In fact, since 13, these platforms have appeared at an abnormal growth rate of 1-2 every day. The problem of insufficient supply and demand of market currency is gradually emerging. However, with the bright future of Internet finance, the country thinks that this is just an accident, not the norm, and it is not a p2p problem. The country does have reason to think so, focusing on the overall situation and the overall situation of economic development.
And what waves can this p2p platform's "funding crisis" cause?
According to the data, Articles 2 and 9 of the Interim Measures for the Management of Business Activities of Personal-to-Personal Lending Information Intermediaries (Draft for Comment):
(2) directly or indirectly accepting and collecting the lender's funds;
(9) Deliberately fabricating and exaggerating the authenticity and income prospects of financing projects, concealing the defects and risks of financing projects, making false one-sided propaganda or promotion by vague language or other deceptive means, fabricating and disseminating false or incomplete information, damaging the commercial reputation of others and misleading lenders or borrowers;
Obviously, some p2p platforms have violated the corresponding national norms, fictitious users' funds, fictitious borrowers, and exaggerated the project revenue prospects ...
But in the end most of the results are unknown.
The following are the strategies adopted by some platforms at present:
According to my investigation, at present, some platforms visit relevant departments to see if there are any solutions;
On some platforms, everyone uses some WeChat applets, such as Qian Hao, to sign the same document with their mobile phones. On behalf of the unified arrangement, and then sent to the relevant departments; (I also hope that everyone will actively make suggestions and respond to these institutions with their real names. )
Some call, some contribute to the website;
Wait a minute.
I did everything I should try, and I shouldn't try. Then there is "wait".
What I really want is a response.
Whether in the initial stage of audit, supervision stage or final investigation stage. I hope that there will be a "serious" channel while being transparent and open. I believe that the country can give everyone.
We protect our rights according to law and hope that the law can protect us.
Should the masses accept the corresponding financial knowledge?
So that they are afraid of financial management, so they put all their savings in the bank, which will not promote consumption and stimulate national economic growth. This time, the number of victims is estimated to be tens of millions, and the radiation range is the most serious in Jiangsu, Zhejiang and Shanghai, and the amount involved is at least several hundred billion. If the masses can master the relevant knowledge before accepting investment and financial management, they can better understand whether the signs of "investment needs to be cautious" (such as "smoking is harmful to health") exist. Promote benign investment.
processing method
I remember that the first case of Internet finance at that time, Ali Small Loan, finally won the case, and the old party paid immediately and paid all the litigation costs. The verdict is true and decisive. So I think these platforms, which are actually implementing financial fraud and fund-raising under the guise of p2p, should be a hell to pay the price.
I wrote this article not to bury p2p, but to play its own value. Because the current situation is not what p2p pioneers such as "Mohammed" or "Tylenol Bank" are happy to see, nor is it what the country is happy to see.