Don't let the Peer-to-peer loan repeat the credit card tragedy.

Wen/Sunshine Baoli Market Research Department of the Shanghai family of three because of the inability to repay the more than 500,000 credit card bills and burning charcoal suicide, involving more than the banks due to excessive credit by the CBRC was sentenced to a total of 2.4 million yuan fine. Although this incident is a solitary case, the introduction has sparked a whole society's concern and discussion about the potential risks of credit cards. Credit card Industry and peer-to-peer industry is not directly linked, but it is noteworthy that the bank credit card and Peer-to-peer personal loan credit has a lot of similarities, and most of the current Peer-to-peer platform for personal credit audit is an important indicator of credit limit of its credit card. Sun Bao Li Market Research department that the current credit card industry exposed problems, is to be in the booming stage of the peer-to-peer industry raised a wake up.　　Therefore, do not forget credit card before, can do peer-to-peer loan business is. Nevermore: The user is too concentrated, the risk is magnified at present, China's credit card issuance volume has more than 400 million, according to the official algorithm, the Chinese are holding card volume of 0.36. But in fact most Chinese residents do not have credit cards, and from internal research data, Real Chinese credit card actual user per capita card volume is about 2 to 2.7 Zhang, in the case of bank card issuers generally do not adhere to the rigid deduction principle, we can think that the total scale of the actual credit card in China is equivalent to at least twice times the size of the letter should be granted. Sun Bao Li Market Research department believes that this situation undoubtedly from the structural level of credit risk magnified twice times. Peer-to-peer industries have such problems, there is a platform of excessive credit issues, there are multiple platform long credit issues, as in the last month, fruit finance and love investment in the collision, although the final issue was properly dealt with, but this incident is only the tip of the iceberg, in the public view there are a lot of similar problems exist,　　But the risk has not yet completely burst, and has not aroused widespread concern. Nevermore Two: The credit audit index and the modern society is not enough match after the suicide of charcoal burning, the media began to torture the bank's credit system, how to give a person who has to commit suicide because of inability to pay such a large amount of credit? Sun Bao Li Market researchers believe that, in addition to the long credit problem, there is another factor is that the bank's credit card evaluation index is too simple machinery, only to provide bank water, real estate certification and other information will be able to obtain more than 50,000 of the credit limit. And no one denies that regardless of any industry, the letter of the work should be to the simple, fast direction of development, but simple does not mean that can be crude, fast does not mean that can be rough, the current social situation in China and more than 10 years ago has been completely different, personal assets transfer speed significantly faster, The personal financial system obviously has greater risk and more uncertainties, in this case credit card letter audit system for almost more than 10 years, still take a simple method of static property audit, perhaps the user in the application for credit card on the day he has more than 1 million deposits, this user seems to have good credit conditions, However, the next day the user put the money into the stock market, futures and other high volatility of venture capitalfield, it is possible to lose everything, but the bank still credits its millions of deposits, which is no doubt unsafe and unscientific. At this point the Peer-to-peer industry does a relatively good job, the credit card is widely used in the banking center, which is worth proud of.　　Sunshine Baoli Market Research Department believes that peer-to-peer industry should learn from the lesson is that the system must be constantly updated to adapt to the social development, to the greatest extent possible to guarantee the quality of the letter, otherwise, a few years after the Chinese residents to change the status of asset transfer, Peer-to-peer industry will face greater risk. Nevermore III: Loan flows to more than 500,000 of the loans that the victim of the unknown risk of burning charcoal-burning suicides cannot repay, is because it applies the loan to the high volatility market of investment futures, as well as the news that credit card users use interest-free periods to invest in peer-to-peer markets after they have been put on credit cards. The risks of investing in these relatively risky markets with credit borrowing need not be discussed. If banks monitor their capital flows and find that they are not used for personal consumption but for risky investments, can they temporarily freeze or reduce their credit lines? At this point, sunshine Baoli market researchers are not attacking the bank in this incident did not do a good job, we are very clear monitoring of all credit card funds flow is an impossible work, but for Peer-to-peer industry as a guide, although the banks to monitor all the use of card funds flow is not realistic, But Peer-to-peer platforms are relatively simple to monitor borrowers ' borrowing use. Not only in advance of the trial, but also to strengthen monitoring after the borrower, monitoring the use of loans, if it is a mortgage, monitoring its collateral changes, such as damage, depreciation, is sold and so on. What are the mistakes banks have in burning charcoal and suicide? What responsibilities should be borne? These problems are the CBRC's research and decision, as private organizations and individuals, we can only be harmless or malicious spectators, China has 1.4 billion people, there are 1.4 billion values, there are 1.4 billion kinds of justice, so it is not meaningless to discuss the whole event. Sun Bao Li Market Research department that we should do is just the bank credit card business Research model, reflective peer-to-peer industry letter audit work itself, mistakes Wuzegamin. Nevermore is, do not let the same tragedy in this industry repeat, let Peer-to-peer road to go more flat and further.