P2P platform collapse and running events appear frequently

Each journalist Zhu Dandan came from Beijing

In recent years, with the continuous innovation of Internet technology, P2P industry in our country also usher in explosive growth. It is worth noting that although the rapid development of P2P has brought fresh vitality to the financial industry, the chaos caused by this has also drawn great attention from regulators and the industry.

Especially since October last year, P2P platform failures and outbound incidents frequently appear, and investors are also aware of the possible risks that P2P platforms may have. At the same time, some P2P platforms also have big business models and have started to play stock and futures business. So how does this work? What are the potential risks? Recently, the "Daily Economic News" reporter conducted an in-depth investigation.

Although P2P lending platform experienced an explosive growth last year, this year there are still new platforms emerge. At the same time, with the growth rate of P2P platform each other, P2P platform, new business model also emerge one after another.

Recently, the "Daily Economic News" reporter learned that some P2P has taken the capital (stock and futures) business model, that is, through the online application, the borrower with a small amount of own funds to make the principal, to the platform to borrow money from the wealth managers Gold several times (in accordance with a certain proportion of funding) funds, all of these funds into the platform designated account.

Then, the borrower as an investment trader, the operation of the funds, but can not be withdrawn. When these funds lose the principal of the borrower, that is, the borrower's own funds minus all the losses after the interest, the platform will open this account, the platform will be the remaining principal and interest back to the financial investors.

Seemingly more reasonable, but the reporter noted that with capital (stock and futures) this P2P platform business model, there have been "running way" phenomenon.

Many insiders pointed out that this business model will have the following risks. First, participating lending funds need to be remitted to the stock account of the actual controller or affiliate of the distribution company, and the capital will be at risk of being appropriated at any time. Evolved into illegal fund-raising. Second, the current forced liquidation disputes more. Finally, the equity funding itself is in a gray area of ​​law.

Several platforms to provide funding

With the rapid growth of the number of platforms and transaction volume, the P2P platform model began to split in 2013. Different platforms adopted different borrower development, risk mitigation and investment product design solutions based on their own characteristics and their understanding of P2P lending business. Among them, the stock or futures-funded model quietly rise.

Recently, the "Daily Economic News" reporter noted that winning in the investment, loan the future, Qiancheng worry, and several other P2P platform with loans are used by the stock, futures investment business model.

Win in investment is the country's first peer-to-peer P2P platform (P2P investment industry leader), is a number of certificates