How To Make Financial Plan For Investing P2P

Recently, the financial industry has been uneasy. Under the ten billion line of financial management, Jin Asset Management Co was investigated, the total investment exceeded 34 billion yuan, involving more than 130 thousand of the total number of passengers. Rong Yi Bao has been suspected of not being caught on file, suspected of over 10 billion yuan of funds, investors, tens of thousands of people. Yi Qian's wealth was also suspected of illegally absorbing public deposits, and 5 branches were investigated.

Recently, the Ministry of public security will work closely with relevant departments this year to focus on Internet financial risks. Through these messages, we feel a sense of rain coming. We expect the regulatory authorities to take concrete actions to control those Fortune Management Inc who are unworthy of the name and stifle the fraud in the cradle.

One financial fraud, I do not know how many families have been harmed, and how many years have been pits.

Looking back, we will see a strange phenomenon. That is, whether it is from Pan Asia to e to rent treasure, from big group to Xin Qi assets, or from golden deer money line to China Jin, or from Rong Yi Bao to today's easy to dry wealth, what is interesting is that as long as there is a financial platform accident, people who do not know the truth will be filled with indignation, and they will be consistent with P2P. Many people say that P2P is broken and can not be voted. P2P is all a liar, P2P industry sooner or later pill, right?

But is this really true? Of course not. In fact, the platform of these runways is not really P2P, or even P2P. For example, the Sino Jin assets, from the latest announcement of the Shanghai Municipal Public Security Bureau, shows that the assets of Jin Jin are not in the category of Internet lending industry, and have nothing to do with Internet finance.

In April 9th, the people's Daily published the text of "winding up and running off the road is not so easy (policy interpretation and focus)", which is named for P2P.

It is pointed out that the real P2P platform is only an intermediary platform for borrowing money and investors, and does not make capital payment and centralized investment business, that is, capital pool business. Therefore, not all Internet financial companies are P2P platforms. They do not possess the above characteristics, especially those involved in the pool business. They can not be called P2P..

In fact, regardless of P2P or the so-called offline financial institutions, their deception itself is not brilliant, but under the condition that supervision is not clear enough, ordinary investors are easily deceived. The 360 Xiaobian reminds us that we should judge from the following points: it is easy to crack the hoax.

Investment must understand and confirm the authenticity of business. Money is really invested in business, rather than being diverted. For some companies whose products and whereabouts are extremely opaque, investors are best advised not to touch them. As an investor, if you don't even know what your money is being taken up by others, you can throw money into it. Then I can only say, how big is your heart?

Take e as an example, more than 95% of its projects are fraudulent. In addition to debt service, a large proportion of the funds absorbed were extravagant. It is reported that e rented Bao Guang is the advertisement burned 1.5 billion, Ding Ning only gave a value of 130 million villa to Aman Chang, 12 million worth of diamond drill ring, luxury cars, watches and other gifts, and also "rewarded" her 550 million yuan...... The money of investors is their own flower.

So, if you encounter a platform that you can't tell the whereabouts of the funds, you must not vote. Otherwise, when an accident happens, when you react to ask for payment, the cheater can only throw you a sentence: "sorry, all the money you invested is what I spend."

No matter what investment and financial management it is, it is best not to touch business and operation mode. For example, Pan Asia, 220 thousand of all investors, involved 43 billion of capital. Pan Asia deals in precious metals, but how many of these 220 thousand people understand the business mode of precious metal trading? If you understand, you will find that Pan Asia is not investing in precious metals in essence. It is a thorough Ponzi scheme.

It is OK to do not understand, it is absolutely impossible not to know and return. If a platform talks about their business models, but you just don't understand how it makes money, then don't vote. Even if there is no problem with this mode, you will not be able to make money.

All financial frauds have a typical characteristic of high interest rates. They promise more than 20% of the profits, some even to 40%. How can such a high yield be achieved? To know, the rate of return on bank financing is generally less than 5%, and the annual yield of Internet financial products is mostly 8%-12%. People can not help but doubt the use and whereabouts of funds. If an enterprise can afford such a high cost of financing, it should also be a fast bankrupt enterprise. The way to survive is to constantly cheat money. If you put the money in, he will not promise you to pay such a high interest rate.

