There are some cases of P2P platform investment to recover losses, but the proportion of investment recovered is not high, basically only about 20%-30%.
Most P2P platforms will transfer their assets abroad before running away, and it is difficult to recover the investment funds, because domestic companies are already empty shells and have no assets to seal up. The seizure of foreign assets requires partial cooperation from the local government. Except for a few cases supervised by the Ministry of Public Security, which will be docked by government functional departments, it is difficult for most P2P companies to recover their donations after running away.
A small number of P2P enterprises show signs of payment difficulties, and promptly report to the police to seal up related assets, then investors can still get some compensation. Let's take e-Rental, the largest P2P platform in China, as an example. During 20 14-20 15, the platform illegally absorbed 50 billion yuan, and finally more than 70 billion yuan was involved in bankruptcy liquidation. After bankruptcy liquidation, only about1200 million yuan, about 25%-30%, can be returned to investors.
P2P platforms that can recover investment funds are basically operating investments, that is, there are assets that can be seized, so it is possible to recover some investment funds; And those P2P platforms that intend to run away from the beginning are basically shell companies in China, and there is basically nothing to seal up, and the losses of investors are irreparable. Most of the investment funds of P2P platforms are basically unrecoverable, and few P2P platforms can be recovered.
To sum up, there are not many P2P platforms that can recover investment funds, and the proportion is not high. After most P2P platforms run away or go bankrupt, it is basically impossible to recover the investment funds.
There is little hope to recover from the P2P explosion. The year before last, relatives stepped on thunder, and 60 thousand yuan was gone. So far, there are no statements or news. It is said that four people lost their pensions, hard-earned money and even fund-raising money because of over-investment, so they jumped to their deaths under pressure.
The wealth management platform runs frequently, but how many companies have you heard of to recover funds? Very little, very little.
At the beginning, these wealth management companies lured you with high interest rates. If people can withstand the temptation and have no idea of taking advantage of small things, how can they lose everything? The bank's interest rate is two points, and the P2P platform is ten points or even higher. Therefore, while pursuing high returns, you should also be prepared to take high risks, and always remember: there will be no pie in the sky! Even if it falls, it won't hit your head.
On the other hand, at the beginning of preparation, most of these wealth management companies aim at collecting money, even if they hire celebrity endorsements heavily, it is also to obtain more funds. When the fund reaches a certain amount, it can be said that it disappears overnight.
Not only P2P, but also a fitness studio near my home once induced people to apply for a fitness card. Suddenly all the shops in this city ran away overnight, and these losses of customers were irreparable.
Investment is risky and financial management needs to be cautious. Don't blindly pursue high returns, and don't put your eggs in one basket.
First, the conclusion is given: the possibility of p2p investors' loss recovery is very small, and the best solution is only to get back part of the investment! Please read the following carefully, it may subvert your inherent thinking.
First of all, business characteristics
In fact, in essence, all financial enterprises have traces of Ponzi trap. Even traditional financial industries such as banking can't escape Ponzi suspicion. Why do you understand this? Because we analyze the problem in order to simplify it and put aside the complicated interference factors, so as to see the essence of things clearly! Peer-to-peer lending is a flow of small resources, which means peer-to-peer, that is, personal to personal. It refers to the financial model that individuals complete small loans through third-party lending platforms and charge a certain fee.
Ponzi scheme is also called "robbing Peter to pay Paul" in China. In short, it is to use the money of new investors to pay interest and short-term returns to old investors, but this is a deliberate illusion of making money to attract more investors in the future, and the fund plate is getting bigger and bigger!
Banks take earning deposit and loan spreads as their main means of profit. One of the most common reasons is that high profit corresponds to high risk and long term. In order to make profits, banks must mismatch the maturity of funds. Simply put, short-term deposit funds should also be used to put in long-term credit products. The problem is that the deposit is due, but the credit product is not. Where does the deposit come from? The reason is that the deposit products are maturing one after another, and the newly added deposit funds can be used to pay the due deposit funds. The bank itself is a pool of funds. As long as the relative water level (fund position) is guaranteed, it can cope with normal fund access. But if the customer asks for withdrawal at the same time, the bank will go bankrupt immediately because the loan cannot be recovered immediately! Is this like a Ponzi scheme? Fortunately, banks have a strict content system and a harsh regulatory environment, which has made good institutional arrangements for the steady operation of banks.
