After a year's clean-up, although there were twists and turns and even pains in the process, at the beginning of 65438+February, the P2P platform had completed the clean-up goal. After the once brilliant 13 years, the crazy and controversial P2P officially withdrew from the historical stage with a tragic curtain call.

It took about 13 years to leave from prosperity to loneliness. In the name of innovation, it meets the needs of both borrowers and lenders. Coupled with the blessing of hot money, P2P once became the "toon" in the eyes of the market and investors. But everyone seems to forget that there is a recognized truth in the investment field, that is, the greater the income, the greater the risk.

The data shows that in the first few years of the platform, the investment income of investors was about 20%, which was affected by the strengthening of supervision and the rectification of the industry, but the income still reached about 10%. Such a high rate of return should be the top investment product at present. Many investors, out of luck, think that they will not be the last taker, and always want to share a piece of P2P. So many people have invested in P2P, because they enjoy the investment risk. This gambler's psychology completely values the high profit of P2P.

P2P platform is actually a financial platform, also called peer-to-peer lending, which refers to the company as an intermediary to connect borrowers and borrowers to meet their respective lending needs.

It is undeniable that P2P is indeed a better financial product. Investors and borrowers have established financial links through the platform, and investors have made money, which is convenient for borrowers. However, due to regulatory issues, there are many chaos in P2P, the most typical of which is to misappropriate customers' funds privately. The life of P2P executives is corrupt, their salaries are ridiculously high, they are extravagant, P2P runs frequently, and platforms explode one after another. Half of the reason is that there is no supervision and the platform misappropriates customer funds privately. The other half is that the borrower can't repay the loan interest on time. Some borrowers take the opportunity to "maliciously evade debts" and wait for the capital chain of P2P platform to break, thus avoiding repayment obligations and aggravating the risk outbreak of P2P platform.

It is of little significance to discuss the rise and fall of P2P now. The most important thing is the P2P "endgame" after the bleak curtain call. How to clean up the endgame is the most concerned issue for investors.

According to public data, after P2P cleaning, investors still have more than 800 billion bad debts, not to mention investment interest. Whether the principal can be recovered now or how much it can be recovered in the end is not clear.

From the current point of view, how should lenders protect themselves? There are three main options:

The first option is to get back all the principal and interest.

It is difficult for investors to get back all the principal and interest. As a platform for investment and financial management, there must be investment risks, which also requires the state to supervise the commitment to protect the capital and interest of the P2P forbidden platform, that is, to let investors understand that investment is risky and prepare for investment failure.

Now, for some platforms that run the road, it is basically impossible to get back all the principal and interest, and it is impossible to go to court. There are risks in entering the market, so investment needs to be cautious. Investors still have to bear the consequences of their investment. If p2p belongs to mine clearance, investors have little chance to get their money back. Even if the investigation is finally broken, the money that can be recovered is only the tip of the iceberg.

Therefore, investors should be cautious about the first option. After all, the most important task at present is how to reduce losses and recover investment as soon as possible. It is basically impossible to get back all the principal and interest in full.

The second option is to get the principal back without interest.

At the beginning, it was the high return of the platform that attracted investors' venture capital. Now that the platform has retired, everyone has no hope of high returns, and instead hopes to recover the principal.

Although there is no authoritative figure to prove the borrower's overdue rate, in many ways, the borrower's overdue rate is indeed not low. Even if the borrower fails to repay it within the time limit, it is difficult to get back the principal. After P2P was cleaned up, many able borrowers stopped paying back and waited and saw with money, with the ultimate goal of "escaping debts" in the chaos.

The third option is to get back part of the principal at a discount.

Although the lender can recover the investment at a discount, the huge loss is unacceptable to investors.

For example, everyone's loan has opened an emergency channel, and the principal can be landed at a discount of 6.5%. Refuse or reduce the loss quickly? This is a difficult multiple-choice question in front of the 6,543,800+8,000 per capita lender. If you want to go ashore right now, not only will the high interest rate you hope to get become a bubble, but even the principal will bear a loss of up to 35%. It hurts to think about it.

At present, getting back part of the principal may be the best choice at present.

Speaking of the bitterness of borrowers, it seems that borrowers are in a good mood. There is a good saying: all those who owe money are uncles. This seems to be confirmed in the P2P cleanup storm.

Does the borrower still need to pay back the money after the P2P liquidation curtain call?

It is natural to pay back the debts, and it is necessary to pay back the money, but it is troublesome in P2P.

Professionals frankly admit that most domestic P2P online lending platforms are actually doing credit business, and people who will borrow money from online lending platforms are basically people who can't borrow money from banks, and they are all customers that banks can't afford to lend.

Facts have proved that most borrowers only have the ability to repay interest, and rarely settle the principal and interest. Seeing the platform exit or thunder, some borrowers seem to see a good opportunity to default and try their best not to pay back the money, even if they have money. They know that the industry is not standardized, the platform is closed down, and they are unwilling to return it. However, the P2P model is a small amount of decentralized lending, which makes the collection of P2P platform extremely difficult and costly. If you go to court, the cycle will be long and it will become more difficult to collect money.

Write at the end:

Although P2P has been cleaned up, we investors have left a lot to think about and need to learn from experience and lessons. Some wise words should be memorized by heart, carefully follow the market rules, and remember that the greater the income, the greater the risk, so as not to be bypassed by various complex innovations and avoid blind investment.