Platform Collapse Led Investors To Flee Net Loan New Quilt Or Up To 1 Billion 200 Million

< p > from the beginning of this year, because of the continuous collapse of platforms, the booming Internet loan has become a nightmare for investors.

Reporters noted that in the sharp expansion of the amount of losses, some senior investors have withdrawn from the new line.

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< p > it is more than a year since the group hit the new market and then hit the new year.

The industry has no access threshold, resulting in a large number of new platforms, and in order to gather popularity in the short term, the new platform has launched a high interest rate plan, kidnapping itself and kidnapping investors.

In this sense, the collapse of net loan platform is also the embodiment of new risk concentration and release.

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< p > < strong > investors are in danger. < /strong > < /p >

< p > reporter survey found that at present, investors net loan to fight new is almost everyone's own danger.

The senior network loan newcomer "Oriental wind" (nickname) said that before keen to fight new investors, they had withdrawn from the new line, and now they will not participate too much in the new business.

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< p > investors are not playing the new role. The key factor is the collapse of the online lending platform which began in October last year.

According to incomplete statistics, since last April, hundreds of P2P platforms have closed down or related personnel have run away, and this phenomenon has increased significantly in the fourth quarter of last year.

According to the statistics of net loan home, the total number of new players is 1 billion 200 million yuan.

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< p > "Oriental wind" told reporters that the reason for the new cooling down is that investors are becoming more rational. The monthly interest rate is more than 3 points. They will be vigilant. In the event of investment and investment, investors will expect to increase supervision. At present, the monthly interest rate of the new online platform is generally lower than two points, which is similar to that of private lending. Some investors turn to private lending.

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< p > Mr. Wang has invested in several new platforms. He told reporters that the income of the new platform is generally high, and the monthly interest rate is more than 3 points. It is generally attractive that the monthly interest rate of the new platform needs more than 2.5 points.

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< p > another investor said that the policy regulation would be stricter and a new platform would die. He has invested two new platforms. Because of the risk consideration, the investment limit for these two companies is very small, and the maturity will be recovered and no longer will be renewed.

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< p > < strong > new platform risk exposure < /strong > < /p >

< p > the high yield of the new platform undoubtedly brings the corresponding high risk.

The most worrying thing for new players is to borrow net loan fraud. Other "industry chaos" is not a big problem.

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"P", "Dongfeng" has invested in more than 20 new platforms but collapsed on a Foshan platform. This is the only loss he has to make.

He told reporters that in fact, he knew that the platform was a self financing platform, and the legal representatives also had debts outside, but could not resist the temptation of 50% annual interest, and voted for the March bid. The bid returned the equivalent principal and interest every month. The first successful mention was made, and then it was decided under the guidance of several friends and acquaintances, and there was a difficulty of withdrawals in second months.

In addition, many investors chose the case after failing to seek the principal.

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< p > another investor used his 90% net loan fund to fight new business. The result was miserable. He has invested in fortune online, Wanli venture capital and Guang Rong loan since last year. In addition to the successful recovery of the investment in Guang Rong loan, others were locked up, and 600 thousand of the funds were once set up for 260 thousand yuan.

He said he would never invest in new platforms this year.

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< p > net loan new generation originated in 2012. Many newcomers are called "net loan guerrilla forces" and "network death squads" by many net loans. They represent a group of radical investors who pursue high yield and bear high risks.

With the gradual increase of new platforms, more and more net loan investors have begun to specialize in new businesses.

In order to attract investors, the new platform will normally be given high interest and reward.

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< p > > "east wind" began to fight in the second half of 2012. It was the first batch of net loan players.

He told reporters that when playing the hottest new product, more than 70% of the funds will be used to fight new products with an annual yield of at least 30%.

"20 million net loan investors, there are at least 60% to participate in the new, every P2P Investment Group will discuss the new online platform every day, this is last year net loan to play a new grand occasion."

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< p > robbing the "second mark" can confirm the new hot degree.

The "second standard" has appeared in the early days of P2P a href= "http://www.91se91.com/news/index_c.asp" > net loan < /a >. In order to attract investors, the platform will increase the yield of the second target, but the amount of each item in the early stage is less.

