Personally, I feel this is a Ponzi scheme. The platform pre-invests some funds as a risk reserve (the purse is said to be 1 100 million, and it is more than 30 million according to the check) to pay the income of the first comers and the daily cash withdrawal needs. It relies on the high income of more than ten or twenty years to attract investors, and then uses investors' money to invest or pay the income of other investors.

It worked well at first, but with the continuous influx of investors, the corresponding bad debt rate of its platform will also increase. In order to maintain the normal operation of the platform ecosystem, we can only obtain nutrients by constantly attracting more investors. But at this time, the ecosystem has been diseased. Once the capital chain breaks, the whole ecosystem will collapse completely. It's only a matter of time. Finally, who will get this rotten egg? We'll just have to rely on luck.

Considering from the normal way of thinking, firstly, this p2p platform is not a welfare institution, and its purpose is to make profits. It provides investors with such a high return, so how does it make a profit?

Borrowing? It doesn't feel possible, because its own interest rate is so high, plus other expenses such as platform operation, if the lending rate is lower than 16%-20%, it is estimated that it will not earn anything. Such a high interest rate is more usurious than usury. Who will use normal investors?

Stock market, real estate investment Who will bear these risks in high-risk industries? Investors, of course. Once there is a major loss in investment, the platform can completely run away. Whose money do you want?

Therefore, we should be careful not to invest too much money without understanding the operating mechanism, risk control and operational capability of the platform.