I bought p2p, and then the company closed down. The police station said it was suspected of illegal fund-raising. what can I do? Is it possible to get the money back?

Solution: Generally, the local public security bureau will release information for investors to register, and then after the court decides, it will discount the company's assets and then return them to investors in proportion (not all of them can be obtained with less investment). Generally everyone will get the same proportion of the principal.

This process usually takes two years or more, and the repayment ratio is related to the money finally discounted by the company.

Extended data:

Risk identification of P2P

2065438+March 2005 12, Zhou Xiaochuan, governor of the central bank, said that investors should have the ability to identify risks when they participate in P2P online lending business.

But how to distinguish risks is a big problem for investors. Bai Chengyu, Secretary-General of China Microfinance Association, believes that before investing in financial management, consumers should first find out what P2P peer-to-peer lending is. "According to the' four red lines' supervision idea put forward by the China Banking Regulatory Commission, the China Microfinance Association defines P2P online lending as a' person-to-person microfinance information intermediary service platform'."

There are several principles:

First, the nature of intermediary, P2P online lending platform can only provide information services such as loan matching, matching, and cannot provide credit intermediary services such as guarantee and guaranteed interest;

Second, the platform cannot have a pool of funds, and liquidation and settlement should be separated. It is very important for borrowers and borrowers to open personal accounts in banks or third-party payment institutions, and not to deposit money into platform accounts.

Third, loan projects should be dispersed in small amounts, and borrowers should be mainly small and micro enterprises and individuals;

Fourth, the platform information should be open and transparent, providing original and true information to both borrowers and lenders, especially the real interest rate and term, and it is not allowed to operate behind the scenes or engage in term mismatch. ?

The model of P2P online lending is ever-changing, and the target project, guarantee method, loan period and return on investment are all different, and this information just becomes the basic basis for investors to choose investment projects.

Compliance leads to increased costs.

In the industry's view, "compliance" is the biggest driver of online lending platform to reduce the rate of return. Last month, the China Banking Regulatory Commission officially issued the Guidelines on Deposit and Management of Personal-to-Personal Loan Funds. The new regulations standardize the requirements of online lending platform, such as fund depository conditions, account types, information exchange and disclosure, and fund settlement, and banks accelerate online P2P fund depository business.

In fact, at present, most P2P platforms are still in the stage of "burning money", and access to depository is for "compliance" under cost pressure, but the cost of compliance needs to be digested urgently.

According to "P2P online loan industry monthly report 2065438+February 2007", in February this year, the comprehensive rate of return of online loan industry was 9.5 1%, down 20 basis points from the previous month and 235 basis points from the same period last year. In view of the current mainstream comprehensive yield range of 8% to 12%, the industry believes that the P2P yield will continue to decline in the future and eventually stabilize between 6% and 8%.

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