Peer-to-peer Network Loan How to dig a big pit for yourself after brilliant

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Last year, the Internet financial management, so many followers of the popular, and then peer-to-peer hot more to let the Internet financial rise to a new climax, but short-lived, Peer-to-peer network loans to run into a controversial issue, then what caused the Peer-to-peer network loans in the hot after the rapid encounter cold?

Market turmoil, no uniform rules

In the Peer-to-peer network loan in our country just appeared, netizens seem to have found the opportunity to make a fortune, the author is also to try the attitude into a network loan platform, at that time 20% of the annual income is really a bright, but look, the major Peer-to-peer network loan platform springing up general appearance, And with all the gaping high interest rates, the author in that period even saw the annual income up to Bell platform, such high interest rate is actually the market confusion, Peer-to-peer network loans in order to attract more customers, have to use high interest rates to attract users, but after the expiration can not be cashed, can only pay for Paul, this approach is to make Peer-to-peer network loan market into a vicious cycle. On this basis, the whole market does not have a uniform standard, national law is unable to pass directly clear rules to govern the chaotic peer-to-peer market, this is to let the chaotic market become more chaotic, there is no uniform rules means to do whatever it is, and this is the late Peer-to-peer network loan platform to run a major reason.

Poor risk control, customer funding difficult to guarantee

From today's Peer-to-peer network loan platform can be seen, has been a part of the capital preservation Pausi, and a part of the requirement to become a member of the capital Preservation Pausi, and basically relatively formal Peer-to-peer network loan platform has a certain degree of risk control and insurance company claims, but in fact, the real loss of money, Peer-to-peer Network loan Platform for the settlement is really unpleasant, the investigation plus forensics and other steps to consume the user's patience, coupled with some borrowers to escape, but also make it more difficult to recover money. This is the first, the second is Peer-to-peer Network loan website maintenance do not good, there has been a customer's account in the Peer-to-peer network lending platform was inexplicably stolen, or in the recharge time was entered into other accounts, these actions are always scary, and this also let Peer-to-peer network loans into a high-risk investment platform, But this man-made risk is not what investors should bear, this infringement of customer funds, but also caused a lot of problems.

Illegal use of funds, offline sales of financial products

Some Peer-to-peer network loan platform on the surface of the benefits are not relying on borrowed money to get the interest, but through the offline sales of financial products obtained, this is an illegal fund-raising, the key problem is that investors do not know where their funds to invest, but also do not know the authenticity of their investment, Peer-to-peer network lending Behavior has triggered the law. Illegal use of funds, offline sales of financial products, the biggest risk is that some of the financial products are not capital preservation Pausi, in the risk of the existence of the situation, the Peer-to-peer network loans in the intangible let the risk more expanded, in the consumer unaware of the situation, for consumers to buy a high-risk financial products, And this behavior is exacerbated Peer-to-peer network loan platform Confusion, let Peer-to-peer network loan risk increased, and the feasibility of a significant decline, a loan to the project become more risk than stocks, who will go to buy?

Live for the benefit, not for the sake of the customers

Worse, some peer-to-peer network loan operators entirely from their own interests, did not take into account the customer's psychology and customer funds, this is typical of self-interest is when the risk occurs completely regardless of the customer's interests, abandon the customer or roll money away, such practices are to a certain extent, so that customers sad, You know, the customer is God! So hurt customers, in the future who will trust Peer-to-peer network loans? Many Peer-to-peer network lenders in the financing of the time the customer as God, and when the volume of escape immediately when the over, such a practice can be said to be very irresponsible, customers give you money, not to buy the risk, Customers are not fools, and if Peer-to-peer network loans just think how to circle money, to the end of the customer is relentless attack and abandon.

Peer-to-peer Network loans in Europe and the United States have a mature system, relatively speaking is a huimin project, small loans are also convenient for some people in need of money, and in our country this project is so poor, but also embodies a lot of people's mercenary, the customer's hard-earned money as their prey status quo, If the future Peer-to-peer network loan platform also want to continue to develop, it is necessary to do is not only to strengthen supervision, more need is the involvement of relevant departments, has established a sound system, but also need to reshape their credibility, the real customer benefits, so as to profit for themselves, However, if the current enterprises can not bring benefits to customers, who would like to invest money to you?

Peer-to-peer network credit boom after the embarrassment of the cold also revealed to us after the Internet financial era, enterprises need to do, and the market needs to change, only in this way, the future will have hope. The article comes from the snack to join the net www.4442.cn, the original is not easy, hoped everybody treasures my labor achievement, reprint please indicate the source, thanks.