At present, P2P investment is risky, and the income is not proportional to the risk. It is recommended not to invest in P2P (both online and offline).
1, policy risk
At present, P2P institutions have not completed the regulatory filing, and the overall regulatory policy is unclear, which tends to be clear.
According to a report published by the Economic Information Daily on July 8, entitled "Institutions whose online loan rectification schedule clearly meets the requirements will be included in the supervision pilot". The mutual fund rectification leading group and the online loan rectification leading group jointly held a symposium on the special rectification of peer-to-peer lending risks, and clarified the timetable for the special rectification of online loans. Among them, the rectification work in the third quarter will continue to strictly implement the requirements of "three reductions" and increase the intensity of benign exit. Online operators will be classified and managed one by one in the fourth quarter. The meeting pointed out that in the next stage, it is necessary to focus on transformational development and benign exit, prohibit the addition of new Internet financial institutions, promptly deal with institutions that change their shareholders or relocate their registered places without authorization, and guide the vast majority of institutions to realize risk clearing through active liquidation, closure or transformational development.
2. Industry risks
P2P is a high-risk industry. Since 19, many large platforms have experienced recession or risk. For example, group loan network, net letter Pratt & Whitney, Jinxin network and so on. Lufax, the industry leader, intends to retire, indicating that the future prospects of the industry are seriously not optimistic. Many companies that have announced their retirement may also have a hard time ending up well. According to the data of online lending, as of June 30th, 20 19, the number of P2P online lending platforms in China has reached 6,698, including 5,775 problem platforms and 923 operating platforms. This month, the turnover of P2P online lending industry was 92.442 billion yuan, down 4.20% from the previous month, and the loan balance was 979.903 billion yuan, down 3.63% from the previous month. This month, the turnover of P2P online lending industry was 92.442 billion yuan, down 4.20% from the previous month and 46.36% from the same period last year. 2065438+June 2009, there were no new online platforms in China, and there were 177 new problem platforms. Compared with last month, the number of new problem platforms has increased significantly this month.
3. The violation problem is more prominent.
From the preliminary inspection of relevant departments, illegal activities such as fund pool, illegal lending, disguised commitment to protect capital and interest, and opaque information disclosure are still widespread. Some platforms even have serious violations of laws and regulations such as shareholder self-raising, false bidding, false capital injection and misappropriation of funds. The major risks of the industry should not be underestimated.
To sum up, P2P is risky and asymmetric, so it is recommended not to vote.