Although there are only six P2P platforms at present, the number of "financial refugees" subject to P2P platforms has not decreased much. According to incomplete statistics, there are nearly 10 million people whose principal cannot be recovered due to the lightning storm of P2P platform, and the total size of lenders who cannot recover interest should reach tens of millions or even more.
The P2P platform was completely retired, and all P2P services were banned in many provinces. Few of these retired platforms can pay all the lenders' funds, and even the principal payment is very small.
The platform is required to be retired, and most of them choose to repay the lender's principal in installments without calculating interest. These platforms repay the lender's funds in installments, mainly from the remaining funds before the company quit the company, which are far from enough to repay the lender's principal.
After the P2P business was retired, the platform did not inject capital, which means that the platform cannot make money by investment, which means that the company has no ability to make money. It can only hope that the platform can recover the loaned principal as soon as possible through legal means.
The loan interest of P2P platform is much higher than that of banks. Therefore, customers who can choose P2P lending are generally customers whose loans are rejected by banks. In other words, some customers who have problems in credit reporting. If they hope that the credit itself is not a good customer to pay back the money, it is still a bit too optimistic.
Then many P2P platforms cooperate with some big companies and lend them money, including some real estate companies, with loans of hundreds of millions. The reason why these companies choose to borrow on P2P platform is largely because the evaluation risk of the project is too high and banks are unwilling to lend.
The high risk of these projects means that the possibility of project success is low, which means that the possibility of project failure is high. Once the project fails, these loans on the P2P platform will be wasted and there is no possibility of recovery.
From this point of view, the possibility that P2P platform can return all the lender's funds is still very low.
In addition to the retired P2P platform, many platforms have been directly put on file, and even a few actual controllers have been sentenced, which means that the possibility of completely getting back the principal on this platform is slim.
In the platform that has been retired, there are also examples of being put on file because of inability to repay, but it is still a decimal, so lenders should always pay attention to the trend of the platform, call the police in time when problems are found, and try their best to recover losses.