Ease credit, network credit industry in life after life

How to bid for more money

1, how toInterest ratesProfit maximization
Maybe a lot ofInvestorHave such doubt: investment can improve immediatelyFundsThe use of efficiency, but may not vote to high rates of standard; for a period of time may be subject to interest rate, but need to empty a few days can not get the interest. How to choose?
At presentPeace of mindLoan interest spreads to calculate 17%~18%, six months of 1%, equivalent to 10.2 days of the vacancy rate. That is to say if within 10 days, subject to 1% higher than standard, immediately investment to earn, but in order to as high as 1% standard, etc. more than 10 days, is lost.
2, compound interest income, investment when doubled
At the rate of 17% to 8% members, privilegeCostIn a secure investment, when to double?
1 years 2 years 3 years 4 years 5 years
10000 11564 13372 15464 17882 20679
In accordance with the above calculation, should be able to double in fifth years. But the need to ensure that the principal and interest to continue to invest back. I feel the automatic bid function is relatively easy to use.
But the younger brother of the return on investment is much higher, the preliminary estimates during the first half of this year reached 60%, the main reason is the first half of the year or put the money in the safe loans, I used to buy stocks, ha ha.
3, the same rate of standard time, the shorter the better?
18% of the standard, basically is 5 months, 6 months before being cast. In fact, the length of time of choice, there is another factor to consider, is the trend of the interest rate. For example, at the beginning of the year, ease lending rates from 24% all the way down, threw a year 24%, than for 6 months to make, because after half a year not so high interest. As interest rates to judge, is a technical work, related factors: now the economic cycle is interest rates down stage, especially before the end of the year first half rates upward, temporary policies such as the deposit rate, deposit loan ratio, also have the effect of the small and medium-sized enterprise loan ratio evaluation.

Peace of mindThe loan guarantee way
When the borrower to the repayment period not reimbursement, ease credit customer service staff will give the borrower to telephone, to understand the specific situation, if not the accidental factor, we will ask for repayment in 24 hours, and make a written note. If the borrower's financial problems arise not normal repayment, the loan system will be included in the list of bad debts, system background and ease the loan will be automatically sent to investors "mailbox and message in the system of assignment of creditor's agreement", investors only need to click on to confirm it. But peace of mind - upon confirmation of receipt of the user's reply, in accordance with the contract, the privilege of membership in 24 hours to give compensation and the general membership in 30 days of compensation. This compensatory time began to ease credit confirmation letter received user's computing time. Because only the user will the loan creditor's right to secure loans to ease the loan after loan compensatory, comfortable with these claims to prosecute or punish the loan.

Talk about other net loan to some popular standard give you tips

  The first, second standard. This standard is very popular in some platforms, such as SR PPD, what is the second standard, isBorrowerA standard, a certain amount of certainInterest rates,InvestorAfter the establishment of investment subject, back immediately. Some people will say, this is not to send the money? For, is to send money. It is crazy ah, why should they? There is no free lunch ah, a lot of platformRechargeFor a fee, the fee is, therefore, not so simple gratis, second standard is in order to attract investors put money in the website. What platform, that lack of money, lack of investor. Therefore, you also know that there are much risk.
  Second, the turnover target station. Individual website also called what net label. Also known as the Yellow Cattle standard. Is an investor itself invest a certain amount of money on the site, the site in accordance with the investment of investors, given certainLoanLimit, this limit must be less than the amount of investment, is simply more insurance means. Then the standard used to do what one is temporary, investors money, use this standard put money turnover; two is the leverage amplification, investors investment amount. For example, an investor has invested 100000, website and give him 70000 loan amount, the investor through low interest rates borrowed after put out to higher rates of standard. The most typical is PPD. Some people may ask, why investors will vote for this standard, not cast high rates of standard. In the case of PPD, but not without poly (say is guaranteed, as a matter of fact and not guaranteed). Not willing to bear the high risk customers for this standard, compared to other standard termsSafety. In fact, this is the site is not responsible for the performance, take all the risk, of course, individual investors to obtain excess profit through the way of. However, as the stock market, only a few people make money, most of the people are losing money.
    All these things is the blind expansion and the product of net credit of the game, as a serious investor, I don't suggest that we do these standard, investment such website. This final piece of advice, don't covet the high interest rates, the first principal of investment is the first.

