By the end of 2020, the actual P2P online lending institutions in China have completely gone to zero.

Prior to this, p2p lending interest was generally high. First of all, the financing cost of p2p is relatively high. It belongs to a private micro-lending model, which gathers small funds and lends them to people who need them. It belongs to a kind of Internet financial products. It belongs to private micro-lending, an online credit platform with the help of Internet and mobile Internet technology, and related financial management behaviors and financial services.

P2p generally gives investors an annualized rate of return on interest ranging from 7% to 15%, and some even higher. The high-cost financing method also leads to the high interest rate of its foreign loans, which is generally around 24% to 36% per year. Some are higher than the annualized interest rate stipulated by the Supreme Law by 36%. P2p generally pays equal principal and interest, and some even have beheading interest and service fees. If you count this, the annualized rate of return is generally around 55% to 80%. It can be seen that the benefits of p2p are still quite good.

For example, you can see it at a glance.

For example, Zhang San borrowed 65,438+10,000 yuan at an annualized interest rate of 24% and 36% on a p2p platform, and the loan period was 24 periods. The handling fee for each period is 0.7%.

The first one: the annual interest rate is 24%, and his nominal annual interest rate is around 20.4%. The actual annual rate of return is as high as 5 1.54%.

The second type: the annual interest rate is 36%, and his nominal annual interest rate is around 26.4%. The actual annual rate of return is as high as 79.2%.

So when you look at the interest rate of p2p, you can't just look at the superficial interest it gives you. Some are calculated by the day, and some are about 5 yuan a day 1 10,000. The publicity is even lower, and the interest rate is insanely high. This is also the reason why many people fall into it after borrowing money from p2p. Finally, the hole is getting bigger and bigger. Therefore, try to choose a formal platform when borrowing money, and don't just order online loans. It's easy to completely destroy your credit information.

2. What is the expected rate of return promised by 2.p2p peer-to-peer lending platform?

The model of P2P online lending has many cycles and return on investment, ranging from 8- 16%.

3. What is the expected rate of return of 3.p2p peer-to-peer lending platform "commitment"?

The yield is between 6% and 15%.

4. How much was paid back in 2023?

The golden boy case began on 20 15, and is called the "black swan" event in the field of internet finance. By 2020, Golden Boy has repaid 28.62 billion yuan to investors. According to the company's announcement, Golden Boy Institute will complete all restoration work by 2023. The amount of compensation refund involves many capital flows, including original capital, interest and compensation, which is calculated according to the investment amount of the injured investor, the time when the funds arrive and the actual loss. Returning the case is a "hot potato". Relevant institutions and regulatory authorities must strengthen the supervision of Internet financial risks, protect the legitimate rights and interests of investors, and promote the healthy and stable development of the industry.