Many people believed the net lends the tall get one's own back of platform, overhand oneself money earned by hard toil. But the tall redound that you take a fancy to others, others took a fancy to your capital however. Platform carries investor principal to run the news of the road is not scarce, so why does the net borrow platform to you can run road?
Nearly two years, p2P development momentum is spectacular, but run the amount of road platform also is absent a few, this makes in a state of anxiety of investor popular feeling, so, why can P2P platform happen again and again run road phenomenon? P2P platform runs the road basically has the following reason:
One, baleful bilk
The goal that some platform establish is for bilk, have commonly the following 3 kinds.
1, pure bilk platform
This kind of platform establishs a goal is for bilk, dummy borrower information, it is bait with high interest rate, wait for a form through mark of false conduct propaganda, second, the paragraph coils after attracting investor to invest in great quantities and escape.
2, from platform of be in harmony
From platform of be in harmony it is to show the loan project on platform all is affiliated enterprise or of mark of platform fiction loan, it is the capital move of collect oneself with.
3, Pang fraud
Pang fraud, say again in home " tear open east the wall fills on the west wall " , simple for borrow namely return newly old, the fund that uses new investor will to old investor pay accrual and short-term get one's own back, the false appearance that makes money in order to make then diddle more investment.
2, management not to be pooh-poohed
Of course, be not all running road platform is a purpose with bilk, because oneself operation not to be pooh-poohed brings about platform to close down,also having a lot of platform is, run of the road. The reason of common operation not to be pooh-poohed has the following at 3 o'clock.
1, violate compasses operation
Tear open mark artificially, build capital pool to wait violate compasses behavior to emerge in endlessly, this brings about the liquidity risk increase sharply of platform, should appear when negative news, because a lot of platform are carried show difficulty and close down.
2, platform wind controls capacity poorer
Although close completely,operation of platform of a few P2P goes up compasses, but wind controls capacity general, promoted the rate of exceed the time limit of platform and capital bad Zhang rate directly, once this kind of circumstance develops the condition of irremediable, will bring about P2P platform to run directly so road.
3, baleful a run on a bank
Arrive the end of the year, investor is badly in need of capital, carry showing person much, and the person of investment becomes little, the platform of all but of actual strength of capital of in every case, face the enormous cash pressure of this kind of concentration, the tragedy that cannot avert capital catenary to rupture, be obliged finally but run road.
As a whole, eliminate is the platform of the purpose with bilk partly, a lot of platform close down, run the reason of the road is accuse in wind and capital is safe this two respects. Accordingly, when investor is choosing to rely on chart platform, OK also and great attention this two respects, the wind that reads platform controls capacity how, whether to have tripartite fund mandatory etc.
