In the face of turbulent online public opinion, what should I do if I love to invest?

Recently, some netizens broke the news that the investment platform loan project was fraudulent, and then the official investment responded, and the reporter then asked questions ... You came and went, everyone was watching, and the media added fuel to the flames and set off a public opinion war.

65438+120: 13 on October 7th, the netizen "Zhao Biaojing" posted a post entitled "Large-scale Fraud, Love to Invest in Chifeng Project" in the online loan home forum, saying that after investigation, it was found that the investment platform was 2016 65438+ 10. This post immediately attracted the attention of forum users, investors and insiders. By the end of June, 65438+1October 12, 12:00, this post had been read more than 20,000 times and received more than 20 replies. (The following is a screenshot of this post. )

After reading the whole post, some insiders said that the article has a strong sense of integrity, and it is clear from arguments to arguments, and the overall lethality is relatively strong. Netizen "peasantson" commented at the bottom of the article, "Visually, this post is extremely lethal and has reached the nuclear bomb level." ; Netizen "dream without trace" commented, "it's too detailed, this homework is well done! I hope that the platform will come out and give a statement. "

While paying attention to the post, some insiders found that the creditor's rights transfer area has accumulated more than 150 pages of creditor's rights transfer, and the number is still increasing. Most debt transfers have not been accepted, and many short-term and high-yield bids have not been accepted.

It may be seen from this that the news of this post has a great impact on investment platforms and investors, and related articles are still spreading and spreading in WeChat, QQ group and other channels at an exponential rate.

At 65438+108, 14:36, the "AII Investment Risk Control Manager" issued an announcement "Description on the Real Situation of AII Investment Platform Projects" at AII Investment official website Aiqin Forum, and responded that all the projects released on AII Investment were released on the platform after the relevant cooperation agencies and AII Investment Risk Control Team reviewed the information of the borrowing enterprises and performed relevant procedures. Published related project materials, collateral information and payment vouchers questioned by netizens.

In the reply, Love Investment mainly emphasized the authenticity of all projects, and at the same time responded to the mortgage fraud feedback from previous posts. However, the response only indicates that the project does exist and there is no cash pool, but there is no positive response to the problems such as risk control, whether the project has problems, whether it involves related party transactions, why the large amount of winning bids is surprisingly consistent, and why the borrowing companies are all in the same place.

Some netizens and investors are also dissatisfied with this response. Netizen "Tide Tide Tide" replied: "My head hurts after reading the information released by Ai Hui Investment. What's the persuasiveness of posting so many scans? You should give a strong response to the questions raised by the other party "; Netizen "Shanhai" believes that "the truth should be no problem, but problems such as shell companies and affiliated companies need to be further implemented."

65438+1At 20:06 on October 8th, the netizen "Zhao Biao Mirror" once again released the "Reply on the False Reply of Love Investment in Chifeng Project" in the forum of Online Loan House, which "answered irrelevant questions" for Love Investment and did not answer several main questions he had raised before. Finally, the Zhao Biao Mirror also asked several professional questions about investment risk control personnel, such as: "The original registered capital was only 6,500." Is it necessary to explain the falsification of project disclosure information? ""Is the corporate loan related to Ai investment legal and compliant? "and so on.

Many netizens in the comment area below the post said they would continue to pay attention to the development of the situation. The netizen "overdue" commented: "Yes. The official who loves to invest must give an explanation, and it is best for the family to check. "

65438+8: 411October 9th, titled "Chairman Zhao of Ai Investment", released "Reply to Questioning the Authenticity of Ai Investment Projects" in Aiqin Forum;

65438+10.9, 1 1:47, The Mirror posted "Reply to Chairman Zhao of Ai Investment" for the third time:

In the face of fierce public opinion, loving investment is also frequent.

On October 9th, 65438/kloc-0, an article entitled "Say no to sewage before investing" began to appear on the online media. From the content, it is easy to judge that it is a public relations draft that loves investment. The article has been published or reprinted in more than ten media outlets, such as Southern Network, Caijing Global Network, china economic herald, Phoenix Network, Sohu and Sina.

