The article that measures platform of grading analyse P2P has many, much from add up to the place have sth in mind such as compasses, transparent, setting, these factors are admittedly main, but whether to accord with a dot to locate to nodding message medium, it is the mainest to P2P platform demand, phonate to the high level from superintendency policy, there's no one who doesn't or isn't emphasizes this. So, judge the actor bad of a platform, whether should rely on chart from the product above all, the whether actual take as the point of departure of mark, this is fundamental foundation, it is the first lesson that lender learns into travel need.
One, of truthless mark main form
From be in harmony
Use superintendency argument from be in harmony, cry " 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.
Generally speaking, 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 investor, raise money income fund by platform divert. Because false mark is medium nonexistent true borrower and loan demand, the company is shell company, without business place, without office staff, 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 cannot hold together, platform hard normal reimbursement, contain huge risk sex.
Capital pool
Industry " the basic law " " 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, official view 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, borrow return old black box operation newly.
Spoken parts in an opera, capital pool is equivalent to pool of a flood. Every investor resembles a wirereinforced suction hose, in the big pond that throws that bit of oneself water platform, and those who give conduit correspondence is borrower, the seeper in pond is the money that keeps in platform hand. The person of operation capital pool, stealthily from the spirit away in big pond a few water, who can know again? Jural the orgnaization that allows operation capital pool has a kind only, that is a bank, the bank because its inherent business attribute, can precipitate fixed capital regards capital as the pool, other orgnaization is unallowed.
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 fractionation of mark or mark undertakes deadline fractionation or the fault compounds condition, money is possible also by platform divert or buckle below, these are superintendency unallowed. Nevertheless, if conduct financial transactions plans the loan time limit of mark and borrower to agree, conduct financial transactions plans mark to still can exist.
2, a few skill that identify false mark:
Borrower information is announced
Superintendency requirement platform should disclose the basic information of borrower, include but not be confined to year the basic message of project of financing of; of report of income, main belongings, main debt, credit, include but not name of project of be confined to, type, main content, situation, examine and approve civil
, grade of means of time limit of amount of utility of reimbursement origin, loan, loan, loan, reimbursement and interest rate, credence or credit gives a mark,
Assure the circumstance.
Usually, 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.
Borrower amount
If borrower will go with respect to those a few people, appear without other borrower, or borrower amount is in suddenly certain time paragraph unexpected violent wind rises, so this kind of condition is probable it is the empty award that platform sets oneself, date of Zhang of waists-coat of extremely possible presence cooperates false project to make a person enrage. Before lender can pay close attention to the domestic platform that the net borrows 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.
Circular loan
If borrower circulates loan, appear repeatedly phenomenon of same person loan, also be empty mark likely, although not be, beyond the mark and frequent loan demand itself is one big question.
The frequency that send label, amount and bid speed
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 empty mark. Generally speaking, the possibility of the cheat of small and dispersive mark is inferior.
Loan interest rate
According to legal provision, annual interest is led under 36% get legal protection. Normal company can offer certain pawn, tall redound means high risk necessarily. The false mark of P2p platform can attract investor with accrual of high specified number, meet unexpectedly time is so short, the project with big, high income wants amount special caution.
Reimbursement time
Judge a platform to whether have false bid, have two main index, that is reimbursement time unites borrower to whether have with borrower ahead of schedule the circumstance of reimbursement.
In real life, the borrower of disparate industry unites two hundred and seventy-six million four hundred and forty-seven thousand two hundred and thirty-two different areas 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, also have there is bit of money to consider the reimbursement on the horse in hand. If say some platform is all of the mark of a month, it is the reimbursement of the last day in a month, of 3 months bid is the reimbursement of the last day of 3 months, this platform has the suspicion of cheat for certain.
How to examine mark
If lender suspects platform has a problem, reveal the data that come out to cannot be judged through platform, how to do? Can go making an on-the-spot investigation on the spot examine mark, ask for paper contract to examine to the company, check wind to charge professional rate of the system.
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, all talents 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. If can arrive,platform spot selectives examination randomly the authenticity of mark, the effect will be much better.
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.
3, [what kind of is the true platform of Endif] mark?
With us finance is exemple, through examining the content of APP information exposure and mark, we discover:
1, from the point of product mode, our finance 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, 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, silver-colored inspect of our finance exposure is met and letter of association of each other gold wraps around 22 index that how-to requirement publishs, still announced at the same time encourage exposure index. Investor is OK and clear the individual information that sees borrower (include but when full name of be confined to, sexual distinction, native place, age, marital status, record of formal schooling, mobile phone date, mobile phone date joins a network, do not grow, occupy an address now, hold a post phone of company, company, place assumes a post, ;
4, after borrower success borrow or lend money, the project communication that the system still can make investor and borrower automatically group, make both sides direct communicate, lender can be in at any time group in quiz to borrower, put an end to the likelihood of cheat;
5, random intercept the reimbursement time of a paragraph of borrower, discovery has before dawn reimbursement, have in the morning of reimbursement, have afternoon of reimbursement, still have midnight reimbursement, accord with true condition.