Take the Sino Jin assets as an example, once claimed to promise 40% of the annual yield of partners. If so, the sales commission of 20%, the management commission of 20%, the marketing and other amortization of 20% - your capital is owned, what else do you vote for?

Behind the high yield is digging holes. When you are interested in high interest rates, people are thinking about your capital. And once the window is on the scene, money has been wasted by them. Investors often lose their money.

In addition to purely fraudulent practices, many of the Swindlers Company that "roll off the road" were originally suspected of self financing. Self financing means that the platform owner takes the platform as a "financing tool" for his own financing, and brings the investor's money to the platform's own company or affiliate company. In essence, it is illegal financing. For example, e renting treasure is a typical example. Self financing platform It buys information from some enterprises, and then makes false projects on the "e rented treasure" platform, fundraising through platform, but finally spoil funds.

The risk of such a company is enormous. As long as the capital chain is broken, the boss of the platform will run away so that the platform can go bankrupt, and the investors' funds can not only return the principal and interest on schedule, but may even lose their blood. One of the characteristics of the self financing platform is that the revenue is very high. In addition, if a platform's publishing target is too single, and it is the same as the actual controller of the platform shareholders, it is most likely to be a self financing platform.

Since last year, almost all the platforms that have happened are offline financial platforms. Nowadays, there are "XX fortune" and "XX fortune" companies everywhere in the streets and lanes, especially in the two or three tier cities, and there are three or four financial companies in one street. Different from the line, the line depends on the sea of people tactics. Subway, street side, can often see a black suit, holding a dozen leaflets, to passers-by (especially the elderly) recommended financial products "salesman", in their mouths, their financial products, and banks as safe, earnings are ten times the bank.

However, for investors, there is no way to judge the whereabouts of the financing companies under these lines, the authenticity of the borrowers and the use of the loan. Not to mention, some offline financial companies generally absorb the investors' funds and lend money again in the actual operation. This is why the regulation repeatedly prohibits P2P from engaging in offline financial services.

Therefore, the 360 Xiaobian reminds investors that if you walk on the road and meet a salesperson to introduce financial products to you, you can say that the annual interest rate can reach 50% and 100%. Xiaobian advise you to stay away from it.

If your Circle of friends There is a "financial manager" who is carrying a lot of cash or driving a luxury car full of wind. The manager, especially the "financial manager" of a beautiful woman, is directly black. The company that he (she) is likely to be Swindlers Company, the reason why flaunt wealth is to create a false impression that "our company is full of money and strong strength" and then wait for you to bite. The collapse of Zhongjin was said to have been caused by a beautiful woman showing off her wealth.

Let's calm down and think, if a company can give employees such a high salary, how much profit can he get? Under the economic situation, the profits of the entities are very difficult, and the water is too big. The money they can bring to show off their wealth is likely to be your capital.

Zhongjin, golden deer, and fast deer, these fallen, dressed in various coats. Financial management company Without exception, it seems to be a strong and admirable "big up" financial institution, but it is often Jin Yu's failure. The propaganda that they looked very tall on the other hand was actually pulling the tiger's skin.

For example, Kinsey silver, who claims to be a listed company, does not know many people, but thinks that it is just a Shanghai stock exchange which has no threshold at all.

E, Aman Chang, the president of the post-80s generation, is known as the master of Perpignan University of France and the financial person of strength. However, according to the information posted by Baidu post users, Aman Chang's University in Perpignan, France, is not very well-known, but a very ordinary university. Aman Chang once claimed that e rented treasure 70 billion in a single month, and was ridiculed by netizens for financial blindness.

There are also star endorsements, Xin Qi assets, e rent treasure, and Sino Jin assets have ever sought celebrity endorsements. Celebrity endorsement can only be explained to the money, not as a credit endorsement, a real business firm, will not spend energy in advertising, but should be placed on risk control and operation.

There are many platforms to decorate the facade very stylish, gorgeous, and some decoration even like banks. There is a saying that the more people show off what is lacking in a person, the financial platform is also the same. The more he wants to prove his strength, the more he shows that he has no two brushes, and can only show off his face. What is even more frightening is that the money for decoration comes from the principal of the investor.

Some time ago, Shanghai issued relevant policies to supervise and investigate the P2P platform, indicating who should be introduced and who is responsible.