Haichuan Property Legal Representative

Every once in a while, I will hear which online lending platform has run away again, causing many people to "talk about P2P discoloration". In fact, don't worry too much, because not all online lending platforms are directed at "running the road".

So far, the whole industry still presents a number of high-quality and reliable platforms. They may strengthen the risk prevention and control ability of their own platforms and improve the safety of investors' funds through scientific research and development, technological upgrading and concept change.

However, in the process of gradual improvement and adjustment of the industry, coupled with the tightening of the policy environment, some backgrounds and strengths are not strong, and risk control relies entirely on platforms such as external guarantee companies and has to withdraw from the historical stage in the market competition. Of course, whether it is to "evacuate" or "escape" on purpose, these platforms have left some clues when problems occur.

The following is a list of common signs before running, combined with relevant cases, for reference only:

1. The platform suddenly and frequently bid short, and the loan amount is excessively concentrated.

The frequency of bidding on the platform is not very high, and the interest rate is also average. If a large number of short bids suddenly appear on the website, and the amount is too large and too concentrated, it is very likely to be a sign before the boss runs away. Investors need to be vigilant and withdraw funds in time.

situation

20 14, 10 year18 October, a P2P platform in Sichuan experienced payment difficulties. Then the legal person Teng Haichuan lost contact for several days, and the news of "running the road" spread like wildfire. According to preliminary statistics, the amount owed to investors totaled more than 70 million yuan, which caused an uproar both inside and outside the industry. The president of Runaway is only 22 years old. As a representative of successful entrepreneurs born in the 1990s, the platform issued a second bid for several days, one day for activities, a big bid at the end of the month, and finally ran away.

2. The platform interest rate keeps rising.

At present, China's economy continues to decline, and the average interest rate of the platform generally shows a downward trend. However, if the interest rates of some platforms do not fall but rise, and the annual interest rate is as high as 30% and 40%, the platform is likely to encounter a redemption crisis, and investors need to redeem their funds in time to avoid losses.

With the arrival of interest rate cuts, on the one hand, the investment market should respond appropriately to the psychology of investors seeking stability and capital preservation, on the other hand, the lending market should also respond appropriately to the psychology of borrowers expecting to reduce financing costs. In short, under the background of stricter supervision, with the expectation that the platform will reduce operating costs and improve operating efficiency, a moderate reduction in the platform interest rate can stabilize many stable customers and retain some creditworthy borrowers, which is ultimately beneficial to the platform itself. So it is a good thing to kill three birds with one stone. Why not?

Therefore, Daren reminds everyone that in the current environment, the comprehensive annualized interest rate of online lending platforms is between 9.5%- 10%. Of course, there are also some targets that give a yield of 13% or 8%. These are also understandable market pricing behaviors. If you can still find that some platforms offer a yield as high as 18%, then be cautious. If it is too high, you must pass it decisively to avoid being cheated.

situation

2065438+On August 25th, 2005, some netizens posted that a P2P platform in Shenzhen set up Dingyuan Loan as a fraud platform. At present, the platform has confirmed to run away. Shenzhen Dingyuan Hengtai Investment Co., Ltd. was established on April 30th, 20th14th. The legal representative of the company is Tan Jianxiu, and the business scope of the company is project investment, investment management and property management. The projects invested by the company include daily investment projects, weekly investment projects, monthly investment projects and other short-term targets. The investment amount ranges from 600 yuan-100000 yuan, and the overall annualized rate of return exceeds 100%, with a maximum of 2736%.

3. The term structure of the interest rate of the platform borrowing target is reversed.

In general, the loan term should be proportional to the interest rate, that is, the longer the term, the higher the interest rate. However, if the target term is longer, the lower the average interest rate, the shorter the term and the higher the average interest rate, the platform may run away.

Investors and friends must pay close attention to the time and frequency of platform release targets and carefully compare different loose targets. Sometimes, the short-term target rate of return released by some platforms is almost close to the annualized rate of return, and even exceeds the one-year target rate of return. At this time, you should be more careful.

If the interest rate of the target rises abnormally in a short period of time, or the same target is a large loan of a single borrower, using multiple accounts to borrow money does not rule out the tendency of self-financing. Of course, we are more concerned about the platform taking the opportunity to improve the rate of return, and taking it and leaving. Investors and friends must keep their eyes open and be cautious.

situation

The e-rental incident at the end of 20 15 brought a bad reputation to the whole industry. The average loan interest rate classified by term is obtained by weighted average of the data of e-rental loan projects. The distribution of interest rate and term of e-Lease loan project does not conform to the law that the longer the term is, the higher the interest rate is, and the average interest rate of the lender with the longest term is the lowest. On average, its six-month loan interest rate is the highest, while its 1 year loan interest rate is the lowest.

