P2P money, is more and more difficult to earn.
Recently Miss heard more complaints, said P2P money is more and more difficult to earn, mine platform is also more and more background, this year down, invested in the money is not much, spend the effort of mindfulness is consumed a lot of effort.
Top this year in the P2P major platforms to invest in the flow of water is about 2 million or so, the gain Well, with her words both said, up a little insight and a little face. Now people around her say she is a senior investor, for a young girl in her early 20s, it is worth vanity beauty for a while.
But this year's investment has made the top a little timid, because it almost stepped on the mine a few times, but fortunately at that time, their alertness is higher, they are all through without danger. But in retrospect she is still afraid: "Those standards are followed by some of the old investors to invest in the beginning of their own will not be too, blindly follow the wind, fortunately not a blind in the end in time to respond to, or really lose a lot of money!"
It is also this several times on the edge of the cliff with a scare, the top realized that in 2017, although the beginning of the first, but the entire investment environment has made the white investor more aware of the investment, and she is also more confident about the P2P investment in 2018!
01 cash loan remediation, P2P can still invest?
How hot the cash loans are, Miss not much to repeat here, I believe that all of you have common sense financial beauty can probably appreciate.
I have a big money around me, last June or so was pulled by a friend to do cash loans, then made a deal of affection, to this friend's platform invested 3.5 million, to the beginning of November when earned 2 times the return back, emmmm, this rate of return is so high that the Mississippi hand trembling counting not out?
Looking at the big chunks of fat meat, the big money bite the bullet, borrowing the front to earn money in a good mood and then nearly ten million funds all in to the platform, who had thought?
Caught up with the cash loan remediation, now, not to mention the 3.5 million capital, the borrower can not be returned on time for each period of 350 borrowing, ten million investment, monkey years and months to return to the capital? This problem, Miss heart afraid, but also can not calculate.
Similar blood money is not returned to the cash loan investment countless, Miss Miss around the living example is more than this one. Of course, the beauty of the girl probably also heard something.
Listening to the heart, many people see the cash loan "borrow money" investment is pitched like this, they think, the same is "borrow money" investment P2P is not safe.
Don't be afraid, beauty, cash loans remediation, P2P really can't back this pot.
In fact, we usually invest in most of the P2P platform assets in addition to cash loan assets, there are notes, consumer loans, installments, credit loans, card loans, home loans, corporate loans and so on?
To put it bluntly, there are a lot of P2P asset ends. Most of them have scenes with collateral! For example, when some enterprises or individuals borrow, some take their own houses and cars as collateral to borrow, some take land and other real estate collateral to borrow, and some people rely purely on credit!
What needs to be mentioned here is that the so-called P2P platform for individuals to borrow purely on credit, from the point of view of "collateralized or not", and cash loans are similar to the type of unsecured.
But the difference is that P2P's risk control system will screen out people with higher credit, while cash loans, due to pre-development reasons, have weaker risk control of borrower credit, so in comparison, P2P's credit borrowing is relatively more secure.
Of course, Missy is also concerned that some platforms have also opened cash loan business, but now the regulatory environment, for this type of business have very strict requirements, on the one hand, the return will not be too high scary, on the other hand, the business is also close to the formal financial projects, so cash loans are not P2P poison.
Of course, there are many excellent P2P projects, in line with the small amount of diversified investment attitude, the United States if the cash loan platform has concerns, you can spread the funds to the platform of the non-cash loan subject or no cash loan business platform to go.
So, the cash loan remediation, the impact on P2P is not big, how to invest still how to invest!
In fact, Missy believes that this cash loan remediation is also a wake-up call to the P2P platform, so that the platform itself is more compliant in the asset side, but also to make the investor's money more secure.
02Risk provisioning canceled, P2P can still invest?
Risk reserve canceled, the first reaction of the United States is: the platform does not underwrite, my money is still safe?
Compared to the cash loans over the wind, risk provisioning this wave of investors is a real real harm, after all, in the minds of many beautiful girls, the platform promises just right, on behalf of their own money, at least the principal is safe.
In fact, it is also this time to cancel the provisions of just right, so that the young lady only really pay attention to the real relationship between the risk provision and investors.
In fact, to put it bluntly, P2P borrowing refers to one's own one-on-one private lending, but this is still not the same as our life Zhang San lent 100,000 dollars to a stranger Li Si. If it is a one-to-one reception in life, the lender has no way to do risk control, and no way to do risk diversification and risk disposal.
Then the compliant P2P platform is just the right solution to these problems, they use a small amount of decentralized way to transform the risk into a probability, as long as the return can cover this risk probability is safe.
Generally P2P platforms are using big data models to get hold of comprehensive information about borrowers, including transaction data, consumption data and behavioral data, and a large part of them are collateralized (most of them are car collateral).
And it is in this "compliance" atmosphere that most people's attitude toward P2P has become one of just looking at the rate of return and whether or not to deal with it on time. The good and bad of a platform is also judged with just the ability to?
When a platform for five or six consecutive years are on schedule to pay, people think the platform is safe. How dangerous is such an idea, eSpeed Loan told you!
Fellow beauties, all runaway platforms are rigidly paid before they run.
The market is risky, investment needs to be cautious. The reason why people will choose P2P investment, a big reason is probably because such an investment is more profitable than many bank investments. But the point that Missy wants to emphasize here is that since ancient times, high risk and high yield.
In essence, another way of interpreting the word "return" is "risk-reward", which is why most of the P2P returns are higher than bank returns.
So you can't invest if it's risky?
Of course not! As long as you do a good job of risk management and asset allocation, it is possible to get a super return in the case of controlled risk. Of course, how to do a good job of risk prevention, the follow-up Miss will continue to update the financial column according to the beauty of the financial doubts.