P2P net loan investment entry - reprint

P2P - how to invest? How to control the risk?
What are the costs?
P2P net loan to investment costs mainly come from the capital and out of P2P net credit company recharge and cash expenses, sites charge bidding management fees, as well as the VIP customer service fees.
The higher interest rates?
As the P2P net credit company mostly committed 100% principal protection only standard, many investors in the investment is the subject of income.
"In fact, like any investment, higher income may imply higher investment risk. At present the P2P net credit platform yields vary greatly, to some extent, reflects the degree of trust investors on the platform, often the greater the fame of platform, gives the income is low; the little-known platform there is a high income." net credit company responsible person Xu Hongwei told the "financial" daily of the first finance and economics.
The need to consider the platform risk?
The answer is, necessary. Investors also in reference income, also need to consider the risk and system risk.
Previously appeared on the P2P net credit company because of the risk of poor control of the near collapse of the situation. In July last year, which has 100000 member ha ha credit business will cause waves. Although ha ha credit due to obtain financing to normal business, but the events are warning significance to all net loan investors.
"100% security principal" reliable?
A lot of small loan website commitment to customers 100% security principal, however the risk control mechanism of each site is different, the principal protection is reliable?
Once the repayment is not due to the website, with special funds for the team, for capital punishment.
However, capital recovery situation is not ideal, according to some published on the website of the capital recovery ratio, recovery ratio of about 30%~40% between. That is to say, much of the money and not through the recovery going back to.
When the loan is still not recovered, can be roughly divided into two types.
The first is a Guarantee Corporation secured to the case, must by the Guarantee corporation investment repayment. So many websites often have the advance commitment.
For example, a web site this month's loan balance is about 100000000, and its Guarantee Corporation, registered capital of 10000000. Look the site's borrowing is very safe. Because according to the historical data of the website, historical bad debt ratio of less than 5%, that is to say if the loan scale is 100000000 yuan, then the bad debt is not more than 5000000 yuan, the Guarantee corporation capital scale is far greater than the rate of bad loan.
But, notably, bad debt rate is the historical data, and the event of systemic risk, the rate of bad debts may be more than statistical data.
Another case, some platform no Guarantee Corporation guarantees, but also promises to pay principal 100%, once this kind of site in the event of bad debts, will be paid by the site's risk for extracting gold and profitability website.
The biggest risk in this case is the scale of bad debts inadequate control led to bankruptcy.
What is the "guarantee", "credit" and "mortgage"?
The borrower will loan demand hanging called loan subject on the Internet, but the most common is the "guarantee loan standard standard", "credit standard".
With credit issued loan nominal "credit", in simple terms, credit standard is a kind of unsecured unsecured, all by the borrower credit loans.
Released by guarantee limit borrowing nominal "guarantee", guarantee standard is made by other members of the site security, once the risk of bad debts, the guarantor is joint and several liability.
Prior to the P2P net credit platform gradually realized platform assumed too much risk of bad debts, and gradually increase the mortgage loan subject, which is "the object of mortgage". But in some website, "credit" includes "mortgage".
"Guarantee" safer than the "credit"?
"Guarantee" is better than only personal credit loan "credit" more reliable?
The answer seems to be negative, bad data according to a P2P net loan guarantees and credit standards published, security standard of bad debt rate is much higher than the credit scale. Since this year, the site of the credit scale bad rate below 1%, and guarantee the rate of bad debts is more than 5% standard.
Xu Hongwei thinks, credit standard because no guarantor should have a greater risk, but because the majority of sites of credit marked with 100% principal security commitment, the risk of actual by the site to bear, so the website for more stringent credit audit.
"Seconds" whether to have investment value?
"Seconds" refers to the loan period was within 24 hours of the day after the repayment, repayment of the loan to immediately after the success of the standard. For a second, namely full repayment immediately after the mark mark.
"Seconds" can be comparable to that Taobao launched "Seckill", for the P2P net credit company can maximize the lessons popularity and funding.
"Because this kind of standard loan period short, the risk small, similar market promotion red hair, very attractive for investors, and now there are even investors exclusively using software to grab seconds mark, specialising in seconds mark." Xu Hongwei says to the reporter.
Of course this subject because the amount is small, short duration, for some of the larger amount of funds investors is not attractive.

