How to deal with the double days of ice fire in peer industry?

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Half the ice and half of the flames are performing in the Internet financial circle.

On one side is the charming loan in the NYSE successful listing, after the death of Morgan Stanley, Credit Suisse, Huaxing Capital, such as investment organization platform, indicating the world's capital to China's Internet financial channels of recognition and trust.

? On the other side from Pan-Asia to E-rent, and then to the big group, the state of rough expansion, the run, the difficulty of withdrawal and other negative clouds have always been shrouded in all-peer industry, again and again eroded the Internet financial industry promise.

The logic of running away

? Seems to be Heaven's peer to the end how to become hell? In simple terms, it is an individual's fake loan to a person. The beginning of the transaction form, peer-to only act as a means of facilitating the gaodai and Gaodai people, independent of the sale of information. By Gaodai and Gaodai people according to the information of their own judgment and the end of the sale, the way only charge information service fee.

? However, in China, small and medium-sized investors in the financial investment channels are scarce, small and medium-sized companies and financing difficult environment, Peer in the domestic beginning of a further "localization", derived from a variety of dizzying p2b , p2c ,... And so on a series of p2x transactions. It is also very well understood that the main body of the borrower extends from its own to the corporate company. This x is therefore a microfinance company, a finance leasing company, a business factoring company, a car loan and mortgage company, a guarantee company, and a variety of "financial organizations".

? The starting point of the getaway is right here. The way side if only a pure information intermediary, pull a pimp, do not self-integration, do not do money pool, then as long as the contract to do some clear, as the intermediary is not too much responsibility. But with the constant influx of capital, the competition intensified, the Bureau began to play a high interest-high risk-higher interest in the money game.

At the same time, in order to improve the way of competition, so that more people to their own way up, all kinds of peer-to step into the channels of intervention to deal with. The first step is to make sure that the capital is paid for by the investor, some peer to the other and even secure interest.

? So the problem came, added the insurance principal action, repayment responsibility of the holders become the way in the future, to make a living, the way must be together to ensure the progress of income and less bad debts.

? But the drop in bad debt rates is a prickly issue for any financial group that includes a physical bank. In this case, the path usually picks up as much progress as possible, and at this point it is easy to present a well-known Ponzi trap on the capital stream, that is, by constantly changing the money of the new funders to pay interest payments to the way funders, to satisfy the demand for withdrawals or to compensate for the gaps in undesirable property.

? at this point, once a few large sums of items present a Gaodai default, then reaching, a money pool of messy terms mismatch and allocation of funds in the Ponzi process began. The next step of the way is more rapid expansion, the introduction of more cost fill holes, mitigate the crisis, to maintain a smooth surface. But in fact, finance is a capital-intensive occupation, if the beginning is not useful to identify, on the back of the false prosperity, the accumulation of risk will only hide the greater risk. This is why it is clear that the sincere operation of the network loan channel eventually become the Ponzi trap.

? As for those who use self-integration and even fraud as the intention of the end of the successive closure of course, it is not very rare.

The Mire of Desire

? In the future, the call for regulation of this new type of financial profession has never stopped, including entry thresholds, the way operators are gifted, and the conditions of wind control. But on top of that, the less-than-fresh internet offensive may be a flash of humanity's aspirations and greed for ordinary mass funders.

? But from an economic point of view, financial management is the way to reduce the rate of inflation from a property. Rather than a way to add value to the property. The way to add value to property is called capital investment, and capital is risky. Whatever the financial markets are, they are made up of long-term value increases and short games. So if there is an investment activity that does not require any technology and is able to maintain a high risk-free yield for long periods of time, then it must be a trap-it seems to be a perpetual motive, no matter how the creator claims his principles, whether or not you can understand the loopholes in his depiction, it is impossible to accomplish. So when faced with an income that is significantly higher than the social cost of money, it is usually either self-fusing or there is a picture of him. The funder's approach to such avenues should lead to a satisfactory vigilance, not to be tempted to seek profit by the desire to overdo it. Rational analysis should be made to conclude that the factors in all aspects find a balance between income and risk.

? The Internet has spawned many occupations where risks and criticisms, surpluses and opportunities coexist. The risk of peer-on is driven by a desire to go beyond itself in order to increase the speed and level of professional development, as well as the blind intention of the investor to benefit. But do not forget that its essence is financial, is the financial form of different products. At the beginning of the birth is to assist some can not go through the bank or offline Gaodai way to obtain Gaodai, the company, the project through the Internet channels to collect funds to complete the rational flow of money. Half the ice and half of the flames are performing in the Internet financial circle.

How to deal with the double days of ice fire in peer industry?