Whether to accord with a dot to locate to nodding message medium, it is the mainest to P2P platform demand. Reason judge a platform, answer to whether rely on chart from the product, the whether actual take as the point of departure of mark, this is fundamental foundation.
The main form of false mark has: Wait from pool of be in harmony, capital.
Fasten from be in harmony " the borrower financing that uses this orgnaization Internet to platform is oneself or have related concern " , among them related concern is to point to hold platform 5% above share (right to vote) thing of person of partner, effective control, trustee, inspect, senior administrator and its relative, and suffer correlation of pilot of person of same and effective control with platform square. Of course, platform with oneself name financing of utility of dummy perhaps loan, it is to belong to more from be in harmony. False mark is platform the typical gimmick from be in harmony, platform is hook in capital, a large number of false mark draw the line on the meeting investor, raise money income fund by platform divert. Solid guide oneself for platform the project that acts oneself, final reimbursement origin is platform itself actually. Platform oneself serves as borrower, lack all sorts of risks to ensure measure, what lend capital to also be not use at normal company to produce operation, once platform capital catenary ruptures, platform hard normal reimbursement.
" activity of business of orgnaization of leasehold message medium manages the network temporary measure " point out clearly must not create capital pool. So-called fund pool, it is direct or accept secondhand, the capital of lender putting in collect 's charge, actually the capital of lender does not have borrower of direct butt joint, took the account of platform however, allocate by platform processing, undertake old black box is operated borrowing be returninged newly. The person of operation capital pool, take a few water from inside big pond stealthily, who can know again? Some platform bid with gather mark, intelligence, current product, conduct financial transactions plans to pack capital pool, actually lender ground floor borrows money to look existence bales medicinal powder the deadline fractionation of mark, mark or fault compound condition, money is buckled likely also to fall by platform or divert, this is superintendency unallowed.
Identify the skill of false mark: Time of interest rate of the loan of loop of amount of borrower information exposure, borrower, borrower, amount that send label, deadline and speed, loan, reimbursement, check mark to wait.
Superintendency requirement platform should disclose the basic information of borrower, include but not be confined to year report of income, main belongings, main debt, credit; The basic message of financing project, include but not name of project of be confined to, type, main content, situation, examine and approve grade of means of time limit of amount of utility of origin of file, reimbursement, loan, loan, loan, reimbursement and interest rate, credence or credit grading, assure the circumstance. Below the premise that does not divulge privacy, the information exposure of those representing capital of be in harmony is jumped over in the round more complete, be real mark possibility is larger. If the car borrows this kind of bid that objective serves as asset, photograph of platform general car, important papers undertakes announcing, it is gas of a kind of bottom. And the mark that send a holiday, loan data often is met very simple, the data is not complete, ambiguous, have a lot of mosaic, lack materiality content.
If borrower will be answered back and forth with respect to those a few people, appear without other borrower, or borrower amount is in certain time paragraph unexpected violent wind rises, so this kind of condition is probable it is the false award that platform sets oneself, cooperate false project to produce person gas by waists-coat Zhang date. Lender can pay close attention to before platform 10 borrower and the scale of before 10 investor, if these two data too concentration, so be about to notice, false bid of existence of this specification platform is possible.
If borrower circulates loan, appear repeatedly phenomenon of same person loan, also be false mark likely, although not be, beyond the mark and frequent loan demand itself is one big question.
If appear suddenly of big mark, the term of the project of mark is shorter, the frequency that send label is unusual, full bid speed is unusual, probable it is false mark. Generally speaking, the possibility on the low side of the cheat of small and dispersive mark.
According to legal provision, civilian leasehold annual interest is led under 36% get legal protection, normal company can offer certain pawn, do not wish to pay high financing cost commonly, tall redound means high risk necessarily. The false mark of P2P platform can attract lender with accrual of high specified number, the project with meet unexpectedly so high income wants special caution.
Judge a platform to whether have false bid, still have two main index, that is reimbursement time unites borrower to whether have with borrower ahead of schedule the circumstance of reimbursement. Two hundred and seventy-six million four hundred and forty-seven thousand two hundred and thirty-two borrower of disparate industry unite different area impossibly time reimbursement, impossible also all borrower the time reimbursement according to the agreement, somebody on time reimbursement, somebody reimbursement of exceed the time limit, somebody has bit of money to want to shift to an earlier date in the hand reimbursement, this ability is normal. If say platform is all of bid of a month, it is the reimbursement of the last day in a month, of all 3 months bid is the reimbursement of the last day in 3 months, this platform has the suspicion of cheat.
If lender suspects platform has a problem, can choose to make an on-the-spot investigation on the spot examine mark, ask for paper contract to examine to the company, examination platform wind charges professional rate of the system, if can arrive,platform spot selectives examination randomly the authenticity of mark, the effect will be much better. Guaranty mark is examined fair show house property card, car to register information of card, travel evidence, whether to deal with guaranty to register, because dealt with guaranty to register formalities only, everybody cannot sell off change the name of owner in a register, ability is OK preferential when prospective asset deals with suffer countervail. Additional, building guaranty must want to house property card just can be dealt with, the contract that buy a house cannot deal with guaranty to register formalities. Assure mark should be examined assure company whether to issue assure writtenly case or sign written assure a contract. Additional, if project course is small,assure the company assures, assure accordingly aptitude, assure it is fund condition, clear to should ask with platform relation.
Is the true platform of mark what kind of?
To understand easily, we are with a platform that the name borrows for 100 gold exemple, the true platform that sees sign has what model feature. Through examining the content of exposure of information of this platform APP and mark, we discover:
1, from the point of product mode, this platform is not had from feature of pool of be in harmony, capital, tear open without big mark small, match without deadline fault, without net value mark, make over without creditor's rights, without gather mark, bid without intelligence, plan without current product, unjustifiable money, platform holds to the platform fixed position of message medium, of mark be opposite for real point bit of leasehold relation, true, transparent, close compasses;
2, this platform borrower comes from each all corners of the land, industries, loan finance is small and dispersive, accord with individual and upper limit of company borrow or lend money, loan interest rate and integrated charge did not exceed 36% ;
3, information shows a side, this platform is protecting the privacy, foundation that lays a code appropriately to go up, showed silver-colored watch meeting and letter of association of each other gold wrap around the index of how-to requirement;
4, the reimbursement time that we examined borrower of a few this platform randomly, reimbursement time paragraph each are not identical, accord with true condition.
