Peer to peer loan
P2P peer-to-peer lending platform has simple procedures and flexible methods, which was originally a useful supplement to the traditional financial industry. However, due to the poor management of some P2P websites or the participation of some fraudulent websites, P2P, which was once in the limelight, experienced a wave of bankruptcy and running. On the complaint platform of 3. 15 Party, there are many complaints and inquiries about P2P platform, among which "Zhonghui Online" is the most.
P2P peer-to-peer lending platform is a useful supplement to the traditional financial industry because of its simple procedures and flexible methods. However, due to poor management of some P2P websites or the addition of some fraudulent websites, P2P, a popular online version of private lending, has experienced a wave of bankruptcy and runaway. According to the complaints and exposures, some investors lost hundreds of thousands, and some even lost millions of yuan. Many investors have invested their life savings, only to see that P2P websites can no longer log in, but to hear the news that the boss ran away with the money. In the face of the paralyzed cold web page, they were wiped out.
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P2P is the English abbreviation of "PeertoPeer", which is often referred to as "everyone's loan". P2P loans do not need financial institutions as intermediaries, and the business of both borrowers and lenders is completed on the network platform. As a third-party platform, the network gathers small amounts of funds and flows to those who need them. Due to the simple loan procedures, low difficulty and low cost, P2P financing has developed rapidly in the network age, but it also exposes many problems. On the complaint platform of 3. 15 Party, there are many complaints and inquiries about P2P platform, among which "Zhonghui Online" is the most.
Netizen Mr. Huang complained, "Zhonghui Online was originally engaged in pure bill mortgage business and invested a lot of money. Unexpectedly, the platform suddenly closed down in 65438+February, and its legal person and operation manager lost contact, with more than 300 million yuan missing and as many as 5,000 victims. "
Investors from Baoding, Hebei complained that Zhonghui Online initially used bank acceptance bills to gain investors' trust and promised to ensure the safety of loans and investments. The platform has also made a lot of publicity, reached cooperative relations with large portals and two state-owned enterprises, and attracted many ordinary investors to inject capital one after another. However, in June of 5438+February, the company suddenly refused investors to withdraw cash, and then suddenly asked lawyers to issue a notice saying that the company's capital chain was broken and needed to be liquidated before bankruptcy, and a large number of investors were at a loss.
Investors in Shandong, Shenzhen and other places have also written in succession, complaining that Zhonghui Online has taken away their savings for many years or even a lifetime. A laid-off female worker and single mother said that now she suffers from the pain of cone heart every day, but there is no way to complain.
Zhonghui Online is an online credit financing platform in Shenzhen, which was officially put into operation in July 2065438+2003 with a registered capital of 20 million yuan. The only thing that makes investors feel at ease is that Shenzhen police recently arrested Chen Yanfang, the main person in charge of Zhonghui Online, and at the same time continued to pursue other suspects in the case, trying their best to trace the whereabouts of the funds involved.
In addition to "Zhonghui Online", there are complaints about other online lending platforms. Mr. Xi from Hangzhou, Zhejiang complained, "I didn't expect the platform to suddenly stop operating in May 438+February, and the actual controller lost contact, defrauding 88 million yuan of investment funds and absconding, with nearly 1,000 victims."
Another netizen in Hangzhou complained about the "net wins the world" platform. "At first, I thought that the platform promised a higher interest rate, promised to ensure the safety of funds and interest, and the background of quasi-listing, so I invested all my savings, about 654.38+0.23 million. As a result, the company closed down four months after its opening, and the person in charge absconded. The victim's family not only lost savings and living expenses, but also could not afford to see a doctor. "
Mr. Tong from Liaoning complained that "he invested nearly 440,000 yuan in Kexun. Although he returned about 3,000 yuan, the website has been in a state of maintenance since then, and all business contacts and customer service calls have not been answered. "
Some netizens complained that after investing in Shandong "Shangxian Bank" platform, I didn't expect all the platform employees to lose contact on June 65438+1October 65438+June 6. This platform was established at the end of February 2065438+2003.
In addition, according to media reports, the well-known high-interest P2P online lending platform "internal and external loans" also suffered the biggest fund redemption crisis in history, facing a redemption account of 943 million yuan, becoming the first P2P platform bankruptcy case. At present, "domestic and foreign loans" have suspended all business. The company was officially put into production in May 20 13, with a registered capital of100000 yuan.
Judging from the closed P2P websites, most websites can get high profits. For example, "Zhonghui Online" claims that bill financing can have a high yield of 18%, while the annual yield of such products in the industry is rarely higher than 8%; The annual interest rate of many investment targets of "domestic and foreign loans" is close to or over 40%, and the annual interest rate of many projects is even as high as 45.2%. Judging from numerous complaint letters, many P2P investors are highly educated and proficient in using the Internet, which shows that some deceptive P2P platforms are very chaotic, mixed with good and bad.
First, the original purpose of the website is not pure. Some platforms attempted to illegally raise funds through the Internet at the beginning of their establishment. This platform is similar to Ponzi scheme, attracting investors with high interest rates and short-term bids, paying interest and short-term returns to old investors with new investors' money, creating the illusion of making money, thus defrauding more investments. Some scammer websites even set their servers overseas. After collecting the money, they closed the website and ran away. Even if the police file a case, it is difficult to track them down.
Second, a boss builds multiple related platforms. These platforms just want to cast a wide net and catch more fish. In order to finance more funds, it is essentially illegal fund-raising.
Third, risk control is weak. Many platforms do not have corresponding qualifications or risk control experience, and the audit materials are not strict, which leads to "bad bids" and "poor bids" on the platforms, and some of them are large loans, which leads to the accumulation of many subprime loans on the platforms, and a large number of lenders fail to repay them within the time limit, and the loans cannot be recovered on time. In addition, the registered capital of the platform itself is not strong enough to bear a large number of overdue loans, which leads to the failure of the platform to operate normally, and finally it can only close down and run away.
Fourth, there is a lack of effective supervision. Because P2P online lending is a new financing method, the corresponding supervision is not fully in place, which undoubtedly lays hidden dangers and loopholes.
According to the statistics of relevant departments, the number of P2P online lending platforms with turnover was 176 1, and about 40 people ran away in the second half of the year. In view of the phenomenon of P2P collapse, the Credit Information Center of the Central Bank, through its subordinate Shanghai Credit Information Co., Ltd., built an online financial credit information system to collect and sort out all the basic information of customers at both ends of P2P platform lending, so as to prevent credit risks such as malicious fraud and excessive debt of borrowers. China Banking Regulatory Commission has successively defined the top ten "regulatory red lines" of P2P, such as "no guarantee", "no fund pool" and "no illegal absorption of public deposits".
In the mixed P2P industry, it is difficult for ordinary investors to judge the comprehensive strength of a P2P platform by themselves, and it is also difficult to distinguish between true and false. 3. 15 The Party called on the regulatory authorities to strengthen the supervision of peer-to-peer lending platforms and issue detailed implementation rules as soon as possible.
At the same time, it is also necessary to borrow the stock market to remind investors once again that "online lending is risky and investment needs to be cautious"! When choosing a P2P financial platform, we must keep our eyes open and not blindly covet high interest and high return, but forget the investment risk. 3. 15 party will continue to pay attention to the collapse of P2P online lending platform. Please contact us if you or friends around you encounter such incidents. Our contact information is: 3. 15 party official micro signal: CCTV 315; ; Official Weibo: CCTV 315; ; E-mail: 123 15 @ cntv. Cn or 123 15 @ QQ. Com tel: 0 10-68579889-3 15.