The front is an important foreshadowing. Let's go back to the P2P platform, which is called peer-to-peer, which means person-to-person meaning. It refers to a financial model in which individuals complete small loans through a third-party lending platform at a certain fee. This model developed suddenly with the rise of Internet economy. The original intention of the country is nothing more than to use the Internet as a tool to activate the economy by grafting with the financial industry, but the design of the system is definitely lagging behind, and P2P is not perfect when it started.
Although strictly speaking, P2P platforms are intermediaries, the business of many platforms obviously goes beyond the nature of intermediaries, and more bluntly, it constitutes illegal absorption of public deposits. Moreover, a large number of projects involve self-financing, the promised interest rate is much higher than other formal financial products, and the employee performance rate is very high, which has completely constituted a Ponzi trap.
Second, the whereabouts of funds.
Where did all the absorbed money go? The main destinations of funds include: 1. Pay the principal and interest of the expired products; 2. The salary and bonus of the business team, which is absolutely small money, because this type of platform has raised a huge business team with a high commission. The main job is to sell their own packaged products; 3. Funds invested in the project; 4. Funds carried by the fleeing core personnel.
From the above four types of capital flow, the first two types can not be recovered, but they have occupied a large proportion. The latter two kinds of investment projects that are likely to be recovered, but extremely difficult and most likely, are converted into assets, auctioned and sold, and the proceeds are returned to investors in proportion.
Third, the processing flow
Creditors (investors) are usually paid off in the bankruptcy liquidation procedure of the platform company. First of all, bankruptcy liquidation has to pay high fees to the administrator. According to statistics, in the bankruptcy liquidation of Chinese enterprises, the proportion of creditors receiving compensation usually does not exceed 10%, that is to say, if the P2P platform owes a creditor10 million yuan, the amount that the creditor can finally receive compensation will not exceed10 million yuan.
To sum up, it is very unlikely for p2p investors to recover their losses, and it is possible to get back a small part of their investment. Knowing the essential reasons, we should try to stay away from high-profit products in the future, and the temptation of high profits is often accompanied by great risks.
It is difficult for most investors to recover. Once the p2p platform thundered, the actual controllers ran away, and before the thunderstorm, they had already made arrangements to transfer their property and money abroad. The domestic company is just an empty shell, and the main personnel are controlled and prosecuted. At this time they would rather go to jail than spit out their property and money!
How can I get it back? Lenders who set up games to dig holes and smash pots can only bear it. Remember, don't trust anyone or anything in the future. As long as you deal with money, there are ghosts in it!
It's hopeless. I'm the victim.
Learn what p2p is first, and then you will understand whether this money can be recovered!
My answer to you is over, I can't come back!
Give you a more reliable answer:
~ If your P2P platform is formal and powerful, your loan funds will be returned according to the actual recovered funds and a small amount of state subsidies.
~ If you unfortunately choose the liar platform, look at the compensation for the actual controller's imprisonment and the compensation for the salesman's income (if the salesman can't get the money, concentrate on learning compensation)
First of all, call the police immediately, and the police will get it back for you. Now there is this mechanism. Within 24 hours, the bank will detain the money you remitted. Be sure to hurry.
It is necessary to call the police. Whether the police can recover the money or not, they should call the police. In this way, with the victim first, the police can file a case, which is also evidence for arresting criminals in the future. The more people call the police, the more attention the police pay. After the case is reported, the local police will work together to solve the case, at least to make the swindler's deception public so that others will not be hurt. Call the police!
The law provides that:
Criminal law of the people's Republic of China
Article 266 Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.
Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases of Fraud
Article 1 Whoever swindles public or private property in an amount of over 3,000 yuan, over 30,000 yuan, over 100,000 yuan and over 500,000 yuan shall be deemed as "large amount", "huge amount" or "especially huge amount" as stipulated in Article 266 of the Criminal Law respectively.
The higher people's courts and people's procuratorates of all provinces, autonomous regions and municipalities directly under the Central Government may, in combination with the economic and social development of the region, jointly study and determine the specific amount standards implemented in the region within the scope of the amount specified in the preceding paragraph, and report them to the Supreme People's Court and the Supreme People's Procuratorate for the record.
You must be cautious when investing online, and don't blindly believe it because of others' propaganda, otherwise you will be easily cheated by others no matter how rich you are. After the online investment was cheated, the parties wanted to get it back, but they didn't know how to get it back. Please come and ask your lawyer.