Peer-to-peer Network Loan "Cottage" Rampage is about to destroy the entire industry

The word "cottage" is meant to be built with fences and other defensive works of the villa, and cottage and other words of similar significance. But http://www.aliyun.com/zixun/aggregation/7327.html "> Internet culture is developing too quickly, gradually, it has another layer of profound meaning:" cottage ", popularly said is piracy, cloning, imitation and so on, An industry developed by the private it forces. Its main characteristics are imitation, rapid and civilian.

On the Internet, we can see a number of "Shanzhai products", including mobile phones, digital, games and so on. However, these "shanzhai products" have a certain basis, the risk is also within the control range. However, when Peer-to-peer network loans (ie, everyone loans) industry, "Shanzhai" seems to have not spared it, quickly flooded the entire market, disrupting the industry, and gradually erupted into a "earthquake" crisis, gradually detached from the scope of the controllable risk.

In the early hours of April 2, the Public Credit network issued a notice, stating that "due to the lack of management team experience, resulting in the company's operational risk", the company has been bankrupt.

April 10, urban and rural loans again sent a sad announcement, said: Urban and rural loans are closed. The principal plus interest on the only investor has been raised before. This brings the inconvenience to the vast number of users, please forgive! Thank you for your support to urban and rural loans, I wish you a happy life!

Two failure announcements, coupled with the gold rush, Bell and other private escape, I recognize that these events are caused by the "cottage" and for, and mainly reflected in three aspects:

1, the word on the head of a knife cottage thought trouble

The world is not greedy people, but the interests of the heart, gradually, the world also has a lot of people with bad ideas. Peer-to-peer Network loans to the rapid development, coupled with external media, investors, borrowers and other boast exaggerated, subconsciously implanted in people's minds--p2p network loan industry is very lucrative. Then, people are affected by the interests of the beginning of the fuzzy contact industry, superficial understanding of peer-to-peer network lending process, eventually, the brain fever, the idea of a cottage, with the impulse to start a business. However, they also bury the curse for themselves in the future, homeopathy "achievements" today, the public loans, urban and rural loans and other closures.

In fact, Peer-to-peer network loan industry is not the outside world is looking forward to making money, on the contrary, it is a high investment, high risk, high-risk industries, and high income is based on these to be established. Cast aside a group of bad ideas (including bad intentions, with money to escape, fraud), according to the author's current understanding, Peer-to-peer Network loan platform to the real sense of income, must reach more than 30 million of the amount of water per month. How many platforms can be achieved?

To this end, the cottage thought is the root cause of all the evil, those who are still confused, please stop the thought, calm, think.

2, random purchase platform template Shanzhai technology loophole big

Perhaps a group of people are now thinking about whether to enter this industry, but, the probability is not absolute, or someone with the idea of the threshold, began the cottage's second step-to build a platform.

In order to save costs, there is no internet knowledge and it technical background of the entrepreneurs, spend a hundreds of of dollars online to buy a popular version of the site template, and then spend a small amount of money to find a space, as well as server hosting, then set up a platform.

With the platform, the founder also need to let users feel at ease online, therefore, the third party funds under the banner of Trusteeship, in the third party payment platform to open a company account, the name of its Yue funds trust, in fact, the user's money or in the company's account, running, misappropriation, it is minutes of things.

Rough platform problems, whether in technology, capital security and other aspects are very serious loopholes. There are even serious leaks of privacy. After all, Peer-to-peer platform entrepreneurs in the purchase of modules and code, simply do not know whether the buyer in the code to place Trojans and other viruses, once the template seller's mind impure, you can instantly through many Peer-to-peer platform to obtain the user's privacy, including name, ID number, bank account password, and third party payment account number and password. Let the user glance, thoroughly exposed.

Therefore, for the user, for the platform, for the industry, the platform's technology must ensure security, can only be so, to go farther.

3, plagiarism misappropriation of financial knowledge of the founder of the cottage is not professional

There is no strong internet, it technical background, if there is a deep financial knowledge, it can also be called severe. But, contrary to the original, Shanzhai founder from the beginning to the end of the idea is a cottage, even financial knowledge is superficial, directly to some large platform risk control knowledge, legal agreement and even all with Peer-to-peer network loans related to the financial knowledge of plagiarism, to their own platform. Sometimes in order to be convenient, even the content inside put the word of the other side platform does not make changes.

April 19, the Public credit network by CCTV exposure, founder Louroux before a metal mold workers, see the net loan industry profiteering situation, the initiation of the idea of entrepreneurship. However, he did not have the perfect technology, no profound financial knowledge, completely as mentioned above, all the ideas of the cottage forward, until the collapse.

In summary, now the "cottage thinking", "Cottage technology", "cottage knowledge" not only has not been curbed, but intensified, the whole industry swept. and the network loan industry is not included in the regulatory layer, completely in the Free State. Therefore, the author thinks, these "cottage" if not promptly resolved, will destroy the entire industry.

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Micro-Credit public account: Onlookers kan technology