Last week, the second line platform of two Shanghai had an accident again! Ability rice commune by classics detect, new couplet is online tall canal breaks couplet, the Lei Chao that just just appeases a little has again flip through. The particular case pony of these two platform reads money before had been analysed, here no longer give uncecessary details. Pony elder brother thinks those who say is today, as Bencilei tide is taught to the profundity of investor, the inferior platform of a few not attend to one's proper works or duties still can fall into disuse stage by stage, the times that there is an eye to be cast foolishly before was gone never to return! So, as us investor does not have fluky mentality, it is moment should be returned on road, look how to want earnings with the risk! So, we should understand first, after Lei Chao, how can be P2P sided with way develops, pony elder brother is cast today give 3 point of views, discuss with everybody.
[viewpoint one: The confidence of investor won't restore, p2P net borrows investor to will move toward reason]
During Bencilei is wet, pony elder brother also answers those who cross many investor to complain, a maximum sentence that listens among them is: "Whats do not understand before us, follow like putting a bank, expire it is OK to waiting to take profit, who knows the so big thing on booth " . So everybody tells here, p2P follows putting a bank have substaintial distinction, p2P essence is to cast to the civilian leasehold market of high risk, no matter be individual credit, the car is borrowed, supply chain, and even from be in harmony, face risk of higher probability bad Zhang, so, of investor " shutting an eye to cast " confidence will disappear, participate in the investor inside this industry to will move toward reason, through analysing the business of platform seriously, will to the risk strive for accrual. Future casts a net to borrow, follow long term like sending a stock, from time to time must stare at platform, the train of thought that tries in vain to look for a platform to be cast all one's life cannot be taken.
[viewpoint 2: The platform that does business truly greets spring]
Pony elder brother also is the old person that experienced a net to borrow wind storm rain, the change that reviews idea of this industry investor simply. The net before 2012 borrows investor, it is OK to cast platform to need to have a true office place only. After first time thunder is wet 2013, tell investor, platform must have real business, then the packing emerge as the times require of company of all sorts of loan data, loan. The Lei Chao 2014 tells everybody, original service data can make a holiday, platform must have strong background, appear on the market then setting, wind setting, country invests setting to begin to flew all over the sky 2015. Arrived the Lei Chao this year, believe these so called setting also will roll out historical arena.
So, platform after all how is ability safe? Have a result only: Do business truly. Attention, this follows real business is distinguishing, doing business truly is to point to accuse through strict wind, the bad Zhang that assures platform is inside certain limits, ensure platform can stabilize gain thereby. But, to investor, these conditions cannot be judged almost, running water of the business of platform, borrower, capital, financial even forms for reporting statistics can make a holiday. So, make the spring of business platform truly, need is accompanying effective tripartite to supervise a mechanism.
[viewpoint 3: P2P net borrows tripartite to specialization the trend]
The development that very much young associate always is an industry sends a hope to publish strong policy at the government, still hope the government appears personally even reveal all the details, pony elder brother wants to tell you, this is impossible. The government publishs policy even, bank conduct financial transactions must go firm add, more what is more,the rather that is the P2P net of high risk borrowed? So, this formidable task is about to give the media on the market.
But, at present the media on the market is not so professional. Omnibus media can report the net borrows the phenomenon of the industry only, to them, the net borrows industry dimensions too small, be worth to specialization not quite operation. Big V of so called finance and economics, economist people, to P2P industry mostly book of bureau be confined to, cannot from substantially look upon industry, not big to the referenced meaning of investor. The tripartite forum that the net borrows and from media main forces, those who invest support is the experience of associate with, the Lei Chao of true refresh acknowledge came, do not send really on what use. So, the net borrows an industry to need a batch to have sufficient acknowledge to the industry, and be willing spend the tripartite platform that energy studies, namely professional tripartite platform, will solve investor to cannot rely on oneself to judge the issue of platform.
Author introduction: Pony elder brother, author of Internet finance column, ever held the post of adviser of operation of platform of gold of much home each other, the home that the net borrows " conversational net borrows a person " column head period honored guest, net of investment count a hunderd schools borrows platform, had published article of 10 several industries, wen Feng is biting, understanding is original.
