In recent years, internet finance is a breeze, in addition to the balance of treasure as the representative of the "Baby" type of monetary Fund, peer-to-net loan is in full swing, according to the net loan home is not fully statistical, as of October 2014, the domestic large and small peer-to network loan platform close to 1500, Such a strong momentum of development has also attracted the participation of internet giants, such as Sina micro-wealth, Sohu search Easy loan is the internet giant's intervention in peer network lending typical case. However, with the peer network loan frequent accidents, which also give the Internet giants to intervene in peer-network lending sounded a wake-up call.
Zhonghui Online Thunder, Sina Micro Wealth in Lei
Recently, Shenzhen-peer platform in the online "Thunder" in the network of loans to blow up the pot. The high amount of the platform to be collected, involving many investors, has attracted the attention of the industry. It is worth mentioning that with the Sino-Hui online cooperation agencies Sina Micro Wealth, financial channel also have "in thunder". Among them, Sina micro-wealth and Zhonghui online cooperation launched two products------"Hui Ying Bao" or "pp cat foreign Trade loan", which means that Sina micro-wealth to buy these two products investors may suffer a large loss.
It is worth mentioning that, "Hui Ying Bao" after the accident, micro-wealth has its own name from the product introduction quietly deleted, it seems to be deliberately shirk responsibility, clear relations. However, investors do not recognize this, in their view, the reason why the purchase of the Hui Ying Bao or pp cat Foreign trade loan is a fancy Sina endorsement, feel safe and reliable, now appear this matter, Sina micro-wealth should certainly be a certain compensation for investors. So should Sina's micro-wealth really compensate investors? What is the way to compensate for the loss of investors?
should Sina's micro-wealth compensate for investor losses?
To be sure, in this farce, Sina's micro-wealth is also the victim, although investors may suffer financial losses, but the reputation of Sina micro-wealth loss, which is much more important than money. Therefore, in my opinion, Sina micro-wealth should be allowed within the scope of appropriate compensation for investors to recover the loss of reputation. At the same time, micro-wealth should be actively recourse to Zhonghui online, to claim compensation for losses.
Of course, the proportion of compensation, because it is unclear how much profits Sina micro-wealth in cooperation, it is difficult to draw conclusions. If the micro-wealth in the listing of two products have a certain proportion of the share, which means that micro-wealth is not only a third-party platform, more like shareholders, should be divided into the proportion of investors to compensate. If the micro-wealth is provided only as a platform, and does not take a certain proportion of the share, the proposed micro-wealth or investors to compensate, such as compensation for 10% or 20% of the losses are OK.
What are some of the issues that Internet giants are getting involved in?
So, there is still some risk to internet giants intervening in peer-to-peer lending. Therefore, more Internet companies are still reluctant to penetrate the field, at most, just for the peer-network loan platform to fight advertising. If only to provide advertising services for peer network lending platform, search services, the author believes that even if peer-network lending, internet companies do not have to take responsibility. On the contrary, if the Internet enterprises to and peer-network loans in-depth cooperation, such as the use of their own platform for peer-network loans to provide product sales channels, then the problem is troublesome, if peer-to-net loans, internet companies will stall disasters.
So how do you solve these problems? In the author's opinion, if the internet giants want to get involved in peer network loan, it is best to set up a team to do, do not and third-party platform cooperation, especially without strength, no visibility, not professional peer-to network loan platform, so the risk can be completely self-control.
In addition, if you really want to work with peer-to loan platform, we must conduct a comprehensive, in-depth investigation to ensure that its model is reliable, risk controllable, to minimize risk. Moreover, the investor must give sufficient risk hint, cannot use own prestige to make the guarantee, so even if the accident, oneself also has the leeway. In addition, before in-depth cooperation, the Internet giants are advised to levy a certain amount of margin on the peer-network loan platform, so that after the accident can use this margin to compensate investors for losses. Of course, since the margin cannot be 100%, it is impossible to avoid the risk, but it can play a role in reducing investor losses.
To be sure, the future will have more peer network loan platform, so the internet giants must be cautious to intervene in this area, at the same time, we also call on the national authorities to introduce effective laws and regulations, to standardize the development of peer network loan industry. (Wen/Wangyi see qq:543415188)
The potential risks of internet giants ' involvement in peer-network lending