According to the opinion of Mutual Gold, although the titles of these articles are the same, the contents are not the same. One of them wrote: "People in the industry said that in today's increasingly standardized development of online lending industry, many lawless elements attempted to use supervision and public opinion to create tension and seek illegal interests. Because of its low illegal cost, it is often at a disadvantage. In the future, with the improvement of regulatory measures, the above phenomenon will be contained and managed. "

There are also some articles that disclose that official website, a love investment company, was hacked on the morning of June 9, 65438/KLOC-0. "The person in charge of Ai Investment said that it was initially inferred that this was done by the same group of people who spread false rumors on the Internet a few days ago, in an attempt to mislead users through public opinion and then cause panic through hacking." At the same time, it also said, "After this incident, Ai Investment has deployed a brand-new network security configuration, and now it has the strongest anti-DDOS attack capability in China."

In addition, on June 9 10 and June 9 1 1, Ai Investment issued two official announcements in official website, from which we can see Ai Investment's public relations handling methods and attitudes.

109, 65438, AII Investment issued a solemn statement on recent AII investment false information in official website, saying: Recently, we found that some netizens with unknown motives posted false information about AII investment projects on some online community platforms, which had a bad influence on our company, seriously misled many AII relatives and affected the healthy development of the platform. The legal team of Ai Investment solemnly declared that this behavior has violated our reputation right and our legitimate rights and interests, which is illegal. We have contacted the relevant community platforms and official WeChat accounts, and sent a notice of infringement.

10 June 1 1 day, Ai Investment official website released the announcement "Restatement on the recent malicious attacks on Ai Investment by lawless elements", claiming that Ai Investment was continuously slandered by unidentified persons in the third-party forum from 22: 00 on July 7th/kloc-0. Not only that, love investment website at noon on June 9 10. Thanks to the efforts of the technical department, the website resisted the attack and visited normally.

On June 9th, 10, Ai Investment has released the "Solemn Statement on Ai Investment's Distortion of False Information" in the website forum, and has reported the case to the public security and other relevant departments. At the same time, a lawyer's letter has been sent through the legal department to the website that reprinted the relevant libel content, and evidence has been collected to bring a lawsuit to the court.

According to media reports, Ai Investment said that it would give a more detailed answer to the public's concerns at the media meeting on issues such as the over-supervision limit of the big standard questioned by the standard mirror and the bad debt rate of Ai Investment.

At this point, love investment has changed from passive to active, and it seems that it has mastered the right to speak in public opinion. However, the Mirror, which has been silent for two days, finally voiced again, but it may be the last time.

1June11June 14:0 1, "Look in the mirror: investigation of Chifeng project" was published, saying: "Statement: this is my last article on investigation of Chifeng project. ?

"Looking in the mirror" wrote in the article, "Neither the risk control personnel who love investment nor Chairman Zhao gave a substantive reply to the core issues (shell companies, sudden capital increase, etc.). ), and did not give exact evidence to refute my question "; "I want to say that I am alone, I don't understand IT technology, and I have no ability and financial resources to launch hacking attacks." ; "Finally, for me to spend so much energy questioning the motivation of loving investment, I give a four-word reply: serious and true."

At present, the post has been read more than a thousand times and commented more than a hundred times. Most netizens expressed their support and learned the true spirit of "looking in the mirror". For example, the netizen "user 6665249442": learning, learning. Lenders should be serious, or they may lose money unconsciously. Netizen "poor patient with terminal cancer": In fact, online loans need real people like the landlord. Investors who doubt the landlord's motives should doubt their motives and tell the truth. If there is something wrong with the landlord's statement, then the platform should handle it calmly. Left and right, it just confirms the doubts of the landlord. Landlord!

Some netizens also expressed more objective views. For example, the netizen "yaqingricky 1985" commented that it has entered the debate stage, but the love for investment is obviously powerless. The reason is simple, there is nothing to do. Is there an objective fact that investors' eyes are discerning? In the internet age, fraud will die, and objectivity and justice are the long-term ways. It is everyone's responsibility to praise the landlord's positive energy and maintain the Internet financial order!

Netizen "scat5" commented at the bottom of the post that this post is objective. Although I was not sure whether the author was selfless at first, at least it discussed the logic of coincidence, and the explanation was well-founded and feasible. Judging from the disclosure content, it should be highly objective. In fact, starting from the first article, I partially believe that there is indeed a problem of non-compliance in Ai investment, at least the problem of risk control. It's hard to say whether it has something to do with itself. After all, these borrowers were established earlier than they love to invest, but it is entirely possible that they are doing some operations as empty shells, so the real capital flow is really doubtful. But personally, it is more meaningful to pay attention to "how to pay" than "how to return" at this stage. Even in the most formal borrowing process, the purpose of borrowing may only be the boss's real estate speculation, or it may not be affordable. Therefore, it is more convincing to fully prove the authenticity and effectiveness of the collateral. I am more interested in whether the mortgage is legal and effective.

