Inquiring about these high-interest platforms, it is found that their targets are mostly high-risk markets such as domestic and foreign futures, stocks, index options and stock index futures. However, according to the Interim Measures for the Management of Business Activities of Peer-to-Peer Lending Information Intermediaries, online lending platforms are prohibited from providing information intermediary services for high-risk financing such as investing in stocks, over-the-counter fund-raising, futures contracts, structured products and other derivatives.
Under the background of asset shortage, it is rare that the annualized rate of return exceeds 20%. If the return is dozens of times a year, it can basically be judged as a scam. Investors should be highly alert to high-yield products and don't take chances. Platforms with a daily rate of return exceeding 1% are basically fraudulent through Internet channels.
However, in China's judicial practice, the part where the interest rate agreed by both lenders and borrowers exceeds 24% of the annual interest rate is not protected, and the interest determination of the part exceeding 36% is invalid. The daily interest rate 1% agreed by such platforms is far beyond the scope of legal recognition. By analyzing the cases of platform running and fraud, we can find that these platforms often carry out illegal activities under the guise of internet finance and financial innovation and under the guise of high interest rates. In the end, it may seriously infringe on the legitimate rights and interests of investors, trigger many mass incidents, disrupt the normal social order, and damage the industry reputation of Internet finance. This is something that every investor should pay attention to.
Online loan investment needs to be cautious:
First of all, online loan investment should be based on risk control and safety. There are several important criteria for selecting platforms, such as registered capital, platform background and senior management team. First, look at the authenticity of the platform products and targets, whether it has the big data risk control capability on the pure line, and whether it touches the 12 "red line" of online loan supervision. In addition, online loan investment must adhere to the principle of small amount and diversified investment.