1. P2P online lending institutions are all cleared! Everyone cheered and jumped for joy, will it disappear if the flowers are borrowed?
on April 15th, the central bank announced a message: all P2P online lending institutions in operation are closed down! According to the central bank's "Fighting against and Resolving Major Financial Risks and Effectively Safeguarding Financial Security".
It is clearly mentioned that:
All P2P online lending institutions in operation have closed down, and the rectification work in the fields of Internet asset management and equity crowdfunding has been basically completed, and it has been transferred to normal supervision.
as soon as this message came out, it instantly exploded the whole network. Everyone cheered, because people are too angry with those P2P online lending institutions?
the birth of p>P2P
after the reform and opening up, China's economy has developed rapidly. With the development of national economy, people's income level is constantly improving, and at the same time, people's consumption concept is gradually changing. Influenced by western consumption concepts, early consumption and loan consumption have become their mainstream consumption patterns for young people in the new era.
People's consumption desire is getting higher and higher, and the proportion of consumption expenditure is getting higher and higher, which will inevitably lead to the situation of insufficient money. In addition to personal lack of money, some startups are also short of money. In order to seek better development, some enterprises will naturally bring loan demand. In this case, P2P was born.
As the originator of P2P model in China, the dispatching loan has adopted the online model from the very beginning. Since 26, P2P has experienced many lightning storms, and the regulatory compliance in the past two years. According to the statistics of third-party platforms, as of January 218, there are still 1931 platforms operating normally. However, with the increasing attention of the regulatory authorities, more and more p2p institutions are forced to close down. Now, it is officially over.
p2p has officially retired from the historical stage
p2p has experienced a barbaric development model, with more than 5, P2P in China at its peak.
p2p has always been very controversial, and its appearance really facilitates individuals and enterprises to borrow money. However, due to the rapid expansion of the industry, there are not a few platforms for thunderstorms. Some large platforms involve more than 1 billion yuan, and the bad debt rate of these platforms exceeds 2%! This is very scary.
once something happens to the platform, it is the investors who are unlucky. Many investors have suffered heavy losses because of the platform storm, and finally they can't get back the principal. At this time, many investors will go to a dead end because of some economic problems. It can be said that this is a human tragedy
why are thousands of p2p being cleared? First of all, we must recognize the essence of the platform. Almost all p2p platforms have one thing in common: platforms provide investors with investment opportunities and promise high returns, and their commitments are often above 7%. You know, when the normal interest rate is only 2-3%, which formal platform dares to promise investors a high yield of 7%? Once there is a situation in the fund market, platform owners often choose to run away and pass the risk on to investors. Financial technology formats that do not conform to economic laws are unsafe.
p2p online lending institutions have been "caught in one net", will platforms such as flower buds and borrowing flowers disappear?
When it comes to domestic Internet finance giants, everyone will immediately think of Ma Yun's ant finance. With the star product Alipay, there are countless powder circles of Ma Yun, and Alipay's flower buds and borrowing functions are loved by many young people.
netizens commented one after another:
Netizen 1: Although the P2P platform is completely cleared, a large number of investors who have suffered losses are still struggling to collect debts, relying entirely on their own strength, and most investors have little hope of recovering their losses. A large-scale Internet financial innovation should not be a feast for a few speculators to make improper profits, and a large number of ordinary people should be sacrificed. After the P2P platform is completely cleared, P2P can be regarded as a better curtain call if it can help investors recover their losses to the greatest extent.
User 2: Under the banner of financial innovation, thousands of lenders in Qian Qian put their children's education money, house purchase money and pension money into P2P! And the result? Compliance first and then retreat! P2P has finally returned to zero, but what about the hard-earned money of thousands of lenders in Qian Qian? I hope that the state will take action, severely punish criminals and Lao Lai, and return the hard-earned money of lenders in time while repaying P2P! Strengthen the construction of social credit system and maintain the spirit of contract.
Netizen 3: We should not only pay attention to the suspension of online lending platform, but also pay attention to whether the platform has returned the hard-earned money of lenders in time, otherwise many people will become poor overnight. I hope that the state will take action, severely punish criminals and laolai, strengthen the construction of social credit system and safeguard the spirit of contract.
to be precise, borrowing is different from p2p. P2P can only be regarded as a lending intermediary, but borrowing is different. It belongs to a formal network company and has obtained a business license.
since it does not belong to p2p, it will naturally not be emptied. But there is one thing we must know, because the relevant departments have made up their minds to strengthen the supervision of internet finance, then the road of internet finance enterprises like ant finance in the future is not so good.
with the strengthening of supervision and changes in policies, other internet finance enterprises have also been affected.
second, is it appropriate for ants to borrow money to vote for p2p? The daily interest rate of ants is .16%, which is paid every month in average capital for ***12 months. p2p is not recommended. Generally speaking, p2p still has certain risks. Third, does it belong to P2P?
It doesn't belong to
Accurately speaking, borrowing is different from p2p. P2P can only be regarded as a lending intermediary, but borrowing is different. It belongs to a formal network company and has obtained a business license.
since it does not belong to p2p, it will naturally not be emptied. But there is one thing we must know, because the relevant departments have made up their minds to strengthen the supervision of internet finance, then the road of internet finance enterprises like ant finance in the future is not so good.
with the strengthening of supervision and changes in policies, other internet finance enterprises have also been affected.
fourth, is the ant flower bud a p2p model?
it should be said that it is not at all.
Ant Financial is a representative of Internet finance, but it is not a representative of p2p.
p2p is a peer-to-peer peer-to-peer lending. Ant Financial currently has no asset side on p2p, that is, the borrower, so it is not p2p, and it is not ranked in third-party ratings such as online loan home. lufax, pleasant loan, building blocks and the like are representatives of p2p.