Network lending industry in life after life(I)

Author:Wjzfirst

The original address:Http://bbs.yesmyloan.com/forum.php? Mod=viewthread&tid=18718&extra=&page=1

In Chinese, lending model from introduction to now, but a short span of 5 years, net credit platform is said to have hundreds of platform, and the platform can gain very little, facing the present situation of industry overall losses, the new platform still fought on the old platform, also to the expansion, the rapid expansion of the scale of the transaction the accumulation, systemic risk in the growing, and the participation of the net credit platform, net credit investors, net loan borrowers and even the third party payment platform will always enjoy it, it is time to pour cold water:

1The development course, net credit:

The concept of network lending, loans into China, strictly in line with the identity of the intermediary, in order to avoid the system risk, do not assume responsibility for security, although has been criticized by investors, but let many people believe that network borrowing is not a dream, has maintained steady development;

But Hong Ling see limitations of this mode, introduced the advanced concept, in order to attract interest, also invented the concept of second mark, in ppdai injured investors quickly accumulate in Hongling arms, the platform development is quite fast, but to a certain scale of development, also realized the great system risk, system risk introduce the investor guarantee standard concept to share the platform, in the initial stage had a positive effect on the transaction scale expansion, but also bad for investors who eat crab.

A number of sensitive people see the hope of profit from the red ridge pattern, have established the ESD, 365, SSD, 808 platform (the platform very unlucky), early in business development, rely mainly on mining Hongling original investors and borrowers to increase trading volume, the independent development of the borrower and investors rarely, a common drawback of these platforms in the early stage of development is: the borrower resources is very weak, which caused the audit system exists in name only, the emergence of a large number of multi platform of borrowers, in order to attract borrowers, the platform for the amount of a home, but investors also came from the red ridge, so the pursuit of interest rate must exceed Hong ling. If credit is a drum spend game, red hill is successful, Hong Ling to thank these subsequent platform, let it take it leisurely and unoppressively to pressure test, the multi platform borrowers credit decrease and increase the guarantee amount, the risk transfer out, these subsequent platform under enormous pressure to advance and investors questioned, began the transition to the independent development of the borrower, its characteristic is to these independent borrowers with high loan amount and the relative information is not transparent, net loan to the whole out of the concept of micro loan.

And another group of people found in the core competitiveness of net loan borrowers audit, so set up peer-to-peer lending, little credit as the platform, the platform was established initially, relying on strict audit, abide by microfinance concept, successfully put the overdue rate control in the ideal range, especially peer-to-peer lending, rely on the central bank, CCTV and other institutions, media cleverly Gong, to let more people know and accept the concept of net credit to borrowers, relying on high charges, press return of investors and so on, clever survival and development, but the high cost of developing and managing the microfinance borrowers, so the peer-to-peer lending also started the transformation development of large borrower. Then known's mistaken judgment net credit rational investor, that net credit investors can return accept about 15% years later, the first to peer-to-peer lending, borrowing, very well find borrow money immediately to open his own net credit platform, such as non honest do not loan,The credit system, do not struggle for a long time to prepare, now in eating.

At the same time, another group of people, the name of a net credit platform, a substantial shareholders(Note: I say money similar to the stock market quanqian behavior, not to say to Run away while running, but in order to attract investors, is likely to yield higher undertaking, policy risk of this kind of platform, a suspected illegal fund-raising, certainly in the Chinese, as long as the scale and group are not too big, ZF also one eye)These people, including Guarantee Corporation, lenders, such as secure loans, certain online, Zhongbao, happy - as the platform, and even individual borrowers(such as Baer venture capital, that is fraud, and the platform nature completely different)These platforms, a magic weapon for survival is earned interest (from the intermediary platform on the survival of course fee, net credit to rely on fees difficult survival), common characteristics of these platforms is almost zero overdue, and the scale is expanding, the general investors on the real operation situation is difficult to grasp, is the advantage no risk to bear overdue, early in the platform for the development of the smaller risk, and once the business cycle downturn, investors run, real bad debt rate broke out, will be doomed eternally abyss.

