Discussion on how to operate the three or four-line City Network loan platform

Looking at the surging side of the network lending platform, I believe that many investors are also smoke and mirrors, the world here is very exciting, light mouse, on the lucrative, the VCs also stay. Here the world is very helpless, fraud, from the melt, in the Thunder run, but also to safeguard the difficult. As offline investors for six years, how much confusion, how relieved, talk about the three or four-line city of the network loan platform, those are ray, those are treasure. And how these little platforms work.

1, fraud platform, I said here is not a day on the run on the fake platform, but the people and company procedures are true, but the purpose of doing the platform is to circle money for their own external debt. This type of people who open the platform to borrow money without a door, I heard that the net loan platform can melt money, opened up, did not want to do business, rely on the management fee spreads profit. He had no ability to return, nor did he think about it. This kind of platform interest award is very high, all business fraud, basically will not last six months, so no matter the appearance of packaging more glamorous, are filled with his bottomless pit, such a platform can only clap, resolute can not cast.

Identification method; 1 to see his mobile phone number in a few years, the debt of people often change the number, 2 bank credit, check a single full standard business is reliable. 3 Open net silver from the bank water to see where the money goes. 4, see his name of the number of assets, there is no seizure.

2, self-integration platform, this kind of platform is often the founder of local enterprises, enterprises outside looks very strong, plant, equipment, office buildings, workshops, everything is glorious history, but this platform has more than half of the insolvency, the bank refused to lend, financing no door, just opened the platform, only to help enterprises through the crisis. Cast this kind of platform profit and loss each half, he can turn over the investor natural Whippany double Accept, he if do not raise that you can only become shareholder. Do not cast their own capabilities.

Identification method; Through the bank inquiries can know, if the site said that the business is good, the local bank can not give him a loan. Bank interest is how much, see his interest is how much. Glance。

3, calf platform, this kind of platform belongs to the younger generation, young people, keen on the Internet, keen on new things, ideas ahead, the courage to try, dare to do. Small Marche too narrow, young eagle wings hate days low. Rapid expansion to expand, but lack of wind control experience, inevitably more overdue, once the overdue runaway, will borrow new old, raise interest and reward, want to use scale dilute bad, easy to form the game of drumming, if can learn lessons, slow expansion for stability, accumulate experience, also can slowly bigger, this kind of platform in the new on-line period must cast, Rest assured dozen new, ruthless tares wool, as long as not too greedy cast long-term general will not in Thunder.

4, offline transfer on the platform, walk line under the combination of online mode, business real, experienced. Also experienced usury madness when the baptism, to understand the depth of the financial industry, to do business strict norms, and then high interest rate of risk is not moved, stable word pledge. But the boss dead pull, everywhere calculation, all day too expensive, a penny can break into two half flowers, also self-righteous. A bunch of fair-weather friends. The bank governor, the director of the Housing Bureau, the boss of the guarantee company and the manager of the evaluation company felt that they were everywhere. But the actual people please he is a business to pay, he asked others is their own money, so the thought of spending on the distressed. Such a platform is worthy of long-term investment, relatively stable, and strong ability to resist risks. Interest rates are around 20%.

5, tall on the platform, such as Red Ridge Venture cast a class, such a platform small city no, I do not know how he is profitable.

Since it is the investment net loan, we first understand the local private loan general interest is how much, through the local investment company, the small loan company, the pawn shop, I know that if the interest on the loan project issued by the platform is much higher than the local normal interest rate, the project can be real, okay? After the first loss, then we calculate the operating costs of the platform? Rent, staff wages plus incentives, publicity costs, communications traffic, industrial and commercial taxes, how much money to operate to be able to cost, to 10 million as an example, if the financing cost is monthly 2 points, external put 3 points, 1 points of the profit margin is 100,000, the pro 100,000 enough to pay? If you say enough, there's a surplus. Can have a big development. Then you release 10 million to go, the 10 million of the heart ah, if it is 100,000, a total of 100, so as long as the monthly 1% bad, you guess how long the platform can be. The platform either admits that it is not profitable or that it is profitable to hold the investor's money. If the platform itself does not have the strength, purely refers to earns spreads must not starve to death. Moreover, it is very normal to borrow money overdue, not to say that the borrower has not yet run away, and so on, but that can not be in the agreed time repayment, investors are due to recover the principal, the platform can afford it? So that this industry must be a certain strength of their own platform to play, calculate the account. Rational investors must see how the platform is profitable, take what also, understand clearly can avoid the Thunder, platform by what bear responsibility, take what to hedge risk. Including playing new, the platform will demolish the east wall robbing, we must do the west wall, of course, we will become the east wall.