2065438+August 7, 2008 Creator in the field of high-quality science and technology
I worked as a P2P platform and left my job a year and a half ago. Jiangsu is known as the first private platform. There is no roll call here. Something happened some time ago. It is not clear whether it will happen.
What I'm mainly talking about here is the whole operation of P2P platform. What platform is good?
My answer is that no platform is good, except for the super-large direct state-owned background. The interest rate is low, close to bank deposits.
Why thunder so many platforms?
Because the profit of p2p itself is problematic. To put it more realistically, it is actually very difficult to make a profit when the interest rate of seriously operated P2P exceeds 6 points per year. In the early days of internet finance, that is, 15 and 16, individuals and enterprises would borrow and finance through private channels. But as far as I know, the quality target is not a corporate loan, but a housing mortgage loan.
18 years, many internet financial platforms are in desperate situation. In fact, it began to appear in 17, and many large platforms failed to seek listing.
1. Enterprises are unwilling to borrow a loan of about 15. From last year to this year, many local enterprises have fallen into meager profits, and the profit of the manufacturing industry itself can reach 10% net profit. Which enterprise will easily borrow tens of millions of interest? P2p platform gives investors 12- 15 points, and the operation of the platform itself (according to my previous empirical algorithm) needs 3 points. Lend this money to the enterprise, how many points do you calculate yourself?
2. The realization of fixed assets mortgage is extremely slow and the valuation is difficult. Everyone who does business knows this. Except land, production lines and machines are worthless. However, the transfer of industrial land is very difficult.
Why do listed companies want to buy shares or P2P platforms?
1. New industry Internet finance is a new industry. If we can build a listing platform, we can earn all the losses in the past overnight. However, no one expected that the state control was so strict. Internet financial platforms listed in China are all listed abroad.
2. The temptation of cash flow. Internet financial platform is a huge cash flow. For a listed company, strong cash flow is very attractive. Faced with a large sum of money, you will feel that you can succeed in investing in any project.
16- 17 years, mobile phone loan was regarded as the only opportunity for P2P platform to turn over.
At the time of attracting investors with a lot of publicity, the cost of obtaining an effective investment customer once reached around 300 yuan. Platforms with daily turnover10-30 million, that is, those platforms with tens of billions. How can they release these funds safely and get high profits?
They found an ideal way, the so-called small dispersion, that is, mobile phone loans. The profit rate of mobile phone loans is very high. 3 yuan will be charged at a service charge of 1000 yuan per day. One year is 108 interest. Even at a lower rate, Alipay loans and micro-loans are as high as 15. This is also the result of state control. Up to 18 points before.
That's why. While investing, you scold those naked lenders for being sad and sick, and those lenders who lend on campus for dying. In fact, only when your funds flow to these places can you get higher returns. This is to engage in security through high-yield acquisitions.
Unable to go to the market, the mobile phone loan market has a bottleneck, enterprises are no longer willing to lend, and the real estate market is sluggish. What you see is all the details of finance, and this is exactly the interconnected whole. Finance itself is a fragile and extensive existence.
No one doesn't want to get rich. Everyone is gambling, and the value doubles when he wakes up. You may be treated as an idiot if you talk too much. But P2P doesn't make money according to the negotiation form of financial intermediaries, so you don't have to doubt it.
This is also a small platform thunder, because of illegal fund-raising, the boss took the money to invest in other projects and lost money. The big platform is full of thunder and little rain because of poor management and insolvency.
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