In the past two days, e-renting treasure has appeared again, but it is no longer the "pseudo-ditch" mode of throwing money all day and propagating it everywhere. On the contrary, it was officially characterized as an illegal fund-raising crime two months after being caught by the police. In other words, e-rental is dead and has been severely squeezed out of the stage of Internet finance.

From the beginning of 20 14 to the rise of 15 P2P, millions of people poured into internet finance, but they couldn't hide the momentum of e-renting, always running at the forefront and picturesque. However, even if they have been to CCTV and voted for subway advertisements, the superficial camouflage can't cover up the inner unbearable.

It's not, get up quickly and fall faster. Poor is a group of cheated investors.

More than 70 billion transactions, 50 billion actual illegal gatherings, 900,000 investors, and 800 million monthly salary ... These figures all make meaty feel incredible, incredible, and incredible.

Although it has come to an end, the existence of the e-rental event cannot but make people reflect. How did such a huge "monster" appear?

As we all know, as early as a few years ago, finance was still finance, and the Internet was only a product of the times. But under the call of a "internet plus", the Internet has become the core connecting everything, and the combination with finance has become a very natural thing.

In an innovation, the financial industry, which once had strict rules, entered the Internet. The Internet has no strict boundaries and is naturally unrestrained. In the process of integration, there will inevitably be stumbling problems, and the institutional system of Internet finance is also under construction, but it has never kept up with the development speed of the Internet platform. It's like a lion that has been domesticated. When it goes into the wild, it is bound to be released. You will throw a piece of meat and call it back in a short time. Do you think it will be reasonable? He's long gone with meat in his mouth.

The growth process of internet finance is full of barbarism and rudeness. In this period of excessive innovation, because it is too fast, there will naturally be many loopholes. Won't an opportunity like e-rental cheat? !

In China, where scams are constantly emerging, all kinds of reports are commonplace, so it stands to reason that the awareness of prevention should be quite high. However, there will still be nearly a million people who have stumbled on the e-rental event. It is precisely the existence of these investors that makes e-rental become a financial "monster" that illegally attracts 50 billion yuan.

They are the most direct victims, and some of them are their own responsibilities. "Starting from one yuan, redeeming at any time, high yield and low risk" is the slogan of e-rental. In fact, if you have a basic understanding of P2P at the beginning, you can get a glimpse and make a simple judgment.

According to the published policies and regulations, the P2P lending platform itself can only be used to provide information and matchmaking, without the right of guarantee and commitment. From this point of view, e-Rent Bao's promise to protect capital and interest is simply a big talk. It won the public's psychological recognition with a verbal promise that has no practical effect, but it is irresponsible in the end.

It has been said before that finance has its own rigorous attributes. The reason why there is such a judgment is precisely because financial products are inherently risky. No one can say that finance is sure to make a profit, let alone make a guarantee when the rate of return far exceeds other financial products.

The annualized rate of return of e-rental products is between 9%- 15%. We often say that risks and benefits coexist and are in direct proportion. For example, if a person saves 10W in chestnuts, it will be 1W5 after one year (more than many people's year-end awards). Why do you need the stock market when profits are so good?

As we all know, the stock market is risky and investment needs to be cautious. The same is true of other financial products, but the risk is high or low. To put it in the harshest terms, since you have made an investment, you must be prepared for the risk of not getting it back.

Remember "the first beauty president of Internet finance"? Remember those beautiful executives who often appeared in CCTV programs last month? In the end, it is just a face after beauty. Only under the irradiation of real reality did she see her ugliness clearly and deceived everyone's eyes with a disguised tall image.

With the money we cheated, we constantly squandered on the gorgeous clothes of the staff. Now that I think about it, it is too exaggerated, but it caters to the impetuous environment of this era. People only see how much money there is, but forget to ask, "Why is it so unreasonable to have so much money?" "

Another real reason for being cheated is that 95% of the fake projects have been found out recently. Most people's businesses and guarantees come from the group to which e-Rent Bao belongs. It's a one-stop self-service How many people can risk breaking the law to avoid it?

In any case, the road of self-destruction of e-rental treasure has finally come to an end, but the P2P industry is still evolving. With the emergence of the e-rental event, the P2P industry system will inevitably get unprecedented attention, and under the perfect policy supervision, P2P is also moving towards regularization.

After the P2P chaos of 20 15, 16 will also be the key period of P2P adjustment. P2P, which will survive in the future, will be a new force to promote the whole industry and even society, and it is an indispensable and important part. For investors, boring bacteria want to say, keep your eyes open, see more and listen more, don't be too vain, and continue to work hard.