Peer-to-peer Network Lending I spit a little bit again.

Second A-tired (micro-letter: Dieralei)

The word "internet finance", with the help of Jack Ma and Ma, seems to be louder this year. At the same time, the original audience of the narrow peer-to-peer network lending has gradually surfaced to be known to the public. But the surface of the bubble is not the real fish-according to incomplete statistics, as of early November, including the Oriental venture, Yu-Tai Wealth, Ikea, every household loans, Zhejiang Merchants 365, silver real loans, Sichuan credit, the force of the venture, Wanli venture, surplus Qualcomm loans, Fu Xiang Chuang, Huaqiang wealth, net win the world, mutual help loans, sky loans, Public Credit network, copper loans, Hui Huang Wealth and other network loan platform have issued a notice of deferred payment.

Example: October 30, the network loan platform, Oriental Venture launched a letter to investors on its website: "You investors good: due to the recent problems in the company's operations, the company management is actively seeking solutions." Mergers and acquisitions are currently under way ...

Deferred payment may also be a plausible manifestation of some peer-to-peer Web site in the announcement of the postponement of a few days before the direct declaration of bankruptcy, resulting in a large number of users of the interests of damage, and some even the principal is not fully received. So, what is the reason why so many peer-to-peer sites appear bubble swelling phenomenon?

In fact, before this, tired brother wrote a few articles, "The cottage" rampant, monitoring the damage to the network credit industry "Good credit network closely follow the pace of the failure of the credit network of Peer-to-peer network lending how to monitor?" "Peer-to-peer Network loan industry dirty, has had to tube, have to govern" ... Illustrates some of the dangers of peer-to-peer, yet it seems only a handful of people are paying attention to the large crowds roaming the 20% annual interest rate. Despite this, I would like to restate the idea of Peer-to-peer.

1, knowledge of peer-to-peer network loan dirty

Poor

Internet technology is poor, porous, careless client funds slipped away;

Risk control is poor, a simple electronic protocol can not guarantee the security of the user's funds, but long-term cause investors to accept the debt;

Financial security is poor, users do not have control rights, at any time to worry about the flow of funds;

The management system is poor, the insurance marketing Way, the collection company's service pattern and so on.

Mess

Entry of the chaos, any one can enter the Peer-to-peer network loan industry, there is no technical content;

Pattern of chaos, Taobao input Peer-to-peer Network loan template, 20, 60, 80, 100 yuan and other templates are countless, there is no intellectual property, a little gold is not;

Content of chaos, casually ran to a slightly larger web site copy text, paste to their website, sometimes even the company name is not bothered to change, you say chaos?

......

(attached: In other words, a hardware seller, opened a website, and then went bankrupt)

Dirty

Illegal fund-raising suspicion, all investors and borrowers of the money is not controlled by their own, but the enterprise control, are illegal fund-raising;

Money-laundering suspicion, the line of informal funds through the network aggregation, and then find some identity cards, thus beginning to diversify investment, out of money laundering;

MLM Suspicion, Peer-to-peer network lending Enterprises external model and internal not unified, almost engaged in offline business, and the most intuitive offline is the MLM and other models;

Fictitious funds fraud suspicion, find an intermediary agent company, and then fictitious venture capital (10 million enterprises, 2000 yuan to fix), and then through high yield high return commitment to absorb funds, once the funds reached a certain height, immediately set up, run away;

2, know all the mark of the Groove Point

Credit borrowing standard

The first thing to say is the credit, it is a mortgage-free, security-free, pure credit of the way. Mainly for civil servants, doctors, teachers and other institutions of enterprises and institutions of the staff, as well as SME contractors, self-employed, white-collar workers, such as fixed occupation and fixed income personnel. If the borrower is due to the difficulties of repayment, the 30th day after the investor's principal by the loan platform (hereinafter referred to as "platform") the risk of compensation, the transfer of the rights of the Platform.

If the credit loan is not compensated before the principal (that is, before the platform advance bidder principal) borrower repayment, principal and interest will be in accordance with the normal standard repayment, and the other overdue penalty, bidders and platform split penalty.

If the borrower's repayment of the principal compensation, the principal and interest in accordance with the normal standard repayment, and the other overdue daily penalty, the principal interests and penalties for the platform to receive all.

Slot: Peer-to-peer network loan Platform belongs to the private organizations, can only rely on the user to provide bank credit audit, wage flow proof and other evidence, but so the user's process and cost increased, so that very few users to prepare information, and submit. To this end, until now the major platforms have no sound credit audit mechanism, entirely by their own establishment, and their letter audit staff rely on work experience to carry out the audit.

Just imagine, the project that is audited by the work experience to have more insurance? --for the credit standard, the general Peer-to-peer Network loan platform to all bear the repayment pressure, once there are several or even more users will not, then Peer-to-peer Network loan platform is bound to be a financial disaster, and finally caused operational difficulties, or even bad results, run, Collapse (note: As of today's closed peer-to-peer companies, there is such a situation.) ）。

It is so, once hit credit loan mark finally let Peer-to-peer network loan platform is afraid, even now gradually disappear, dare not send the mark again.