What Missy wants to say here is that the risk provision is actually not much related to the safety of a subject or a platform or even an industry.
The so-called risk reserve tells you that you can invest as much as you want, and I'll give you capital protection if you win or lose. It sounds perfect, but in fact it's not.
An analogy, if a platform size to 10 billion, according to 2% of the extraction of risk reserves is 200 million, in case the platform did not do a good job of risk control, the bad rate of 10% is 1 billion, that 200 million of the risk reserve how to go to the pocket of 1 billion of your risk? This is not realistic.
The platform in order to continue to operate, it will certainly use the money that comes in after to pay off the front, thus forming a de facto "Ponzi scheme", and "Ponzi scheme" the final result must be blood money.
To this end, I believe that the abolition of the risk reserve, but the next investment in the safety of the beauty of the new guarantee!
03 bank depository also mine, P2P can still vote?
Only since September 2017, has been on-line bank funds depository P2P platform thunder event reached nearly 10, including Tian Jinshuo, learning credit, Huayin gold service.
Miss asked around some of the just started P2P financial beauty, their understanding of the bank depository is: "someone to help me look at the money, the platform ran out of road with the bank to me pocket!" See the three bolded vertical lines on my head?
P2P platform on-line bank depository, this is like the school requires pioneer children must wear red scarf is a reason, bank depository is only a compliance program, but not to ensure the safety of the platform indicators.
You can't, wearing a red scarf children do bad things, to red scarf to bear the responsibility, right?
Despite the fact that, the bank on-line P2P platform funds depository, the need to do a certain amount of consideration of the security of the platform, at the same time ostensibly the platform will also get the endorsement of the bank, but this does not mean that, this platform is no risk?
Where there is no risk of investment Well, beauty, you wake up! Even if on-line bank depository, the platform itself is not well run, risk control loopholes and other reasons will still make it out of the game.
Miss Sister said a beautiful girl do not love to hear two words, in the end, the bank on-line funds depository platform and no responsibility.
February 22, 2017 by the CBRC issued by the "network lending funds depository business guidelines" clearly pointed out that the platform, in addition to the necessary disclosure and regulatory requirements, shall not be used depositories to do marketing campaigns.
Commercial banks acting as depositories for online lending funds should not be regarded as providing guarantees or other forms of security for online lending transactions and other related behaviors. The depository bank does not guarantee or promise the principal and income of the online lending funds, and does not bear the risk of managing and utilizing the funds.
Of course, it is reasonable to say that the depository system on the bank's requirements are actually very high, the strength of the depository system can be judged from the flow of funds on the subject project is not a problem, and the platform side of the monitoring.
But some banks do not have the relevant strength of the depository system, often just open an account on the "hand".
The original intention was to provide timely feedback on the flow of funds through this "bank card" in order to determine the health status of the underlying project, but unfortunately most banks do not have this function.
If you're paranoid that a bank depository is the standard for investment security, please come to your senses.
On the background endorsement, in fact, in 2017, also exposed a lot of state-owned, listed system platform runaway thunder thing. This is a reason, often beauty will feel listed system is proper, state-owned is the strength, but behind this, the specific can add a few points to the safety factor of the platform, that all need to be studied and explored in depth.
032018, why should I give up P2P?
The beginning of 2018 is also at the root of the year. A lot of beautiful girls complained to Missy that they felt that they had entered the pit of P2P and broken their hearts, and that the violent thunderstorms and road runs made them feel that they couldn't love it anymore?
Emmmm, Miss is helpless, can not blame their lack of investment consciousness to P2P, after all, Miss 2018 also want to take off with more beauty in the P2P financial takeoff it!
Here, Miss Sister has compiled the advice of senior investor Seven Sisters to share with you:
1. Screening platforms look three times:
The first time, the new platform set up after August 24, 2016 to invest with caution, the regulatory provisions of its temporary can not be filed, and therefore the stability of the need to focus on the consideration.
The second time, before investing, be sure to look at the platform asset end is what: campus loans, down payment loans, cash loans, gold exchange type of business don't invest, the state said that this is a violation of the law; credit loans, car loans, small and micro-enterprises supply chain finance, small and micro-enterprises loans of this category of the more stable can be invested.
2. Low target long vision:
After the rectification, the industry general earnings will fall again. This is because the regulation of the asset side (lender qualification) have higher requirements, quality assets will be reduced, the scarcity of goods is expensive, we can get high yield will be more and more difficult.
If the platform still has a high interest rate of more than 15%, you should be skeptical. According to industry speculation, the current P2P average return between 5% -13%, 15% of the false high, the gentleman does not stand under the wall of danger, their own psychological to be clear, the mindset to be correct, P2P is but a medium risk medium income debt finance only.
3. Decentralized investment and centralized thinking:
Leisure money investment, decentralized layout is the basic idea of investment and finance, according to the platform's different geographic areas, different asset ends, different scales, different standard period with the investment. On the one hand, you can avoid the risk of a project once the problem of blood money, and on the other hand, it is also a self-investment in the investment to leave some way back, more choices and more experience.
By size, you can take 70% on the top rated head platform, 30% of the funds to take advantage of the activity period to buy small and medium-sized platforms of the monthly standard. In terms of the duration of the standard, placed in the top 20 platforms, the time can be longer, 3 months or more than 6 months are ok; small and medium-sized platforms buy 3 months or less, after all, the situation is not stabilized.
In 2018, why do you want to give up P2P?
Ask yourself, looking back at the past you rely on P2P finance to get what - the funds have not realized a steady growth, there is no financial freedom, the standard of living there is no big improvement.
If your answer is yes, then in 2018, if you choose P2P please continue to believe, if you did not choose the P2P industry, and want to change a way of financial management, then it is recommended that you choose P2P.