Of course, there are a lot of new platform, just to make a conceptFirst, regardless of the consequence, the platform is established, there is no real borrowers, borrowed money to own or affiliated enterprises turnover, or lose interest Xianfang with borrowed money, or developing a little true borrower faces, this kind of platform for the purpose of more complex, for the normal operation of their own enterprises the absorption of social credit; look forward to future national pay net loan to license, to protect a taste; also want to do good reputation sell a good price; this kind of platform belongs to high risk platform, we must polish eyes identification.

Of course the cheats at the Internet - this fat, many investors can not withstand high yield to the temptation, which helped Baer venture, angel, ant - and gold - a liar, liar will not long but, harm to others.

Two, net credit platform chaos:

1, the lack of supervision and restraint mechanism:

The early development of net loans, investors do not have too much discourse right, this can be from ppdai forum can be seen, cursed, but basically ineffective, big is the qualification, but willing to scanty person investigation results sharing, I joined a group called platform automatic withdrawal group, the reason is my investment 1W, and enter the group condition is to invest more than 10W; I have written many suggestions on a platform, but no echo; I have questioned the fictional borrowers in forum posting, soon be delete; with the third party platform development and growth, investors say increased, but the overall still in a weak position, the supervision of investors on the platform more in the supervision of public opinion, the basic no supervision capacity of substantial investigation, see data is filtered information, and self constraint platform mechanism exists in name only, change the rules of the game, is basic to a is a; and the current funds the third party supervision is a beautiful lie;

2The second standard exist everywhere:

Platform released second standard is more for advertising or absorb the funds, and investors have gradually accepted the idea, but the huge risks still exist, the second standard now has another two effects: collapse of investor, dispersion of investor attention (this I often meet, in the group when questioned a problem the platform, or adverse opinion, most investors hold the mentality of looking around, when the manager can't cope with those voices of doubt, said a second mark, onlookers investors immediately active, no longer take criticism seriously); the second is the platform is easy to use and second standard through the long-term or short-term liquidity crisis: everyone in need of cash, and credit is the lack of money, if the platform of short-term cash flow problems, easily through the second standard this part of resource lock live, and this encouraged platform manager to do risky investment, once the chain reaction, the consequences be unbearable to contemplate; at the same time seconds mark can also create conditions for Run away money (many people may forget the angel Run away centuries through); while the second standard aggravated the platform by Camp cost burden, systemic risks.

3The vest, and trumpet exist everywhere:

Vest action net credit platform is mainly to soliciting, often disguised to mislead investors, its highest level is as long as the famous is good, no matter good or bad, the problem is especially serious in the new platform, a lot of platform vest group, advocacy and Huyou investors, and investors to trumpet is very exaggerated point, often in order to seconds mark register several number, this result to the market in the number of severe flooding, Infernal Affairs and also in the transverse platform, people can see things in a blur, recently networking credit platform software developers are actively involved, the interest group to each other;

3,Between the net credit platform occurred from time to time to attack each other:

I began to realize net credit in ppdai, compared the 3 platform, ppdai, peer-to-peer lending and red hill, the impression is the worst red ridge, because at the time of the forum is "Top Posts please Shanghai a platform executive pay attention to their own speech", what do not understand the antecedents and consequences, but very disgusted platform attack each other (I'm not to find the right platform, to red hill, red hill I see net loan to hope, to increase investment); now the platform running more complex than ever before, means more diverse, if to maintain the wind industry is not able to net credit platform, the net credit of the future may be more miserable than online shopping now;

4To be accustomed to the borrower, virtual:

I define virtual borrowers include:The platform itself, platform loan shareholders through the platform loan,On the borrower's standard free resolution,Can find a vest borrowing, most investors acquiesce to the previous three cases (the first two completely off the net credit platform in the intermediary role, both lenders and borrowers to these third funds between investors and borrowers are separated, no direct link, a suspected illegal fund-raising), in fact, the risk is very high, the new platform you can use this loophole free money, reach 空手套白狼 objective, if it does not run down close leave, anyway is not cost free, and find a vest, borrowing, too big impact on reputation, but it is not easy;

