Although the investment sentiment in the P2P market has recovered, many platforms are still troubled by liquidity crises due to lack of confidence and the lack of capital. Among them, Aiqianjin, Hexindai and Dianrong have attracted more attention.
As for Mavericks Online, which is also getting a lot of attention, I can only say that the situation is not optimistic, Good Luck!
Let’s take a look at Aiqianjin first, a star platform that once occupied the top ten in multi-party ratings for a long time and has a pending collection of over 30 billion (endorsed by Wang Han).
According to investors’ feedback, it currently takes about 45 days for the whole deposit to be completed from debt issuance to debt swap. Therefore, investors should not complain or vent because the funds cannot be withdrawn in time, and be more patient.
How can Aiqianjin save himself?
The first stage is to frantically distribute investment deduction red envelopes. The deduction ratio is mostly 1% of the investment amount, but the deduction ratio of the red envelopes received by some users has been as exaggerated as 3%!
This also means that the reward of deducting red envelopes has completely crushed the interest. It seems that the love of money at that time can indeed be described as "regardless of the cost."
The second stage is to praise programmers who love money and launch a new product efficiently—Zhengcunbao pro!
The biggest difference compared with the previous Zhengcunbao is that the entire line of Zhengcunbao pro products are automatically transferred after the lock-in period.
Let’s talk about the results directly. Aiqianjin officially stated that the entire deposit pro was successfully transferred within 5 hours after expiration. According to user feedback, the debt was successfully transferred on the same day or the next day.
Let’s talk about Hexindai. After being listed on Nasdaq last year, it successfully entered the ranks of quasi-first-tier platforms.
The current situation is that it takes about 47 days to withdraw from Guangdong Earning. Monthly Guangdong Earning and Laohebao products will not be affected and will be withdrawn normally after expiration.
In order to resolve the liquidity problem, Hexin Credit's strategy is to raise interest rates, raise interest rates, and raise interest rates again. The highest annual interest rate hike was as high as 5%. Old investors were about to explode after seeing this!
At the same time, Hexindai launched the "Hexin" activity in order to prevent runs on the basis of interest rate increases.
To put it simply, it is a solid earning product whose lock-in period has expired. If you actively apply for renewal, you can get a cashback reward, with the cashback rate up to 3%!
At the beginning of this month, Hexindai replaced Guangdongzhuan with the smart selection service. It is said that it will automatically exit after maturity, thereby increasing investment popularity.
Today, Hexindai has also upgraded the former "Hexin" activity to the "switch transfer" function (the IOS version is currently under review and is only open to Android devices for the time being).
The biggest highlight of this transfer function is that products that have not yet reached the lock-in period can also participate and enjoy interest rate increases. This can not only solve the liquidity problem to a certain extent, but also provide some compensation to old users.
Finally, let’s talk about Dianrong.com, a platform that was once ranked among the top 5 with weak venture capital investment, but now it is reduced to 10% debt-to-debt conversion in one month!
Although I am still in the car, to be honest, Dianrong debt transfer has been indescribably slow, and the answer from customer service is always "for compliance."
None of this matters. What investors value is the dedication and responsibility of the platform when facing problems. Otherwise, there will be no cure for falling into the vicious cycle of "debts turn slow and no one invests".
Debt conversion was slow in the initial stage, and the first move was to issue red envelopes for deductions, and the intensity was not too small (seemingly 5000-198), but the threshold was a three-month target, and a 6% return was indeed too low.
Unfortunately, this move had little effect, so Dianrong announced a good news: it received a US$40 million investment from Dalian Financial Industry Investment Group.
It is still a pity that for Dianrong, which has received all the well-known venture capital, the icing on the cake financing investors did not buy it.
Next, I have to complain. Dianrong does not send out red envelopes and does not hold activities to raise interest rates (it feels like giving up on itself). The annual income of 8% during this period can basically be described as a hooligan.
However, Dianrong.com improved last week and raised interest rates appropriately.
Although the intensity of the interest rate hike is average, it is better than doing nothing. However, today’s interest rate hike activity is over again, and I can no longer complain!
This is generally the case. Investors decide whether to invest or not based on their own comprehensive situation.