There are many reasons for the collapse of P2P online lending platform. Here are some possible reasons:
Poor management: Some platforms lack professional risk control ability, and the responsibility for risk control is passed on to borrowers, resulting in the gradual accumulation of platform risks.
Illegal fund-raising: Some platforms attract investors through false propaganda and high returns, which is actually illegal fund-raising.
Investor panic: Once the platform risk event occurs, investors may panic and withdraw a large amount of cash, resulting in the break of the platform capital chain.
Regulatory policy changes: P2P online lending platform is affected by multiple regulatory policies, such as filing, entry threshold and fund deposit. Changes in regulatory policies may have a negative impact on the operation of the platform.
Internal problems of the company: Some platforms have internal and management problems, resulting in operational difficulties.
It should be noted that the reasons for the collapse of each platform may be different. Investors should carefully consider when choosing a platform and choose a reliable platform for investment.
Second, why is p2p legal first and then illegal?
Because with the gradual increase of P2P online lending platforms and the lack of industry supervision, there are many problem platforms on P2P online lending platforms, such as running away, bankruptcy and liquidation. It harms the interests of most people.
The state is now supervising the P2P industry to make it more standardized.
Third, why does p2p run?
P2P online loans are generally divided into three categories: the worst category is cheating money. After investors recover their funds, they will abscond with the money. This is not a business, it's a scam. The second is self-financing, which is an industry. Because it was difficult to borrow money, he used P2P to find some fake borrowers as a cover to raise money. In fact, his purpose is not to cheat money, but to reduce the financial pressure of his own enterprise. Because it may be optimistic about the market, I hope to return the money to investors in the future, but I finally fell down. The third category is that its own risk management strength is not strong. These people have real borrowers, real investments and want to do P2P business, but they don't have much experience in risk management. As a result, they found it easy to release the money, but it was difficult to get it back. Moreover, such platforms provide guarantees, and all risks are gathered on the platform. Once this platform can't control the risk, investors will ask you to pay rigidly. If you can't afford it, dump it. This category is the most. According to the current regulations, the P2P peer-to-peer lending platform only needs to be registered in the administrative department for industry and commerce in accordance with the Regulations on the Administration of Company Registration, and filed in the communication management department in accordance with the Measures for the Administration of Internet Information Services and the Detailed Rules for the Administration of Internet Sites. There is no effective dynamic tracking management after registration and filing, which leads to the long-term "three noes" state of P2P online lending without access threshold, industry standards and regulatory agencies, which greatly increases the risk of P2P online lending platform closure and flight.
4. Why did 4.p2p run away?
Running away is taking money and leaving. In fact, it's just that the network has put on the cloak of P2P. If you want to find the right company to engage in P2P, it is best to have the supervision of a third party, such as a foreign exchange firm. .