However, the zero number of online loans has fundamentally improved the situation of internet financial risks to a certain extent. It is expected that the chaos of usury, beheading, and yin-yang contracts will also drop sharply in the past, which is good for borrowers. However, up to now, according to the complaints of some borrowers on some Internet financial platforms, although P2P online lending has withdrawn, some online lending institutions have problems such as compulsory lending and conventional lending, but the number of complaints has decreased significantly compared with last year, which also means that some chaos in the online lending industry still exists, that is, the black sheep have not been completely eliminated.
First, P2P online lending has left us with the deepest understanding, or supervision cannot be absent. P2P online lending is dead, but financial innovation should not and will not stop. Therefore, we should learn a lesson, keep our eyes open and be alert to the new P2P-like platform. We should take this as a lesson, deeply reflect on our supervision and improve our supervision. The fission of P2P online lending from prosperity to decline tells us that the new format, which lacks market constraints and is under the banner of inclusive finance's innovation, is easy to grow wildly driven by the profit-seeking nature of capital, so that it is "possessed", hurting consumers and ultimately paying a heavy price to society.
2.p2p liquidation refers to a legal process in which the platform stops normal operation, all assets are sold into cash, debts are paid in order, investors pay the bill, and then the company is dissolved according to legal procedures. P2p liquidation investors can get some money, but it is less likely to get back all the investment principal.
Third, the three most common methods of P2P platform liquidation are installment liquidation, equity transfer and discount repurchase.
1. installment liquidation: installment liquidation means that the platform pays the investors' funds in proportion in multiple time periods.
2. Equity transfer: Equity transfer refers to converting the creditor's rights of investors into equity of the platform and becoming a shareholder of the platform.
3. Discount repurchase: Discount repurchase means that the platform returns the principal at a discount. For example, if you invest 1 1,000 yuan, a 10% discount will be 1 1,000 yuan.