Close paragraph of time, domain of whole Internet finance " thunder " rumble: Net of father of the finance of a round flat piece of jade with a hole in its center of Tang Xiaoseng, couplet, Niu Banjin, home that cast be in harmony, money, silver-colored ticket, always net of investment of benefit treasure, love, silver-colored beans... a string of big platform explodes thunder.
Venture of national Internet banking analyses technical platform data to show, up to on June 30, 2018, our country borrows platform in the P2P net of operation in all 2835, among them, add 36 the home, die out newly first half of the year 2018 721.
Occupy media statistic to comb, came 42 days of July 12 on June 1 inside, the whole nation shares 108 P2P platform to explode thunder, be equivalent to exploding everyday thunder 2.6. This round of P2P explodes Lei Yibo reachs tens of 10 thousand investor, and much with labour firewood estate, low income person give priority to.
So, is P2P still worth investment?
01
Internet finance must be brought into superintend effectively
Lack is superintended strictly and angle high return rate, it is the secret worry seat that the Internet finance such as P2P retains in high risk. P2P says with its is to use Internet, be inferior to saying more is the chance that got superintendency regulation. If to finance innovation lack is superintended, will derive a series of cash crises.
Of course, undeniable, p2P net is borrowed have its active meaning. From fundamental face for, investor has the demand that capital configures, individual and enterprise have loan demand, existing financial system cannot be satisfied entirely, the net is borrowed have existence value. If can bring into its effective superintendency under, may improve the efficiency that capital flows, absorb civilian disengaged capital to develop place to use for the enterprise.
From the point of superintendency level, the superintendency orgnaization such as the Central Bank also does not have a knock sb. down at one stroke, hope Internet finance standard is managed however. Near future Central Bank expresses clearly, reoccupy 1 to 2 years time completes Internet banking venture special punish. Regard the course of study of key punish as voice, p2P network is leasehold with the network small borrow a domain to put quantity risk to dissolve clear, the time that finish will be lengthened to in June 2019.
02
P2P invests 4 big notes
I disapprove of everybody to participate in the P2P of high risk to invest, but if must invest, defend the following principles sincerely please:
Above all, "The egg is not put in same in basket " , the purpose is to avoid systematization risk, it is to let you deploy capital in kinds of big different asset dispersedly, invest to wait in bank deposit, stock, bond, P2P, gold, estate dispersedly for instance, and rather than invests entirely in the stock market different, or in the different platform of P2P.
Next, do not seek high income blindly, choose to manage normative platform as far as possible. A lot of explode the platform of thunder is it is bait with returning benefit or high interest rate high, cause the thunder in investor. Resemble Guo Shuqing of chairman of the silver-colored conference that keep watch reminding, "The accrual of 10% above is about to prepare a loss entirely capital " . This is not exaggerate sth just to scare people, because big environment is such, bank 5 years period put interest rate surely also just 3% the left and right sides, change yield 7 days of remaining sum treasure years to have 3.6% only at present.
The 3rd, do not want superstition to appear on the market of old man of department, national endowment department, investment endorse. The net borrows an industry to develop up to now, head Dai Ge is planted beautiful beautiful aureola and the platform of collapse is absent a few, the aureola in the past can not make sure tomorrow is due on the safe side, more what is more,the rather that the true condition of backside of a lot of aureola how, have fiction or exaggerated part, who says thoroughly?
The 4th, the cash that always notices platform flows. Once only cash reserve in a bank of platform occurrence investment is poured out of, and increased the strength that send label suddenly, favourable activity is ceaseless and strength is increased, so probable the last wrestle that is platform, you go in to become the final person that receive a baton possibly.
