Dance on the tip, watch the Wind control and exhibition tricks of Peer-to-peer Company

Peer-to-peer companies to "the", the situation is still quite grim. On the one hand, the rapid rise in the stock market, so that peer-to-peer investors began to pull away from the funds turned into shareholders, because both are risk-oriented, overlap is very high. On the other hand, the borrower's default rate is also on the rise. There are reports that on December 2, there are love net loans, handle loans, poly-rong loan, Yi Yuan Loan, is the best create rich, Tengxingahua, June Mao Wealth, Jiang Cheng Loans 8 peer-to-peer Network loan platform burst out of the running, lost, or difficult to mention, or limit the problem.

I always believe that peer-to-peer industry must undergo a big shuffle, because the current state of the industry is too messy. In the shuffle has not come before, in today's grim situation, we comb some Peer-to-peer company's wind control and exhibition industry tricks, will find that they are still hard to fight. Who can escape the winter of the future? The listing of Lending Club shows the bright prospect of Peer-to-peer, "The Remnant is king" is not only the rule of stock market, but also the rule of peer-to-peer domain.

Boundary of the Wind control

In traditional banking, wind control and exhibition industry is always a pair of contradictions, such as supply chain finance why once very hot? Not just because you can bring large customer deposits, as for the authenticity of information, in the wind control level is often overlooked. Peer-to-peer Network loan platform with financial attributes, nature should also balance the contradictions.

Although there is no specific regulatory provisions, but peer-to-peer companies from the public saying is limited to the platform of pure information, if so, the pressure of wind control will be much smaller. In fact, peer-to-peer companies in order to show the industry is difficult to do not be hard to honour, wind control is necessary to do a good job. In the current situation, the real use of large data for wind control of peer-to-peer companies are rare, more on the edge of regulation to maneuver. Below, take a look at several common practices of wind Control:

First, the priority mode of reimbursement. This model is mainly used for purely online peer-to-peer lending platforms, such as racket lending. A PAT loan introduces a "principal guarantee scheme". Investors who enjoy the program first have to pass the status certificate. The second is to successfully invest more than 50 loan lists (multiple bids on the same list are considered once). In addition, the successful loan amount of each loan is less than 5000 yuan and less than 1/3 of the list loan amount. After satisfying the above conditions, if the total amount of bad debts that satisfies the list of conditions is greater than the total amount of the proceeds, the racket loan will pay the difference within 3 working days.

These complex rules in fact, the vast majority of investors in the door, there are users spit in accordance with such restrictions, can not achieve the principal guarantee. Pat Credit started earlier, but the development is very slow, precisely because its pure meaning of the net loan platform is not in line with China's national conditions, investors face greater risk. Like a racket loan. This preferential mode of compensation can be understood to some extent that the boundary of wind control is very tight, so the exhibition industry will face great problems.

Second, the risk of petty cash model. This is a lot of peer-to-peer companies to adopt a way of wind control. That is, each loan transaction, the withdrawal of a certain percentage of the amount of money into the "risk funds" account, the occurrence of serious delays, the provisions of the "risk funds" to the investors to advance the loan of the remaining loan principal and interest. Everyone lends is a model in which the "preferred financial plan" has been introduced before, akin to a pattern of pools of funds, investor purchase schemes, automatic bidding to borrowers, and the use of funds for recycling.

This model of the risk of petty cash, not only to avoid the suspicion of platform security, but not blatant to do the pool of funds, and funds can be recycled, so many peer-to-peer companies are willing to take this approach. In fact, the British Zopa is also such a model, this is not Chinese characteristics. Of course, this kind of wind control mode can not be separated from the field investigation under the line, otherwise, when the bad debts increase, the petty cash is not covered, it is facing great risks.

Third, the guarantee mode. This model is really on the edge of regulation, often seen in some excessive pursuit of expansion speed of the network loan platform, Red Ridge Venture is a typical example. The target of the Red Ridge venture capital is generally a large amount of borrowing, so the borrower will be required to introduce the guarantor, and when the loan is overdue and bad, the Red Ridge Venture and the borrower's guarantor will advance the principal and interest to ensure the safety of the funds.

In addition to the Red Ridge Venture, Lu Jin is also taking a security model. It should be said that this model for Peer-to-peer companies in the exhibition industry is advantageous, but this has deviated from the original intention of the Peer-to-peer. Therefore, Lu Jin will be constantly shouting to guarantee, and Red Ridge venture will occasionally appear huge pay, hidden risk is huge.

Iv. transfer of creditor's rights and risk petty cash model. The typical representative of this pattern is naturally a letter of desirability. The letter of credit should be divided into a combination of debt, packaged into a fixed-income products, and then sold to investment banking customers. It takes a pool of funds, a many-to-many pattern between borrowers and investors, which can spread risk. In addition, it also adopts the guarantee of repayment risk, and there is the possibility of using the interest rate difference between the borrowing interest rate and the financial plan yield to advance the bad debts. The transfer of creditor's rights and the risk-fund model is questionable, but it cannot prevent the rapid development of the letter and the exploration of large data wind control.

The tricks of the exhibition industry

Many of these wind-control models can be found on the brink of regulation. Because the borrower's credit record of Peer-to-peer company cannot be incorporated into the central bank's system, it must be "tightrope walking" in the wind control end. In the exhibition industry, when the stock market to go cattle, peer-to-peer companies also face great pressure, have to attract investors and the pattern.

The Peer-to-peer companies that rank relatively close to each other have their own financial plans. For example, the U-loan program is defined as a convenient and efficient automatic tendering tool. Users to meet the requirements of the object of automatic bidding, the repayment of the principal within the corresponding period of automatic return, the end of the period U plan will be transferred through the transfer platform for all loans to withdraw. For example, the Rainbow Project, investors can enjoy 100% principal and interest protection, can carry out seven different investment period of choice, investment funds will be dispersed through the automated trading system to all assets in the portfolio. And the beneficial net is called "Million Life Plan", point melts the net to have a "round to make money". Although the name is different, but essentially the same, are designed to attract investors and the design of low risk High-yield products, the general annual rate of return is around 12%, and protect the principal and interest.

Whether wind control or exhibition industry, peer-to-peer companies are hard to fight. I think, peer-to-peer industry is the most severe time has not come, or the words of the vulgar words-"Do not forget beginner, always", did not form the core competitiveness, do not follow the nature of business, any company can not go far

Source: Gold Rating Media

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