P2P Queuing High Profile Private Lending High Risk

All along, investment and financial management is a door technology live, there is no so-called "closed eyes can make money", when investors really listen to "slander" words, close your eyes and dare to pocket money, you may encounter "financial fraud".

Behind the financial frauds, a "pheasant financial institution" often hides the most luxurious office buildings in the city CBD, where everyone is dressed in Western clothes, and everywhere in luxury. And its financial products are also frightening high-yield, as if "Heaven pie, and just hit you on the head."

In fact, behind the glossy appearance is sometimes a nothingness. The issuers often do not consider how to operate from a profit angle. They only want to operate at the angle of capital flow, but the income of the liabilities side is very high, but the assets end can not achieve this profit at all, or there is no asset end.

P2P can be described as two years. Internet One of the characteristics of the "special dish" in the financial sector is its surging tide. At first, the media took every running platform seriously. After that, with the soaring number of sports, the media couldn't pay much attention.

According to media reports, recently, another Internet financial platform in Ningbo, a credit card company, Cci Capital Ltd, has lost contact with executives. Local police have been involved in the investigation. It was reported that the boss had remitted about 10000000 yuan bonds and about 50000000 yuan cash before running. At present, the company runs, and the capital chain has broken up, so it is impossible to start related businesses.

As of September 30, 2015, the data center of zero one research institute had a total of 1302 problem platforms (excluding Hong Kong, Macao and Taiwan), of which, there were more than 100 problem platforms in three locations in Shandong, Guangdong and Zhejiang, totaling 643, accounting for 49.39% of all the problem platforms. There are more than 110 platforms for every month in 6~8 months this year, with an average of over 122. risk There seems to be a trend of concentrated explosion. However, the number of problem platforms in September dropped sharply, only about half of that in August. Does this mean that the net loan industry has entered a relatively stable operation period, which deserves further attention.

With the gradual improvement of regulatory policy and the change of the external macroeconomic environment, P2P has entered the shuffle period. Therefore, before investing in P2P, we must polish our eyes. We must choose a platform with excellent background, strong capital and moderate product returns, and those 20% annual yield rates are still far away.

Sichuan Huitong guarantee incident is one of the typical cases of high risk of private lending. The company used its private investment companies to raise funds from private sector with a monthly interest of about two cents.

In the process of private lending, the borrower and the borrower usually express their interest in terms of interest. For example, a profit is 1% monthly interest, two profit is monthly interest rate 2%. When calculating annual interest rate, a profit is 12% per annum, while two profit is 24% per annum. A private loan shark operator told reporters that most of the usurious loans he released were three cents, that is, the monthly interest rate was 3%, and the annual interest rate was as high as 36%.

Over the past two days, the risk exposure of private lending has increased dramatically and disputes have increased. According to the provisions of the Supreme People's Court on certain issues applicable to the trial of private lending cases, twenty-sixth: the interest rate agreed upon by the borrower and the borrower is not more than 24% of the annual interest rate. interest rate The people's court shall support the interest payment. The interest rate agreed upon by the two parties is more than 36% of the annual interest rate, and the interest agreement over the part is invalid. The people's court shall support the borrower requesting the lenders to return the 36% part of the interest that has been paid over the annual interest rate.

At this year's financial products fair, our reporter mistakenly hit a customer talk Seminar on a foreign exchange trading platform. In the corner of the Expo, more than 600 seats were full of seats. There were many people standing on the aisle. The atmosphere was strong. The host on the stage had almost always said "yes, no?"

In fact, almost every financial product fair and fair will see the appearance of these foreign exchange trading platforms. They are luxurious display, their staff suits are neat, every salesman seems to be full of enthusiasm, and it is quite different for investors to lose money or make money.

Foreign exchange transactions can be divided into two types: one is the private foreign exchange transaction, that is, non overdraft transactions which can be freely exchanged between foreign currencies. All major commercial banks in the country have opened this business.

One is the foreign exchange margin (foreign exchange deposit) transaction, that is, the business type of the foreign exchange trading platform, which has the nature of leveraged transactions, and the leverage multiplier usually magnified to 50 times, 100 times, or even higher. Even in the developed international market, foreign exchange margin trading is generally considered highly speculative and belongs to high-risk products.

Although some active foreign exchange trading platforms in China belong to the formal institutions in the world, but because China has not fully liberalized foreign exchange transactions, it has always been in the gray area. Over the years, a large number of foreign exchange brokers have opened offices in China in the name of investment consulting companies to attract customers. Various regulatory bodies in China have been warning and rectifying foreign exchange margin trading. However, investors continue to follow suit. Disputes over foreign exchange margin trading are also being staged in various courts.

According to a reporter, it has been reported that a foreign exchange dealer in Cyprus can not mention cash. A group of investors are in a state of anxiety. They have no right to defend their rights in the country. They can only go to Cyprus. In a language barrier and completely unfamiliar legal environment, investors can not help alone. (see March 2015 24 Japanese daily reported that the "iron remittance" arbitrage case drew the gray area of foreign exchange).