Indus feeling, it is the current Peer-to-peer platform of the Run Tide

"The speed of the present is to pour out a house every day. "Shanghai Peer-to-peer Network loan Investors Indus (alias)," I put the money scattered to a number of platforms, the results of most of the accident. ”

Indus feeling, it is the current Peer-to-peer platform run tide. Following last month's wave of Peer-to-peer platform closures, after November, the bank investment, every household loans, universe loans, Baofeng Chuang, Pengcheng loans, copper and other Peer-to-peer network loan platform is also caught in the difficulty of cash, and these issues peer-to-peer are expected to yield higher, low investment threshold and other commonalities.

According to the reporter survey, the current continuous spread of peer-to-peer honour turmoil, in addition to the issue of peer-to-peer operation itself, but also with the "net loan Group" model and some investors "decentralized investment" related. At the same time, there are some peer-to-peer platform between the mutual borrowing phenomenon, and these problems have led to many Peer-to-peer platform runs "chain reaction."

At the same time, the above Peer-to-peer platform in response to the crisis has also taken a different strategy, and some of the stop operation and payment of Peer-to-peer platform has been reported by the public security departments for investigation.

At present, most investors gather in the network, offline platform to carry out rights issues. Due to the lack of corresponding regulatory departments and regulations, some investors are confused about the way of protection.

Emergency response

Reporters found that a number of peer-to-peer companies this month into a run or difficult to honour, and these platforms have been announced through the solution, deferred repayment, suspension or limit to the present, discounted the sale of debt and other ways to deal with.

Among them, some Peer-to-peer platform chose to negotiate with investors to reach a settlement plan. October 21, a peer-to-peer platform called "Changzhou credit", located in New Bei District, is difficult to come by. November 5, the platform to investors issued an apology announced that the platform will assume the full interest of investors, the money will be divided into 5-6 months to pay off.

"We are afraid he gave everyone Gao, just at the beginning of the group commitment within 2-3 days to solve the problem, then there is no letter." "Huvan Credit investor," said, "the site went to the investors, he also issued a notice every day to guarantee to 2000, the result of the first day only gave more than 20 people, starting from 21st to deal with less than 200,000. ”

Industry and commerce data show that Hui Bao Credit legal representative for the stone Xingguo, registered capital of 5 million. According to Huvan, Shi Xingguo for 80, only 25 years old, in Hangzhou, a "love loan Net" peer-to-peer company work.

Coincidentally, November 4, Hui Huang Wealth on the debt to be collected and investors to reach a solution, on the same day, Baofeng Venture announced the investor's solution plan, and said that the account under 10,000 yuan may be "not to continue to reflect directly"; another peer-to-peer "bank investment" that has been honoured The operation team issued a statement to investors that the company's lack of industry experience led to poor management, decided to suspend business from November 5 to enter the debt liquidation process.

There is also a peer-to-peer approach to deal with investors ' claims due to overdue payments or a postponement of the presentation.

The company is located in Shenzhen "Pengcheng loan" has adopted a limit to honour the way. November 4, the platform issued a notice, said due to a number of overdue, the platform decided in the November 4-November 10 period, in accordance with the application of the timing of the order of the cycle limit, the limit of 50,000 yuan per person.

It should be noted that the amount of funds involved in pengcheng loans or greater, according to the platform website Information shows that the investment amount of the top 10 people's total investment amount has been over 200 million yuan.

And another Liang cast of the Peer-to-peer platform also announced on November 5, because the platform for major shareholder replacement (from "Liu Qijun" changed to "Qianguang"), need to check the amount of money with investors, November 5 to 11th not to deal with the request.

In fact, Qianguang itself is already one of the Liang shareholders. Its website information shows, all Liang investment (Nanjing All Beam Financial Information Service Co., Ltd.) by the Qianguang, Liu Qijun two shareholders, and by Qianguang's enterprises-Jiangsu green Flowers and Trees Co., Ltd. to assess the price of nearly 108 million Yuan Lin warrants for all Liang investment to provide principal and interest protection.

"It's just a way to deal with a peer-to-peer run," he said. "One investor close to the two companies said," It's hard to say if it's going to happen in a week, and then we all have to talk about it because we're afraid of getting caught up in it. ”

In addition, there are copper loans, every household loans, such as Peer-to-peer platform due to be unable to mention by its investors reported, has entered the investigation procedures.

The dilemma of collective rights

The location of the Peer-to-peer platform is different, why at the same time node-intensive outbreak of crisis?

Reporter survey, this and most online investors "group model" and "decentralized investment" is not unrelated. That is, when a peer-to-peer issue arises, the net loan group and the investor also withdraw their net loan investment from other platforms, which will create a pressure on peer-to-peer.

"Regiment Mode", refers to some retail investors through as "head" of natural people to organize, set synthetic Peer-to-peer network loan Investment Group, at the same time in a number of Peer-to-peer platform.

"The head of the network to contact everyone, and then let everyone gather to invest some peer-to-peer, and these platforms are relatively high returns." "Huvan told reporters," The colonel is responsible for looking for a platform, and through these heads, can get a hand message, but also can get additional rewards, but the colonel can also get kickbacks from the platform. ”

"The regiment is sometimes operating on the platform's capital requirements, some platforms lack of money, paid to the head of some commission, and then the Colonel to help release the project, and finally everyone voted this site." "Huvan said," a group to cast several platforms, and several accident platform may be from the same group of funds. ”

In addition, investors have chosen to diversify their investments. "Originally thought such risk is small, the result throws several platforms these days all stepped on the Thunder." One investor complained, "I had a hunch that something was going to happen to the other platform and it just came out. ”

On the other hand, some peer-to-peer platforms are also connected with each other. According to a reporter obtained a copy of the Hui Huang Wealth Solutions show that the Hui Huang wealth there is a sum of about 23 million to collect items, the borrower Chen Yugen, and the person for the local another Peer-to-peer "copper loans" in charge.

Hui Huang Wealth and copper are both located in Anhui Tongling, and these two peer-to-peer appeared to mention the difficult time before and after only two days difference. According to people familiar with the situation, copper has been loaned and Chen Yugen has been filed by the local Public security department.

In fact, in part of the problem Peer-to-peer platform "deadline mismatch", "advance funds" and other chaotic operation mode, coupled with the "net loan group" and "decentralized investment" model and Peer-to-peer platform between the mutual borrowing phenomenon, undoubtedly let this kind of peer-to-peer platform risk to other platforms spread, leading to a chain reaction, and thus lead to a greater difficulty in cashing in.

And as a result of the above Peer-to-peer investment threshold of only 50-100 yuan, and does not need to carry out qualification audits, so involved in a large number of investors, and most of the current investor in the "net loan base" and other public forums to form rights groups to discuss rights issues.

However, due to the lack of corresponding regulatory authorities and regulations, most investors are slightly confused about the way to safeguard. Even some investors expressed remorse for the report.

"Sometimes it is very contradictory to report or not to report to the police, but some net loans may be killed by the report of the investors." "The Indus complained," not to report fear into the Force of Heaven (Days Force loans), the funds are transferred, the report and fear of becoming home loans so that even the final negotiations may also be blocked. ”

"But if these platforms do not return money, in addition to reporting and petitioning, can not think of other ways to solve." "Indus frankly.