not illegal fund-raising! ! ! Don't create new charges to get rid of criminals! ! Lenders die unsatisfied!

Blowout is a unified action, which makes you into the pit, and collective mine explosion is also a unified action, which makes you lose all your money, and it is determined that you are not sucking, and you are convicted.

people's money must be concentrated in the hands of a few people, so as to concentrate on major events. Without P2P, there will be a lot of IPOs. Do I understand correctly?

ordinary people can't be too rich. think about it. Deposits depreciate, financial management loses money, P2P storms, and funds lose money, and management fees have to be paid. Stocks have no investment value, only one investment makes money, and the house can make your purse empty. Making money is the prophets who pound the house.

in the face of great socialism, all kinds of capital will end up like this.

at the beginning, some countries called for financial innovation, which is why several countries emerged one after another.

actually, it was not said that all the mines were exploded at once, but it was also divided into several batches.

the biggest and earliest lightning explosion in my first impression was e-renting treasure.

from then on, P2P came into my sight, because it was very noisy. I think there was an e-rental. Should everyone be wary of P2P? However, this farce never occurred to me that it is not over yet ...

In fact, what every victim thinks is that it is only an individual case, and it will not happen to me. The financial management company I invested in is safe and will never go wrong.

then when something goes wrong, people become stupid.

There is another kind of victim's idea, which is either stupid or bad. The interest rate is high, 15 points. I'll put it in first. I'm smart. If there is a risk, I'll stop in time, so I can make money. As for the person who takes over later, it's none of my business ~

However, problems are usually sudden, and people's greed has no bottom line.

Qian Bao is such an example.

Then there was a news, and a group of people went to the police station to make trouble, asking Zhang Xiaolei to be released, to maintain this stall, and to take out the money for himself first ...

Since 215, there have been countless P2P explosions, so I'll just give you a few big examples.

so, there are explosions every year. Blowout development, because this thing to money too fast, I started a company, to develop a batch of sales outside, just to fool a batch of leeks, throw some bait, taste a little sweetness, there will really be a lot of people fall for it, for example, I let you keep my 1 thousand yuan, I will return you 5 yuan a month, you look so cool, 1 thousand yuan is definitely not willing to take it out, always thinking that you can beat the liar.

Why does it collapse so quickly? Because this model can't last long, that is, robbing Peter to pay Paul, and sometimes it faces the risk of a run. Once the wall can't be torn down and repaired, the boss will either surrender or run away. Once a peer has a problem, as soon as the news reports, other P2P investors are afraid, so they go to the P2P company to withdraw money. If the company has no money, it will suddenly explode.

So there will be a snowball effect. Even so, you can't hold too many leeks. When the swindler finds so many leeks, he probably only hates himself for not being able to open another place. Anyway, if it doesn't work in the end, he will try to run abroad. The big deal is to be arrested and put in jail. If he can transfer money, he will transfer it.

It's been 6-7 years since P2P was developed. It's a long time, but some people are kicked out and others will enter. This is a continuous process, which will last until all P2P companies die out, and this farce will probably end.

p2p is actually the skin of a bank, but there is no escape route for the bank. Banks have two magic weapons, but p2p doesn't. 1. Bad debt handling and asset disposal. This country has the means, but p2p doesn't, which leads to the untimely disposal of assets and the inability to repay the lender's due funds. 2, the bank will not run, there are ways to deal with it. But p2p can't control the run. P2p is a freak, and the policy does not allow a pool of funds. In fact, there is no way to lend money in time without a pool of funds, because people who borrow money from p2p are either in a hurry to save lives, or they are not in compliance with the regulations and cannot find a bank to receive money. There is also a spread. The financing cost of p2p is significantly higher than that of banks, and the risk is also higher than that of banks. Therefore, high-cost and high-risk p2p must have high-yield P2P to do it. But in fact, the qualifications of borrowers are lower than those of bank customers, and they are basically customers below Class B. The beginning of borrowing money is like eating poison, and a vicious circle has begun. Plus there is no bottom, p2p is not strange. It is a historical freak, but it has its own growing soil. To put it bluntly, it is the organization and openness of private lending. This is all caused by the insufficient function of banks.

capital is profit-seeking and clustered, and capital is the cleverest and the stupidest.

this round of p2p started five years ago. at that time, house prices skyrocketed, and capital didn't want to take over. the stock market plunged after soaring, and capital withdrew in time. however, the suppression of the United States also hindered investment and trade.

Real estate, stock market, investment and trade have nowhere to accommodate so much money, so the capital is looking for a new home, and it happens that online loans have jumped out. This is an industry with a large enough plate and huge profits. As long as the risks are well controlled, p2p can make a big difference. First, lending platforms, then campus loans, naked loans and various black online loans have emerged one after another, which has solved some people's urgent needs and trapped some people.

In recent years, due to the suppression in the United States, it is difficult to make money, so there are more and more bad debts, and some online loan companies that cannot operate go bankrupt and go into liquidation.

As the state has noticed the risks of p2p and stepped up supervision, many illegal online loans have to run away and close down.

Now there are more than 5, left, with less than 3 left.

why did p2p blowout develop in a short time, and then collective mine explosion became illegal fund-raising?

to be honest, P2P originally appeared in the market in an irregular form. Some people in the industry exaggerated the role of P2P for their own interests, which led some rich people to invest heavily in P2P platforms. As a result, according to the operation mode of P2P platform, it is impossible to operate. In the end, the capital chain can only be kept temporarily stable by means of illegal fund-raising. With the increasing non-performing rate, the scale of illegal fund-raising will become larger and larger, and the risk of mine exposure will become greater and greater.

objectively speaking, P2P is a product of the times and a phased product. Whether there will be new P2P in the future, according to the current regulatory regulations, is unlikely. This also shows from another aspect that supervision has not played a very good role in the barbaric growth of P2P, and has not fulfilled its effective supervision function. If the supervision is stronger and the relevant regulations come out earlier, it will be difficult for P2P to grow wildly and there will be many fewer problems. Therefore, supervision also needs to reflect on how to be at the forefront of innovation and reform, and how to curb pseudo-innovation and pseudo-reform.

nothing! Just toss the pot to investors!