 great aunt on the company the people on one's own side such as 8 mother's eldest sister development property comes well.
The investor that does not have financial common sense more very much looks to also feel reasonable, rely on chart! But it is the one side that saw good one side did not see bad only however, if affiliated enterprise develops really plain sailing with respect to it doesn't matter, but if is economy old is the environment bad? If the business failed, how to do?
So, see is risk dot in which? Make the same score typhonic danger from be in harmony very big, affiliated enterprise manages not to be pooh-poohed, platform has to suffer disaster. And true P2P platform, the object of the service is small and dispersive, and the object of the service disperses more more more, the risk of platform is lower.
So how to identify from be in harmony?
1, the authenticity that sees sign
Can pass " information of countrywide company credit is public show a system " examine loan company, do not check that specification is essential nonexistent. Can check, see loan company establish time and loan time, if be close to very much, basically be platform built an empty shell to come financing, who dare lend normal after all platform the company that just established to. Looking is empty shell company, still can inquire business address, on-the-spot past has a look. Still can examine an enterprise to be in additionally fair the annual report that shows a system, comparative platform is announced to the information of loan company, see enterprise battalion close, whether does profit make a holiday.
2, treat loan company or individual whether as associated as platform
In information of countrywide company credit fair show a system to inquire loan company while, inquiry net borrows platform to be in a company (full name) industrial and commercial information. Situation of comparative and both legal person, shareholder. Both legal person and partner have agree or alternate circumstance (of course still what the relative concerns also is inspect with correlation) , so apparent, platform and correlation of loan company presence concern.
If have,is company generation to maintain an appearance in platform or business partner setting, era holds company setting to also want one dug unexpectedly.
2, deadline fault matchsWhy be deadline fault to match? Some platform favore the be fond of of short-term mark to cater to investor, project of will long-term financing is torn open short-term, for instance a year period mark, tear open 12 mark of a month, in order to achieve the goal of fast financing, this is deadline fault matchs.
Why does deadline fault deserve to explode easily thunder?
The risk that deadline fault compounds basically is reflected go up in liquidity risk, once " hair new countervail is old " among them a link appeared problem, bring about capital catenary extremely likely to rupture, platform cannot cash. Resemble big now environment for example bad, a lot of investor decreased to buy or exited, go receiving old debt without new fund, platform explodes easily thunder.
Deadline fault deserves to borrow return old way newly, go up from essence for, be close to Pang fraud very.
How to identify deadline fault to match?
Can read platform first the proportion that short-term mark holds is high, if the majority is short-term mark, be about to take a heart more. The directest of course accurate, examine the loan contract with the most original borrower directly, seeing the time with mark is consistent, if abhorrent, that is deadline fault matched.