The following analysis of the main problems exposed by "looking in the mirror" and the response content of "Zhao" who loves to invest mainly has several problems: ① The borrowing enterprise is suspected to be a shell company, and the enterprise information is suspected to be fabricated. ② Temporary capital increase. However, these four companies suddenly increased their registered capital within 20 days before the loan project was invested, which is really difficult to explain by "coincidence". 3 relationship. Chifeng Wujia Wanjing Property Management Co., Ltd., Chifeng Yuelong Coal Storage and Transportation Co., Ltd. and Chifeng Jiang Run Trading Co., Ltd. are all investment-loving affiliated enterprises, and they are all related to Chifeng Wu Jia Wanjing Real Estate Co., Ltd., a real estate development enterprise. 4 Collateral fraud. Chifeng Wu Jia Wanjing Real Estate Co., Ltd. is an investment-loving affiliated enterprise, providing land or commercial real estate as collateral for seven borrowing enterprises. The ownership of collateral does not belong to the borrowing enterprise at all, and it belongs to collateral fraud.

In response to this matter, online loan industry columnist Wang Shu wrote: "I have carefully read the information provided by the informant and the platform. To sum up briefly, the platform did not respond positively to the risk points raised by the informant, but responded with mortgage materials and payment records as physical evidence. It is worth noting that the logistics company at the center of contradiction is doing equity pledge. I hope that the platform can provide a more powerful material response. " In addition, Uncle Wang suggested: "In the event of such major negative news, the next half month to 1 month is the best time for investment to flee.

Some insiders said that if Ai Investment adheres to the pure P2P model, it is impossible to be "run". The real P2P intermediary has no obligation to cover the bottom, and the money collected is also; Money that has not arrived in the account cannot be withdrawn according to the agreement.

In addition, some netizens posted in support of investment, saying that the problem of "looking in the mirror" is obviously flawed, and said that "in the actual mortgage registration, there is indeed a problem that the mortgage cannot be handled, not to mention the loan process and coordination meeting required for P2P mortgage registration are more complicated, and it is indeed understandable that the mortgage registration cannot be handled in actual operation."

At the same time, this incident has also caused many people in the industry to express their views through the official WeChat accounts such as "The Logic of Making More Money", "bonus hunter Paradise", "Online Lending World" and "One Corner Finance".

On June 8th 10, WeChat official account "Make More Money Logic" published "Love Investment in the Waves", saying that in addition to the love investment event itself, it is actually the reflection and prompt of the whole industry for the loans of large enterprises. During the economic downturn, the risks faced by large-scale bidding are systematic, and problems in several or even one bidding may lead to the platform being in trouble.

10 On June 9th, WeChat official account Online Lending World published Bai Xiaowu's article "Love Investment Responds to Fraud in Chifeng Project, saying that it will invest in legal means to protect its rights", saying that some insiders believe that love investment's current creditor's rights transfer projects have soared, or it has been affected by multiple storms such as online loan quota and legal person change.

Besides, aside from the topic, similar to the crisis public relations handling of Ai Investment in this incident, Ai Investment also caused a heated discussion two years ago because of whether it had the background of the Ministry of Civil Affairs, but the response was equally confusing.

It is understood that from August 2065438 to August 2004, the Emergency Relief Promotion Center of the Ministry of Civil Affairs issued a "solemn statement" in official website: the shareholders' meeting of China Aid Emergency Investment Co., Ltd., in which the rescue center participated, never approved any relevant documents for investing in "love investment", and any investment behavior of "love investment" has nothing to do with the rescue center and the Ministry of Civil Affairs. At the same time that the rescue center issued the aforementioned statement, China Aid Emergency issued a statement in official website, saying that "the cooperative relationship between China Aid Emergency and Love Investment is true and effective".

The rescue center was established on February 3, 2005, and belongs to the Ministry of Civil Affairs. It is a self-supporting social welfare organization, mainly coordinating rescue resources, emergency rescue industry research and training. China Aid Emergency is the comprehensive operation platform of the rescue center.