Pledge Loan Standard

The pledge loan target, is the platform passes through the line under the strict verification borrower's assets and liabilities, and handles the mortgage guarantee procedure (not only limits, guarantees the risk control within the reasonable scope, the platform gives the user the credit way one way). The target borrower of pledge loan is generally high quality medium and small micro enterprise and self-employed, it is the individual to personal loan platform key development object. Part of the platform for the pledge of loans to provide principal and interest in full advance protection. The more standardized lending platform will entrust the cooperation of third-party agencies (such as: car dealers, microfinance companies, etc.) to the borrower to carry out strict audit, handling assets, collateral and other formalities. (part of the platform referred to as "force borrowing standard")

Spit slot: Seemingly this marked with a pledge high insurance low risk, in fact, it is the largest risk, it is easy to appear false information, fraud, according to the author understand, at present for the mark has happened to the fairy jump, bored donkey, dog dozen sticks, the last instant to a medium-sized or even large peer-to-peer network loans forced to collapse, collapse- The net is due to the pledge of a few more than 3 million of the loan, the final document by the borrower drilling, unable to pay a lot of money, resulting in deadlock, and finally announced the closure, even those creditors are not able to repay the debt.

Net worth borrowing standard

The net worth loan is the credit method which is pledged by the user's assets owned by the platform. The assets are mainly those held on the platform (some platforms support the user to buy the platform equity and serve as the collateral for the Net worth loan). The maximum amount allowed to be issued for the net worth loan is the net assets of the publisher (a certain beginning requirement for net assets). can be recycled. But users will be limited. If the customer's net worth is greater than the loan amount, the platform will allow the user to publish the net worth loan mark for temporary turnover.

Slot: The label is a relatively high safety factor (in fact, in the platform controlled by the equity and bonds as collateral), so the interest rate may be relatively low, suitable for the cash cattle, and users can use this standard to enlarge their investment lever.

Although it has a full advantage, but also to control the base and risk, once there are ulterior motives of the user participation, then there will be speculation, money money fraud.

Secured borrowing standard

The guarantee borrowing standard is the platform according to the borrower scan uploads the information to carry on the audit, the guarantor is guaranteed by the net assets of its platform account, according to the borrower's credit status, the guarantor and the borrower negotiate and sign the mortgage guarantee formalities, to ensure that the risk is controlled within a reasonable range, the platform gives the borrower a way to grant the letter. If the borrower is overdue due to repayment, by the guarantor advance the principal and interest repayment, the creditor's rights transfer for guarantor all. Guarantor's guarantee behavior may be paid behavior, is the user in the loan platform besides obtains the interest income the other kind of income way, but if the loan forms the bad debts, the guarantor's principal may suffer the loss to advance the guarantee. In order to control the risk of collateral, the loan platform should not only be in the amount control, but also should be strict in the qualification examination of the guarantor.

Spit: In normal circumstances they are good, but in irregular circumstances, the guarantor and guarantee company is actually the black black. According to my understanding, there has been a number of the market has been known as cattle, black cattle guarantor and guarantee company, in the borrower cannot borrow money when suddenly appear in front of you, in a cheap way for you to guarantee, and then let you give each other to provide some information or collateral. When the sky is an angel, when you do not repay, they will immediately become the erotic messenger, let you really have a usury to kill the movie plot.

If you want to buy the label, please check the security agreement, find the appropriate guarantor, do not light black.

Second Sign

Second Mark also called Second loan label, can be understood as a user in the platform owned cash as collateral credit way. Release seconds also marked, interest and management fees will be frozen, after the tender, the system automatically audited through, the sender instantly send out one months of interest and management fees, investors will recover the principal and interest. Second mark is a kind of entertainment to celebrate the delivery of money, generally by the platform owner issued for the promotion of the platform.

Spit Groove: High yield high risk, the second mark is obviously no gain, only high risk. Some Peer-to-peer network lending platforms release ' second bid ' to lure investors, using new investors ' money to pay interest and short-term returns to old investors, creating the illusion of making money, and then defrauding more investment. In fact, this is a Ponzi scheme.

Brother Fool, do you know?

Sky Standard

Superscript is not a separate standard, the standard is the website of the credit mark, the guarantee, the pledge, the net worth of the mark in accordance with the number of days after the hair label.

The cost of the standard: credit, guarantee, pledge management fee: 0.6% principal 30 days x hair Mark Days

Net worth of the management fee: 0.1% Principal and 30 days X issued the number of days

The interest rate setting of the sky Standard: the interest rate setting of the standard is the same as that of the monthly standard, which is set by the annual interest rate. (such as the release of 3-day annual interest rate of 12% days, repayment can be obtained interest 12%÷12÷30x3x principal)

Day of the settlement time: the day of the standard repayment time is the full standard audit after the day after the first day, due on the day of repayment.

Automatic bid setting for the Sky Standard: automatic bidding function can also be set to the sky standard

Spit Groove: This mark does not vomit, meets hides, does not even look. You don't even know how to die.

Conclusion: Cliché is a thing, remember not to remember is another thing-wake up, eyes fell into the pile of old people, there is no gold, all the Dead Sea.

Micro-Credit public account number two, said: Id:aleishuo gossip gossip internet business, public relations, marketing and other aspects of the slot points.