1. Origin
P2P peer-to-peer lending platforms usually claim to have two origins, one is Professor Yunus (also known as Junasz); The other is Zopa in Britain. Interestingly, Yunus and Zopa peer-to-peer lending platform in Britain are two completely unrelated things. With the continuous development of the loan industry, more and more enterprises and individuals know or understand microfinance, and many enterprises stand out in microfinance. Yunus was born in 1940. His contribution is to become a bank for the poor, and he won the Nobel Prize for solving the poor's borrowing needs. His model is no different from the existing big banks. Zopa in Britain is a new model based on the rapid development of computer network technology in 2/kloc-0 century. With the help of the high efficiency of the Internet, the traditional lending mode can be directly transformed from N2 1 (direct selling through the Internet) and 12N (online loan application for enterprises) to N2N (person-to-person lending) mode, and intermediate banks are also omitted. The N2N model of P2P peer-to-peer lending can take into account the dual advantages of banks and private lending.
2. Concept
Refers to the lending between individuals, P2P financial management refers to the company as an intermediary, connecting these borrowers and lenders to achieve their respective lending needs. The borrower can be an unsecured loan or a secured loan. Intermediary is generally a new financial management model that collects fees from both parties or unilaterally or earns a certain interest margin for profit. There are many P2P wealth management companies in Beijing market, with different products and different yields. Investors are advised to choose products that suit them rationally and cautiously. At the same time, when choosing a P2P company, we must move around and investigate more, and choose a company with formal qualifications, large scale and good reputation to handle business, so as to ensure the safety of investors' funds. The risk of choosing P2P financial products with real estate mortgage is relatively small.
According to industry experts, P2C model is an extension and upgrade of traditional P2P, which can help small and micro enterprises to raise funds quickly and safely, and provide an investment and financial management platform for the public. Relying on strategic cooperation, financing guarantee companies provide enterprises with on-site review before lending, qualification review, business process review, business ability and financial statement review, and can basically do on-site supervision after lending, and check the use of funds and business operation every month to ensure the normal operation and repayment ability of enterprises to the greatest extent, thus ensuring the safety of investors' funds. The counter-guarantee measures of investment mortgage loans, equity and accounts receivable to guarantee companies, which will have stronger counter-guarantee measures compared with banks. The guarantee company is equivalent to adding a layer of full interest guarantee to isolate risks, which is to ensure the safety of investors to the greatest extent.
3. Business model
The first is pure online mode, pure P2P. In this platform model, information matching is purely to help borrowers and borrowers better match funds, but the shortcomings are also obvious. This online mode does not participate in the guarantee;
The second is the mode of creditor's rights transfer. The platform lends money first, and then the creditor's rights are transferred on the platform. Obviously, enterprises can improve the efficiency of financing, but it is easy to have a pool of funds, which can not make the funds fully effective;
The third is the P2P model that provides principal and even uses interest guarantee. This model is the mainstream model of financial market, and the P2P model of principal guarantee is essentially the concept of indirect contact with funds. Lian Jin University has its own unique P2P model, which sells the credit assets of financial institutions or quasi-financial institutions to the outside world at a very low threshold through the Internet. The initial investment is only in 50 yuan, which has the characteristics of guaranteed capital and interest, high yield, zero cost and quasi-demand, allowing investors to enjoy credit services without worry.
4. Wealth management companies
P2P financial management originates from P2P lending. Peer-to-peer lending is a private micro-lending model, which gathers a very small amount of money and lends it to people who need it. P2P is the abbreviation of "peer-to-peer", which means person-to-person meaning. P2P lending refers to a financial model in which individuals provide small loans to other individuals through a third-party platform (P2P company) on the premise of charging a certain service fee.
5. Financial platform
In the latest report of the central bank, Zhejiang Home Loan Data Research Center and Li Rong. Com, a P2P financial platform, found that the total savings of residents in China is about 43 trillion yuan, and the per capita income is 30,000 yuan. The median savings of 30,000 yuan per capita is estimated to be difficult for 60% people in China. If you want to ask the importance of financial management to an ordinary family, there are still 30 thousand yuan deposits for several families. Part of this money is stored there for emergencies, such as the elderly getting sick and the children going to school, unable to move; Some of them are simple. They saved 30 thousand yuan a year and are still trying to save money. This money should be used for investment to generate income. Buffett's idea of snowballing compound interest is deeply rooted in people's hearts, but how to make snowballs roll bigger instead of smaller is not easy all over the world.
In recent two years, P2P platform in China has developed rapidly. Statistics show that there are 150 P2P platforms established in 20 13, accounting for 50% of the total. As of July 20 14, * * there are about 1 184 P2P platforms. The number of borrowers in P2P industry is close to190,000, and the number of investors exceeds 440,000, covering traditional financial institutions such as banks, insurance companies and listed companies. It is estimated that the number of P2P platforms will continue to grow in the second half of 20 14, and Sohu will make investment.
6. Preventive measures
Aspects that should be paid attention to in P2P financial products
1. Product risk control
It is very important to see whether the platform of P2P wealth management products is standardized, whether there is a set of perfect risk management technology, whether there is mortgage, whether there is a strict credit review process, whether there is a mature risk control team, whether there is repayment risk, whether every creditor's right is very transparent, and whether bills and creditor's rights lists will be mailed to customers at a fixed time every month. These are all very important issues, and customers must understand them clearly when making choices.
2. Platform advantages of the selected products
The larger the general platform, the stricter the risk management and control. Because of the large platform, every creditor's right will be transferred to the borrower after strict examination. In addition, the strength and scale of a company is also a very important indicator to measure whether a company is standardized. There is also the registered capital of the company, and the size of the national sales department is also a very important indicator.
3. Normality of the contract
When ordering products, be sure to read every item in the contract carefully and find out the specific meaning of each word. Don't sign the contract hastily, you know nothing about the rules and regulations. If there are risks in the future, it will be too late to regret.