What Is The Frequent Running Of P2P?

P for two weeks, Liu Wen was enveloped in nightmares almost every day, all of which came from investment.

After the Spring Festival, Liu Wen introduced his savings of 200 thousand yuan into the P2P platform "Wangwang loan" under the introduction of his friends. He thought he would get a lot of benefits in three months.

Who knows, less than two months, an explosive news online let Liu Wen's dream shattered immediately - "Wangwang loan" suspected of fraud run.

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< p > these days, almost all of Liu Wen's energy is focused on finding the missing Wangwang loan, trying to find clues and recover her 200 thousand.

But when she calls the 400 phone again and again, the end of the receiver will never be able to connect to each other. Once the QQ customer service is contacted, all the QQ icons are all offline, and their official website has long been unable to open.

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< p > victimized < a href= "http:// www.91se91.com/news/index_c.asp > > investors < /a > nearly 1000, the investment amount from 2000 yuan to 1 million, the total amount exceeds 10 million yuan, and this huge amount of money disappeared overnight.

The P2P platform, which was registered in Shenzhen, has been online for only 5 months.

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< p > according to the victimized investors, the standard of the "Wangwang loan" platform is from one month to one year.

In general, the rate of return of a month is 18%-19%, the rate of return in two months is 19.8%, three months can reach 21%-22%, and the rate of return in one year has reached 24%-29%. Moreover, the website clearly indicates that it can provide the principal and interest protection. When users register, there are incentives and rebates, which has made many investors move.

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< p > "I found that the day when the web page was not open, I went to report the case. I saw photos of the company including Guarantee Corporation's business license, tax registration and so on. But when the local police station in Shenzhen went to their registry to investigate, they found that the Guarantee Corporation did not exist and the registration information was false," said Liu Wenru.

Because there is no such company, it is characterized as "fraud case".

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< p > P2P net loan, attracting investors with "low threshold and high yield".

However, because of impulsive investment, lack of experience, and some P2P platforms which are unethical and risky, they are tempted by super high interests. Many investors "fall" into the puzzle.

Losses are inevitable, and capital recovery is like looking for a needle in a haystack.

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< p > < strong > P2P trend intensified, road events fermented < /strong > /p >

From P to 2013, the P2P industry has been growing rapidly, bringing fresh blood to the financial industry. Meanwhile, running events are also emerging one after another.

According to incomplete statistics, up to now, investors have been locked up < a href= "http:// www.91se91.com/news/index_c.asp" > funds < /a > about 2000000000, and the funds absorbed by individual platforms are over 100 million yuan.

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The first case of < p > P2P took place in December 2012. It was launched on August 2012 in the Youyi network. It was closed in 4 months, with 60 victims and 20 million yuan involved.

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< p > according to the monitoring data of net loan home, as of mid June 2014, there are nearly 750 P2P lending platforms across the country.

This year, 5 months, there are 8 platforms running or closing, including instant money, rising wealth, credit wealth, CITIC venture capital, investors loan, Ren credit, Wei Tai venture capital and Hongchang venture capital.

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After entering P in June, there were 6 P2P platforms running off.

P2P also appeared for the first time in Beijing.

First of all, only 4 months' on-line "Jinbao website" was left empty. It is reported that the website involved more than 260 million of the amount.

Subsequently, second cases of running in Beijing appeared as "legal liaison" of the legal representative of Beijing Rong Xin Bao International Cci Capital Ltd.

About 600 investors were involved and the amount involved was about 80 million yuan.

The above two platforms have not been able to call the customer service phone, and the customer service is not online.

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The phenomenon of "P P2P" net loan platform is not uncommon.

Data statistics, as of now, the running time of the running platform is less than 6 months, and more is the situation of running in 3 months.

However, the morning running and the afternoon running are rare.

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< p > because of low entry threshold, high return in the short term, and unclear supervision, the problem of P2P network loan platform is frequent.

However, the industry believes that this is the inevitable course of the P2P industry's ebb and flow. When the regulation is strengthened, the industry will gradually take a healthy track.

At the present stage, it may be just those "cheaters" who are lucky enough and lack morals.

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< p > < strong > < a > href= > http:// > www.91se91.com/news/index_c.asp > P2P > /a > why frequent run away > /strong > /p >

Why is P2P, P, the most popular P2P?

< p > industry analysis shows that there are two reasons for running off the road at present. One is the inaccuracy of management and management, the interruption of capital chain and inaccurate positioning of the market, resulting in "being on the run". The other is from the beginning of the fraud mentality, drilling Confucius under the condition of unclear supervision.

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In P >, the platform of a running road usually has several identical characteristics.

First is the wrong understanding of interests.

Some platforms gain profits by earning interest rates in net loans. They think the more the volume of business is, the more profits they will earn.

However, in fact, if a net loan platform is to become a mainstream, its investment in technology maintenance, advertising and user experience is huge, and the profits brought by spreads can not meet these inputs.

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< p > in addition, the market position is unknown.

Some platform investors maintain the operation of the platform by borrowing new and old ways, that is, using new investors' funds to repay the former investors, so as to maintain platform operation.

However, due to the lack of strict control in the audit process, resulting in the borrower breaking the contract, causing bad debts and so on, the platform capital chain has broken down and will soon be unable to operate.

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< p > supervision is not clear. The policy has not yet landed. Some of the lucky people have begun to stampede the red line of the law.

For these frequent occurrence, the industry generally summarized the following characteristics: < /p >

< p > 1: swindler platform: build an empty shell of P2P lending system, flaunt higher income and preferential policies than ordinary platform to entice investors, when investors trust and make investment behavior.

In the early days, these swindlers would perform the purchase or return points according to the "promise" so as to continue to gather more funds. When the funds reached a certain scale, the swindlers would be free.

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< p > 2: pool of funds: instead of using the third party trusteeship, investors' money is placed in the pool of platform related funds and lenders to the borrower through the platform, thus making the flow of funds opaque.

The latest regulatory measures clearly stipulate that the P2P platform can only be an intermediary platform, and no capital pool can be established, which requires funds to accept third party trusteeship.

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< p > 3: illegal fund-raising: self financing after platform financing, because of its own financial risk control problems and other problems, resulting in a shortage of funds, and thus unable to return the funds of investors as scheduled.

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< p > 4: platform self guarantee: the P2P platform itself guarantees the borrower. Due to the lack of auditing mechanism and risk control capabilities, it is often difficult to ensure the credibility of the borrowers, and finally lead to the failure of the platform capital chain when there are bad debts.

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Huang Zhen, a professor at Central University of Finance and Economics, believes that the Internet financial platform provides public services and support for the financial self-employed. In the future, because of the emergence of more Internet Financial platforms, it is possible for everyone who holds the funds to form financial and self-determination power, which is a major breakthrough for Internet investors' financial rights and interests in the future. P

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