4. Frequent changes at the top of the platform

The solid organizational structure shows that the platform runs stably. However, if the top management of the platform changes frequently, or employees change jobs on a large scale, there may be big problems in the internal operation of the platform, or the boss is about to run away and withdraw funds. Investors should pay close attention to the changes at the top of the platform in time and be prepared to redeem the funds at any time.

Of course, sometimes the normal post adjustment within the platform may be to meet the needs of the strategic transformation of the platform. Investors don't have to panic, but they should pay close attention to other business areas involved in the platform and whether the relevant executives have done something, otherwise they will be deceived.

5. Large-scale platform investors gradually withdraw their funds.

Large platform investors often have more real information, a better understanding of the internal operation of the platform, and can often make correct investment choices. If the investors of large platforms withdraw their funds one after another, it means that there is a great possibility of problems in the platform, and investors need to pay attention to the capital trends of large platforms in time.

Under the background of increasingly strict supervision, according to the requirements of the detailed rules, the platform should adhere to the principle of microfinance and diversified investment. Once the platform releases large loan targets, it is relatively difficult to fully meet the standards in a short time. This is also the reason why many platforms engaged in large-scale credit have encountered difficulties in the transformation.

Brother Daren wants to remind everyone that when choosing the borrowing time or the subject of creditor's rights transfer on the platform, you should learn to choose the subject with relatively reasonable borrowing amount. If the batch bid of some platforms can be less than 200,000, then it is relatively safe to choose such a platform for borrowing.

6. The negative news of the platform keeps coming out.

The reputation risk of the platform is related to the life and death of the platform. If the negative news of the platform (cash withdrawal difficulties, high bad debt rate, operational problems, etc.). ) constantly appears on social tools such as WeChat, WeChat, QQ, forums, and third-party online loan information platforms. Although it may be resented and vilified by competitors, investors need to be vigilant and redeem the principal in time to avoid the platform being investigated and suffered losses.

Of course, Daren also reminded that for the platform with negative information, if it is the platform you are currently investing in. We should make a reasonable distinction and treat it rationally. Don't blindly follow the trend, otherwise it will aggravate the run and cause greater losses.

Investors should distinguish the operation time, strength background and the ability of the senior management team of these platforms. Some platforms do have temporary management difficulties, but at this time, investors should not "rush" to run, and any platform can't stand running. Therefore, for those responsible platforms that don't want to "run away", we should spare some time to help them tide over the temporary difficulties. After the funds are withdrawn in the later period, the platform can be redeemed normally.

However, for those platforms that have been established for a short time, have no relevant strength and background, and have low registered capital, and those platforms whose senior management team is a veteran of the non-financial industry, do not have Internet thinking, and do not pay attention to risk control work, once they hear the trouble, they must make a stop loss.

7. The platform boss rarely shows up.

If the platform boss often appears in the media, it probably means that the platform is willing to accept public supervision and is less likely to run away. However, if the platform boss suddenly disappears in front of the public, the platform may encounter operational problems and the possibility of running away will increase. Investors should always pay attention to the movements of platform owners through news and platform official website.

8. The platform website can't be opened and the phone can't be dialed out.

The minimum operating requirements of the platform are that the website can be opened normally and the customer service phone can be dialed. If the platform website can't be opened for a period of time (usually three to five days) and the phone can't be dialed out, it means that the platform is likely to run away, and it is necessary to prepare for rights protection in time and safeguard its own rights and interests through negotiation, alarm and litigation.

situation

On March 28th, 20 14, the website of "Hui Investment", a Beijing online lending platform, was officially launched. By May 20th, 20 16, it had 9 10000 users, the total investment exceeded1500 million yuan, and the annualized rate of return of the platform was as high as 16%. However, according to investors, the online lending platform began to withdraw cash from the end of March. Except for the investors who arrived at the site in advance, most of the withdrawals did not arrive in April, and the website could not be opened normally. Calling customer service shows that the number is no longer available. On May 20, it was confirmed that the investor went to the building, the boss ran away, and the investor lost all his money.