Cross-border P2P listed companies on how to be wary of platform edge slip into the abyss

From the group to sell fireworks also made P2P, nothing can stop the listed companies yearning for P2P.

"Shen boat side of thousands of sails, sick trees in front of Wan Mochun," or the box is a variety of "running way" voices, the other one is listed companies have influx. Yes, the wind started, no one wants to make a turtle pig, but some pigs have been hung, and some pigs are still going to the outlet it.

"Group gymnastics" to "individual champion"

In May this year, P2P platform Qianhai ideal financial on-line, which is behind a net loan platform with 14 listed companies, including Kane shares, Dalian Holdings, Czech Republic shares and including two companies with state-owned enterprises Zhejiang Daily Media Holdings Group, Zhejiang Gu Yue Longshan Culture Communication, including nine companies set up.

However, just this month, the fireworks industry, Panda Fireworks listed companies to spend 100 million yuan into the P2P platform Silver Lake network, becoming the single largest listed company into a single.

Originally, or in order to spread the risk of various companies to co-sponsored the establishment of P2P, would like to give us a "group gymnastics", but the situation is similar to the Panda fireworks, to take their own "champion" in this field in P2P Fighting and acting have become more exciting.

Count the number of these listed companies Pioneers

The number of these listed companies have come in the fight, July 19, China Electronic announced that the company intends to use its own funds 20 million yuan to subscribe Shenzhen Peng Ding Chong Ying Financial Information Services Co., Ltd. (referred to as: Peng tripod record Surplus) 20 million shares.

Public information, joined the investment in the establishment of Pengying profit listed companies also include Wal-Core, Tianyuan Dike, Sea can reach, Hing Technology, Clou Electronics and Derun 6 listed companies.

In addition, UFIDA's board of directors approved the proposal to establish Shenzhen Qianhai UFIDA Financial Services Exchange Co., Ltd.

Real Estate Company Wanhao Wanli also announced in June that the subsidiary "Zhejiang Yellow River Finance", a subsidiary of Zhejiang Zhonglian Online Asset Management Co., Ltd., was officially put into operation.

In addition, joining the P2P business there Founder Securities and Shun Wang Technology, the two in June this year on the Internet financial products and network promotion and other business reached a strategic cooperation, the two sides also announced that they will cooperate to build P2P investment and financing platform

Bet p2p listed companies how to play cross-border

Panda Fireworks spent 100 million to set up the P2P platform Silver Lake as an example, the official on-line is July 1 this year, on-line two weeks ago, Silver Lake net turnover of nearly 18 million yuan, the transaction target this year is 200 million yuan.

Open the Silver Lake Web page, the user can fill in the account password to verify the phone can register. On the current investment targets have been released full standard, since the amount of 100 yuan from the beginning; yield of 12% -17%.

Wind control will be, Silver Lake Network is a guarantee company and small loan companies, the state-owned security company on the subject of a full amount of principal and interest guarantee. The platform also set up a risk reserve fund to advance overdue projects.

In addition, Silver Lake promised a 100% repurchase of investors' claims when the online certification target and the field certification target had a bad debt (ie over 90 days in a row).

In other words, in addition to listed companies are endorsers, the Silver Lake and other network loan P2P platform did not play too many new tricks.

Satan's lure

Whether it is selling fireworks or selling sour fish into the P2P, no doubt, this first shows that the P2P industry is not yet a threshold high, and then look so close to the financial industry.

For Panda Fireworks, the head of this has been in various EMBA under the heat of Internet finance, decided to plunge into this piece of the sea is still unknown sea of ​​blue water or sea of ​​fire, the idea is that the fireworks have been sold Moved, doing finance may be the next selling point.

So it seems, tall financial is no longer a complicated thing, but everyone as love, everyone can be from, and, so close to the money thing, not exactly what businessmen are pursuing Why?

It is just like the snake that tempted Adam and Eve to steal the human forbidden fruit. Fortunately, in the current stage, everyone is still aware that eating, grabbing and eating is not complete without any license restrictions Forbidden fruit, early adopters, may be the first temptation.

Only take the stage to sing the show? too young too simple

So, net lending P2P really so easy?

An industry, if there is no threshold, then, by virtue of the real skill, pulled a person who endorsed, but is a tiger coat, pull the front of the temporary whistle-pick it.

So, net loan P2P platform where the real gun hiding where? In addition to the purely information intermediary platform such as pat-loan, many online loan platforms take their own model and cooperate with small loan companies and guarantee companies to provide their own projects by small loan companies and guarantee companies. This site through the Internet to find various investors.

If you really think so, but also intend to play P2P, then you have to make money through P2P, it may still too young too simple.

Do you really think that take a site, the various small loan companies, security companies to pull their own platform everything will happen? Do you really think that if you have the Internet, you can get all the rich to live?

Four Difficulties for Listed Companies to Enter P2P

Let me talk about the underlying technical level, do you know that some P2P platform to spend thousands of dollars to buy a set of software can do P2P it? But you know, a particular head of a P2P ring especially good news in the huge financing, but unfortunately hacked?

Say the source of the project, to put it plainly, small loan companies and guarantee companies willing to hook with the P2P platform, because both are limited by the loan principal, so to break through this limit can only be through the Internet, to push more projects Network loan platform up, what does this mean? Moral hazard under a common motivation.

Talking about the wind control, and some network platform for credit or even wind control is also given to small loans and guarantee companies to do, OMG, if you do finance, you do not have a set of basic risk control methods, can only say that this is still financial Eighteen thousand miles, at best, is nothing more than an intermediary.

Then finally talk about investors, the Internet is very open, is very equal and free, is to find a lot of people you are looking for, but after taking the platform, one of the most primitive problems come, the other side of the computer, browse you The page may be a gorilla. Moreover, how he found you in the vast Internet planet this platform, is by no means easy.

In addition to endorsing, what can listed companies bring

Listed companies on the current net loan platform, the only other network loan platform is the biggest difference between the endorsement of a listed company.

However, the endorsement of this matter, to the largest extent, is only to solve a trust problem, the essence of the core of finance is to judge and control the risk of lending, but also to allow capital to flow, if only to build an information platform, up to the value Still remain in the information flow stage.

In addition, for listed companies, there may be some games to play financial supply chain finance, such as upstream and downstream suppliers, channel providers to provide financial services, of course, provided that the listed company on their own upstream and downstream The supplier has enough voice.

Of course, those who established the P2P platform, the purpose of nakedly pushing up the stock price of listed companies are not discussed in this article.

From the platform to take a step away from the thunder pool

In fact, as far as the listed companies are concerned, listing means that they can finance the majority of shareholders in the capital market. P2P market, at most, is only a complement to the multi-level capital market. So, if listed companies get into P2P, the logic seems to be complicated.

From the initial point of departure, for investors, the most simple logic is to buy their shares of listed companies, and now, P2P companies to do a P2P, not only can buy the shares of listed companies, but also to buy the public company to do P2P platform on the various financial products. Not necessarily the above financial products than the company stock returns high.

So, one of the moral risks can not be avoided is that if the listed company to send their own projects to finance it? In order to market, play a variety of financial technology listed companies, to play a package of their own projects that is not a result of it? How to identify this risk? How to fill this loophole? Who can save him once he slides from the edge of the platform to the abyss of melting? Well, this time, standing on the roof may not just shareholders, but also may be the investment P2P "P people."