Everyone lent to the racket to get mad Rob, actually want to take off the gray coat

The second a tired (micro-credit public account: Aleishuo)

Recently, Peer-to-peer network loan platform for everyone to be the Tencent purchase to spread the network, and quickly set off Ali 35 million U.S. dollars to invest in the tide of investment racket. Only in a flash, it was dispelled by "pure rumors".

However, I think that everyone loan and Tencent to engage in investment matters have 90% possibilities, but the details we all understand that big companies like to play means, less than the last moment will not be disclosed, and perhaps negotiations have not yet entered the actual stage--but, this message does not hinder everyone loans, Pat Credit and other Peer-to-peer network loan occasion speculation, Raise their own value, in order to be in the investment sector can run into Bole, to save their own.

So, a lot of people will wonder, Peer-to-peer net loan why to save oneself? Don't worry, before talking about the rescue before tired elder brother said the origin of Peer-to-peer.

China's Peer-to-peer network loan platform, such as everyone to lend, Pat Loan, Cheong-net, letter and rich, etc. are imported products, but are imported products. First, their predecessor is the United States Lending Club (loan clubs), its loan club refers to the banking organization to coordinate a number of member units to participate in accordance with the unified signed bank-enterprise agreement, according to the agreed terms of loans, deadlines, interest rates, etc. to specific credit conditions, A growing but temporary financial difficulty in sub-health enterprises and individuals to provide financing methods.

From the above we learned that the loan club is from the United States, affected by its national conditions, the foreign loan industry in the field of operation will be a lot of freedom, and it is organized by the bank, and the public access to its loan users http://www.aliyun.com/zixun/ Aggregation/6542.html "> Credit information (in this statement, the foreign credit is open, can supply the enterprise to use. ）。

But China's peer-to-peer is different:

1, it is in China, to comply with China's laws and regulations, which restricts the scope and rights of its operations. Can only be based on platform services;

2, China's Peer-to-peer Web site so far no bank joint private enterprises (here, apart from individual local commercial banks directly leading the loans) dominate Peer-to-peer network loans, at the same time, so far there is no official recognition of the situation, so its identity is very gray, irregular (there is speculation in the future, if the peer-to-peer can have a bank credit binding, Then it will be as popular as credit cards. ）；

3, the State has not fully opened the Chinese user's credit system (expressly, to apply for the credit system must have a certain qualification), can only be the user to the bank for credit qualification and then submitted to the Peer-to-peer site, due to cumbersome conditions and links complex, most users are lazy to handle. In the absence of reference to credit standards on the basis of Peer-to-peer site wind control is very dangerous, and in order to make up this piece, most of the site is to find internal staff to conduct wind control audit, so that there are large-scale non-standard and a large number of vulnerabilities occurred.

Based on a variety of restrictions, China's Peer-to-peer network loan platform can only smear a ball, wandering in the gray area. Below, tired elder brother takes you to pick up clothes.

First, the wood has the licence funds clearing and settlement exclusive control

Take Pat credit for example, it is currently known as China Peer-to-peer Network loans, the largest home by the industry as a Peer-to-peer network credit sector ranked first platform. But in the first place, its user capital risk is ranked first, the flow of billions of dollars a month, basically no security.

It is well known that none of the current peer-to-peer platforms has been supervised by an official mother, nor has the official father given a gold medal. So, Pat loan in order to avoid user query, choose and Alipay, such as third-party payment platform for cooperation, the United States that this is the third party platform hosting. However, according to the laws and regulations, tripartite payment agencies do not have the right and obligation of the user's funds to regulate, control, only a pure service clearing platform.

But the user does not know, be "recharge after successful funds will be transferred to your personal account immediately." The remark was induced. In fact, the user's money is only in the film on the website of the personal account on the display of a number, the real money has been deposited early in the company's accounts, not at all Alipay company and the user's personal Alipay. Do not believe, tired brother let you see.

(Watch out, three-party payment agencies are the big shot level)

(See clearly?) It's written in three-party escrow and funds to personal accounts.

(dumbfounded, the payee is a pat credit Alipay)

(dumbfounded!) I really saved the money in a Pat Loan account.

(no words, you are in the racket loan site shows a sum.) ）

To put it bluntly, the user's money clearing is made by the racket loan to the exclusive control, and from beginning to end those so-called "three-party platform hosting" "Funds transferred to your personal account" are deceptive fairy tales-funds clearing by Peer-to-peer Network loan platform to control the problem easily, once the Peer-to-peer network loan platform appears capital turnover deadlock , the net loan enterprise can completely in the situation that does not know the user to be able to deploy at any time, even appears the phenomenon that rolls money to run. You do not feel tired elder brother said exaggeration, these are the case exists, is also the blood lesson.

Here add an extra words, here is not a malicious attack racket loan, just casual examples, in fact, in addition to the individual network loan platform to implement the clearing separation, 99% of the net loan platform and Pat loans, like the control of the user's funds.

Second, the wooden licensing of various financial plans flying

No parents pipe Peer-to-peer network loan platform, the best way to profit is to take the initiative, the introduction of "financial projects." At present, more than 70% of the net loan platform has launched a financial project, the momentum of the mess. It's just that when there's a lot of time, people don't find a problem, do not have a license to the net loan private owners can be like a licensed fund companies to do financial projects? The answer is no, they are completely ineligible to do financial projects. Just want to earn a living, so very clever they also drilled a loophole, began to make a fuss over the words. In order to differentiate with the fund company's financial products, most of the network loan platform's financial projects are called financial planning, financial online and so on, a word of the difference makes you invulnerable.

For example, in the beginning of the year, it launched a project entitled "People's Credit scheme", which ranged from 2 million to 5 million per cent, and expected annual earnings to includes. Content and fund companies launched the same financial products, is it not a wealth management products?

Now, everyone loan has been carried out to the 44th phase, if the figure of 2 million per person, 44 period for everyone to the conservative estimate is 90 million yuan, such a large number can not make people speechless!

Behind the shock is not jealousy but panic, the user is not afraid of these unlicensed private network lenders with money to escape it? Perhaps in the interests of the user can only be dazzled.

In fact, we do not know, everyone's preferred financial planning is a future investment financing projects, that is, the plan is to raise money for everyone, and then to look for people who need loans. Instead of people who have a loan, they look for money. In the form, the preferred financial plan for all loans is suspected of illegal fund-raising, but the means is not the same.

Conclusion: Tired brother to express the meaning has been waved out of the--P2P Network loan platform in the absence of official recognition and substantive promotion of the process, in order to be able to take off this layer of gray coat, the last chance is to find Alibaba, Tencent, such as large enterprises with payment licences to do the backing, stand up, Aboveboard alive.