edit something to say
new things, try the premise is to control risk.
P2P net loan investors
high-Tan
Someone with a credit card cash this The evolution of prime borrowers for shareholders]
If you have a spare cash, do not want to put the banks to endure the pain of devaluation, then the P2P network loan is an alternative way.
P2P net loans small loan transactions completed through the network platform. Currently has more than 2,000 P2P networks Lending. Data shows that the first half of 2007 to 2011, the overall size of the network financing rose from 20 million to 60 million.
loan quickly and prosperity in the P2P network behind some of the Someone with a credit card cash this
credit card cash investors
new workplace Li Xin’s main investment is P2P loans, lending money through the network platform, a month to earn interest.
Li Xin in terms of the benefits of this investment a lot: First of all, it is not like real estate or trust and investment needs huge capital; Second, unlike the stock investment as volatile; third investment benefits – almost
recent interest decreased a lot, probably only get an annualized 18% interest; last year, 24 percent, .
reporter learned from several large-scale P2P net loan-to-platform, the investor’s annual yield of 10% to 22%.
in accordance with the relevant provisions of the CBRC, the interest rate higher than the bank lending rate four times or more belong to usury. The excess is not protected by law. Six months of short-term loans of the central bank benchmark interest rate 6.1%, 20% interest rate just within the scope of the benchmark rate four times.
P2P net loan platform in order to encourage the borrower, but also to each borrower about 1% of the award. So doing, the general investors, the annual yield can reach 21%.
Li Xin month lending of $ 70,000 for a period of one month, the annualized interest rate of 21% monthly interest of about 1245 yuan.
the most important, Li Xin is almost a business without capital. Work soon, the deposit, so many credit cards through overdraft to invest in the P2P network loan of 70,000 yuan, 40,000 yuan with six credit card cash to.
fact, is to use a credit card 50-day interest-free period, as long as the borrower within one month will be able to borrow, the interest payment period prior to the arrival of paying the money on the line.
to do so than Li Xin a, these people even composed QQ group to discuss how to quickly improve the amount of credit card lending, Which credit cards better.
An industry source told reporters, a lot of young professionals in the use of credit card cash investment, but this way more and more difficult as the credit limit by the banking regulatory
are interested in, then you can also try to do some pretty interesting. However, most people worry about: in case the lender maturity repayment of principal are wasted?
Li Xin these investors tend to be skilled users of 80 after the computer has a good network of social relations circles, the courage to try new things. But investment inexperienced they did not attach too much importance to the risk.
P2P net loan had just begun when, we are particularly careful. Seeing a period of time has passed, not yet a major risk event, and everyone began to relax their vigilance. told reporters.
Li Xin often borrowing
site
‘s a guarantee company, the event is unable to repay by the payment guarantee company. Of course, the industry view, investors relax their vigilance may make the hidden risks of P2P loans. P2P sites guarantee company may guarantee qualification is not enough leverage to use too much; some P2P sites due to the lack of risk control capacity there is no lack of risk of bankruptcy.
high returns must be behind the corresponding risks. In July 2011, established only two years I loans once announced the closure of the platform known as In September 2011, the CBRC also issued
from the borrower to shareholders
network borrower is the only configuration on a fixed income, the return of other species does not exceed it. reporters.
white faith theory has more than 10 years of financial industry experience. In September last year, he was exposed to the loans of the P2P network.
to develop an understanding of a P2P net loan-to-platform, white faith theory try to invest a few million. Borrowing a few pen, he felt that the risks are controllable, and put the funds added to the 30 million.
white faith theory choice P2P net loan-to-platform commitment to provide 100% principal guarantee, this way, he eventually chose it to VIP users.
Other investments are losing money, this investment has become the biggest surprise of last year.
situation last year, the benefits must be greater than 20%, but this year the return has dropped. lack of high-quality borrowers.
P2P net loan borrowers are mostly banks unwilling to lend the individual or company. They usually do not have guarantees or collateral, and even his true identity is not clear and reliable. A P2P net loan company official told reporters, there have been registered borrower to a full set of fake ID, account.
However, because the site offers 100% Guaranteed commitment to investment in microcredit circles, few examine the borrower’s credit status and use of funds, many investors saw revenue more than 20% to immediately tender the mouse the slightest hesitation, and lost opportunity.
white sincere mind the risk of awareness string very taut. Once lent a large amount of money, he also dedicated fax account, ID, business license, and central bank credit to their borrowers.
the end of 2011, the white faith theory frequently used P2P net loan platform to increase their investment, he felt P2P borrowing prospects, it was decided to do the shareholders of the site.
acquisition of 33% of the premium.
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