Since then, the "second standard" has become the standard activity of the new on-line platform. The new platform will gather hundreds of people on the first line, requiring the platform to send out the second standard, and the second standard can generally reach the monthly income level of 3%~5%.

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< p > < strong > circle friend mode wins high a href= "http://www.91se91.com/news/index_c.asp" > earnings < /a > < /strong > /p >

< p > reporter has learned that in the new high tide, many old platforms are not up to standard, because investors will rush to grab the new platform's second standard.

Several net loan newcomers told reporters that they will also take into account the risks of the new platform, and generally stay in the 5~10 platform to diversify their investments, but also have dispersed to more than 20.

To reduce their chances of losing on the new platform, they often exit decisively after a target expires, and then choose another new platform. The new cycle is 1 months to 3 months.

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P > some senior net loan newcomers are divided into two stages, the first is the circle friend model, which is recommended by the circle of acquaintances.

Later, the heat of the net loan gave birth to the group model, and the "head of the group" led the people to play new.

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< p > a newcomer told reporters that if a net loan investor wants to fight new, he can't do it alone. He must have a circle.

People in the net loan circle will find out the new platform and communicate in the circle. Then someone will look at the new platform, and will understand the situation through the three party, such as net loan home.

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< p > new players will ask whether the platform will accept fieldwork. During the inspection process, they will focus on the experience, business resources and shareholder composition before the boss of the platform, asking the boss to provide personal credit report, and also to see the rental contract and the source of the website system.

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< p > > "Oriental wind" thinks that in general, the boss of a business is a self financing platform. In this case, it should be focused on how the boss develops the borrower's business, and also needs to search the boss's personal information on the Internet, for example, whether there is any information about the execution of the court.

However, he stressed that if there is real industry, interest is OK, so it can be new, but it will not invest for a long time. In general, the new stage is within 3 months.

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< p > relying on acquaintances circles, some investors will gradually choose to close the warehouse. The advantage of closing the warehouse is that they can get extra rewards.

Take the graded reward system launched by the group loan network as an example, the investment of 100 thousand yuan will send color TV. The investment will exceed 400 thousand yuan, and the income will be much higher than that of other platforms. The average monthly interest rate of bonus is 3 points, and at that time the highest interest rate of the old platform is only about 2 points.

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< p > < strong > group will be pushed to the abyss < /strong > /p >

< p > with the increasing number of new platforms, some < a href= "http://www.91se91.com/news/index_c.asp" > investors < /a > do not have the energy to go to the field research platform, but they want to get high returns, so another new form appears.

Group beating is a group of investors who form close or loose small groups. In the same period, they go to a net loan platform to tender for different forms of organization. They have tender agreements with the net loan platform, and each group members bid separately.

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< p > "Oriental wind" indicates that the general procedure of the commercial group is: the head of the regiment collects "appropriate" new platform information through the software suppliers, the third party forum and other circles, and consults whether the platform accepts large amount of group funds, if any, then flies to the platform to investigate and negotiate group conditions.

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< p > however, the chaos of the group is also gradually emerging.

Some leaders use their resources and prestige to collude with illegal platforms.

If a platform needs 20 million yuan of funds, the platform will contact the head of the regiment to talk about the terms of cooperation. The head of the regiment will make a "bid to bid" instruction or suggestion within the regiment.

Insiders revealed that the royalty was between 0.2%~0.5% of total investment.

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Group P pushed the new game to a climax, and finally brought it into the abyss.

The general group interest rate will be higher than the platform's normal release rate. Later, as a result of frequent platform failures, interest rates will be higher and higher. At the beginning, the monthly interest rate will be 3 points, and then rise to 4 points and 5 points. The platform will be kidnapped by the head of the regiment, and many platforms will be closed down.

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< p > the group's new competition has great influence on the platform, and also reflects the lack of industry regulation.

The industry has no access threshold, resulting in a large number of new platforms. In order to gather popularity in a short time, they have launched the high interest rate scheme, kidnapping themselves and kidnapping some investors.

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