Behind

P2P: buy a set of hundreds of thousands of uneven in quality system can be built on the platform of

P2P net loan net Campbell in just four months after its establishment, it has become a site can not open the platform to run away. Prior to the site shows the cumulative turnover of more than 260 million, there are more than 200 victims of the composition of activist groups, the loss of funds in more than 5 million yuan.

Home monitoring data of

net loan, in May this year, China added 29 P2P net loan platform, the month there are 8 run away or off the platform, including the right money, the rising wealth, reputation wealth, CITIC Capital, credit investors, Jen credit, venture capital and other venture Welbon Hong Chang; only from September 2013 to November, China there are more than 40 P2P enterprise capital chain rupture or shut down.

currently there are nearly a thousand P2P platform, the industry situation uneven in quality. If the P2P platform was established for the purpose of fraud, this industry very low threshold: buy a set of software systems by ten, you can find a shelf to buy the establishment of a platform; but if you want to make career, P2P net loan threshold is extremely high in the industry.

consumers how to identify P2P fraud? If you can understand the principle of a regular P2P lending website, almost P2P platform can do about the true and false judgment. Here are some of the basic methods to determine whether the P2P net loan fraud platform.

1, obvious fraud and error information

first to verify the authenticity of the platform, including the real business license, organization code, office address and real information. The earliest pure fraud platform gold loan, 3 days on-line platform shut down, after the investigation, the platform all the information is false; and recently run away "net Campbell office address is Moma Tower 22, but only the highest 20 storey building.

Why many victims of

networks Campbell deceived is the platform declared that the central bank signed a strategic partnership, and accept the supervision of the central bank Beijing branch". Now the industry is regulated direction P2P central guidance, the China Banking Regulatory Commission policy, local CBRC landing regulation, but regulators have not issued regulations, how to regulators? Besides its so-called central bank cooperation is also PS fake photos.

2, interest rates

platform is a certain risk of high interest rates, low interest rates do not necessarily no problem.

high quality borrowers are sensitive to interest, but also the core of the P2P platform for the object of contention, these borrowers borrow a lot of money, the better the better the ability to get the platform preferences. Rather than the poor quality of the borrower’s ability to repay, promised high returns in order to obtain loans.

in general, the platform of the borrower’s mainstream financing costs by three components: financial benefits, platform service fees, security fees. Assume that the interest rate on a platform to investors is 20%

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