At that time, the chairman of Ai Investment and the legal representative of China Aid Emergency were both Zhao. Official website materials of China Aid Emergency also show that Zhao is the general manager of the company.

As of today, love investment has been pushed to the forefront several times, and I don't know the subsequent ups and downs. I can only wait and see. As for the impact or thinking brought by this incident, perhaps the article "Love Investment Incident, Enlightenment for Investors" published on WeChat on June 5438+1October 65438+1October 0 can give you some reference: outsiders can't comment on the merits of this incident. However, this incident reminded the platform and investors that it is very important to verify the authenticity of the project, and a * * * identification mechanism must be established to verify the authenticity and quality of the project!

In the face of the surging wave of public opinion, what should I do if I love investment? Beijing Internet Emerging Economics Research Institute believes that, first of all, in response to the problem that netizens broke the news, love investment should make a reasonable voice as soon as possible according to its own situation. Be careful what you say and do to convince others. In order to avoid offensive remarks, attitudes should be respectful and stable. Because netizens also represent investors, if you oppose them, that is, you don't respect the investor group, then netizens will be more likely to gain sympathy and incur public anger.

Secondly, in response to questions from netizens, if the situation is not true, Ai Investment can argue and explain clearly and speak for itself according to the facts it has, without involving confidentiality or publicity; If the situation is complicated, don't be ambiguous when you speak or speak, otherwise you will be more likely to fall into a passive or unfavorable situation.

Thirdly, while making a sound, Ai Investment should also take into account the emotions of its own platform users, investors, customers and stakeholders, and give timely and proper appeasement and treatment to avoid panic or more serious crisis events.

Finally, no matter whether the situation is true or not, love investment should correct its good attitude, face doubts and problems, reflect and investigate quickly, correct if there is, encourage if there is no, give a satisfactory answer and explanation in time, make itself standardized, establish a good image of being bold and responsible for the industry, and thank netizens, investors, the media and all walks of life for their supervision.

In addition, from the perspective of public opinion disposal, Mutual Gold Public Opinion believes that loving investment needs to practice its internal strength from other aspects. Generally speaking, it mainly focuses on the following points:

First, regardless of the outcome of this matter, it is an event that cannot be underestimated in the online lending industry after the implementation of the policy. After all, loving investment is not a small platform. At the moment when the industry is becoming more and more rational, people will have some "lessons" for themselves and the industry.

Putting aside the investment event itself, tracing back to the source is still a question of "credit" and even "good and evil" of human nature. In the legal system or contract society, "credit" has a premise, that is, first make an assumption of "evil" for people, and then use the legal system or contract to regulate or agree to "abandon evil and be good." According to this logic, then anyone can question the "authenticity" of people or things he doesn't know. So it is natural to look in the mirror and say "serious and true".

Second, there is no need to avoid it. At present, it is a society lacking in "credit". Internet finance companies are naturally above the "window" because of their Internet attributes. Even if they are cautious and keep their credit, they will inevitably be "polluted", not to mention "defects" in their operations and even "violations" on purpose.

As far as investors and the public are concerned, the return on investment of internet finance is indeed attractive compared with banks. Faced with this temptation and possible "trap", it's really a bit of a dilemma.

This is the same problem faced by the platform and investors. At present, "conscience" can be summed up in two words: no solution.

Third, "you must tie the bell to solve the problem." Since Internet finance was born from the Internet, the solution to this problem can only rely on "Internet" means. Although it can't be solved from the root, it is a way after all.

Since the appearance of online lending, we have seen that although investors are the foundation of this industry, they are always hurt.

At present, there are two ways in technology: first, it is best to put an investment inquiry system on the platform and put it on the homepage of the website for investors to use. The platform issues bids, and investors can check the borrower's situation through this system, so that investors have a "bottom" in their hearts.

But this query system cannot be developed by the platform itself, that is, it must be a third party. In today's society, only third-party things can have some credibility.

Second, the platform should also have a platform-related query system that investors can use to query the platform. This is equivalent to the platform putting itself on a "naked exhibition", which is a bit "cruel" and a bit "unbearable", but it can show that the platform is very emboldened.

Of course, this query system cannot be developed on the platform itself, that is, it must be a third party. In today's society, only the authority of the third party can have some credibility.