How to avoid the "Step on the Thunder" coup

Peer-to-peer, the brutal growth in the 2014 industry, the past year has encountered a lot of "criticism."

NET loan home data show that 2014 net loans amounted to 252.8 billion yuan, Is 2.39 times times 2013, as at the end of 2014, the total number of platforms for 1575, according to the net loan days of statistics, November 2014 to date 3 months, the problem platform up to 224, 2013 years of the whole Year 3 times times, and the problem platform is still high frequency to appear.

3 Months 0 Days 224 problem platform, about the total number of Peer-to-peer platform 15%, "Step on the Thunder" probability is not high, this is now talk about Peer-to-peer color change one of the reasons. Meanwhile, "can peer-to-peer still be cast?" "The sound gradually, however, the net loan home statistics show that, although the problem platform is continuous, but the peer-to-peer turnover did not see much of the decline in January 2015, the net loan industry volume amounted to 35.782 billion yuan, although the chain slightly down 3.49%, compared to January 2014 3 times times, can be seen that the funds are not really scared back.

Since there are so many people in the cast, then how to "lightning" is a serious and important issue, from the last few months since the collapse of more than 200 network loan platform comprehensive analysis, to avoid "step on the Thunder", in the following areas to eyes:

First glance: Recharge.

Investment Peer-to-peer Network Loans, the first to recharge, and recharge network loans are not generally imagined the money through Third-party platform "brush" into.

There are several types of recharge, one is the offline recharge, that is, investors to the money through the net, Alipay to the platform to provide the bank account, the owner of the accounts is generally a platform of legal persons, the platform after receiving the account information, and then to investors in the net Loan account to enter a fund, This money is usually the investors through the net or Alipay transfer out of the money plus the platform for additional online recharge incentives, generally 1.5 per thousand to 2 per thousand awards. In other words, you from the net silver or pay treasure to turn out 10000 yuan, to the account after the platform to your accounts to hit 10015 yuan to 10020 yuan. In the recent problems of the platform, there are a lot of online recharge. Where does the money go when it hits the platform legal entity's account? Did you give it to the borrower? These need to be called a question mark.

The second is credit card recharge. The credit card is originally the bank according to the credit limit of the card holder, give a certain interest-free period of consumer credit. But in recent years the problem of credit card is not uncommon, credit card recharge network is also one of them, in the recent problems in the platform, almost all platforms have 1 months of borrowing target, and even some platforms have 10-15 days of net worth of loans, and credit card interest-free repayment period is generally around 30 days, that is to say, Investors can use the hands of the credit card "Empty gloves White Wolf". Almost all of the more than 200 platforms that have closed in the last 3 months can be recharged with credit cards.

With credit card recharge network loan platform gradually aroused concern, this approach is gradually tightened. If a number of third-party payments gradually close the credit card recharge channels, the bank's credit card and one-day payments gradually tightened, and the recent emergence of a Wenzhou platform is thus fined, once this approach is no longer unblocked, those because of "card clan" and the popular platform, there may be a run and face a sudden decline in sentiment situation.

Second glance: interest.

Although all is called Peer-to-peer, but each platform gives the investor the interest to be different, the low year 6%, 8%, the high 30%, even individual achieves above 50%.

From the recent emergence of more than 200 problems platform, generally give investors more than 20% of the annual interest, especially in the recent problem platform concentrated in Shandong Province, the annual interest in more than 25%. The platform's interest calculation is also quite special, the general set of interest will not exceed 20%, the rest through the award, such as Qingdao, Shandong, a problem platform, March, the annual interest rate of 20%, the bid directly issued 3.3% of the reward, that is, the comprehensive interest of 33.2%, the platform in operation 2 years after the announcement, Too late to pay investors ' cash.

Investors about 30% of the income, plus the platform, the borrower's cost of about 50%, in the current economic situation, how many enterprises can withstand more than 50% of the financing costs? Platform also blushes: this is the private lending, that is, usury on the line. But the platform will often state that a single borrower's borrowing ratio, as well as the proportion of its financing does not exceed a certain proportion, control two of loans and so on. It's just that commitment does not mean doing so.

So, try to stay away from the high interest platform, if you really can't control the temptation to high interest, so much to look at the platform borrower information, especially the first few borrowers, their loans accounted for the total number of platform loans? (More than 3% is prudent), how much of their borrowing accounts for their total financing?

Third glance: Trusteeship and guarantee.

Most of the domestic Peer-to-peer platform is committed to 100% guarantee, and in the near future more than 200 problems in the platform, all promised the principal and interest of 100% guarantee, all the commitments, that is to see. Some of the recent problem platforms have been secured by security companies. However, most of these are disguised, after the escape, investors traced to the guarantee company, found either the platform itself or the insider registration of the "shell", or the guarantee company itself is also at stake.

So, if the platform said there is a guarantee, then it is best to have a reputation in the industry guarantee company, if the platform to run, there will also be a cushion back.

Regarding the fund trusteeship, has been the topic which the Peer-to-peer profession hotly discusses. Some people think that the trusteeship agency does nothing, lying on the money, increased the cost of the platform, but have to say that there is a third-party hosted platform, at least the funds will not fall to the platform control staff, although not to avoid the failure of many of the results of the collapse of the platform, but at least fraud and the integration of the platform can filter out.