5, netNetwork security technology is weak:

Recent network hackers to transverse, net credit platform virtual recharge, steal the investors and borrowers personal information (I believe that my personal information has been stolen, and technical personnel of the same nominal many platform, take an oath devoutly is of no use), these risks to investors fully exposed to potential(the netizen can directly enter me in some platform account, and my account details. To me, and even can enter the background change my account balance, these are my authorization show me, modify the funds should be illegal things, don't let demonstration);

6, the third party payment platform seek nothing but profits:

Net credit has characteristics of high mobility, so the transaction is very frequent, which gives the third party payment platform provides tremendous business opportunities, and the possibility of self-discipline in front of the interests of the very small, gold credit event ring - payment can not shirk its responsibility, but the future will certainly continue to appear more advanced than gold credit fraud, they is concealed and operation cycle is stronger, to rely on third party payment risk isolation effect on space platform.

Three, crazy and blind investors:
1, the voice of reason no market space:
Now the main form of communication net credit is the QQ group, and the voice of reason to precipitation can be expressed, does not fit in the QQ group communication, and you will master the discourse right (I recently also often spam); I still like ppdai, because investment in ppdai need strategy, need to think the ability to discern, need and the ability to bear the risk, and the ability is not needed in most other have advance function platform, investors need to consider is the platform system risk and interest level match on the line, no need to pay attention to the borrower demand and capacity, which resulted in a tremendous pressure to the platform to meet the needs of investors, interest pursuit (ppdai investment is not afraid of platform collapse, afraid of platform work; other platforms is not afraid. Afraid investors platform, platform collapse), and this needs a lot of time is not healthy (such as interest rate to be high, the best turnover cycle is short, easy to use credit card..). At present in the industry and credit risk prompt is a thankless task of live, the voice of reason are not welcome.
2, crazy chase high interest rates:
I'm a little people, not contacted the folk debit and credit, my dad always opposed borrowing (lending between friends and relatives, basic is interest free, similar to the mechanism for mutual assistance), so before we know the net credit, I never thought by lending to income (have to lend money to friends, but my interest, was an insult to my personality), just enter the ppdai, ideal income I is 10% on the line, the loan interest rate of more than 18% determined not to vote, then know soso loan, I think the rate of return on the line in 20% (when I was silly, began to throw is the 9% cattle, turnover is rapid, then think about credit standard borrowers do not need the guarantee fee, the cost of borrowing in low, small probability, and income than cattle elevation, will go to the trust by standard, then want to clear, guarantee standard padPay interest, advance cycle fast, go to cast guarantee standard), but the user experience and system security is very poor, did not dare to play, in the subsequent understanding Hong Ling, is also the first cattle, later know lend interest good standard than cattle, finally in the new platform is playing the more play the more large, interest rate completely relax vigilance, the higher the better. I am such a process, and a lot of new investors, experienced no ppdai baptism, completely ignoring the platform and the borrower capacity. The new platform of the month s interest rate plus bonus, up to 6 of the monthly interest, the interest people come in great numbers, investors completely crazy (myself included).
3, crazy chase new platform:
With the net credit home, packing credit and three party platform gradually grow and grow, brought together a number of investors, and before the gold credit crash, investors low new platform or a more cautious, gold credit, a new, strong theoretical foundation is if the new platform to study so, should not cheat, this is the first month is certainly safe, ignored here two problems: whether 1, visitors will associate oneself with undesirable elements and new platform: if there is a certain well-known investors partnership cheat for a platform of words, because of the blindness of market investors, the consequences would be unthinkable; 2, now take out 10W to cheat 100W liar is very difficult to have a place to live in, but if they can come up with 500W, want to cheat 5000W that is a very easy thing, but for investors and industry injury, obviously the latter harm more;
4, encourage and tolerate platform:
Many people feel strange, investors are most afraid of is the platform of fraud, how could encourage and tolerate? I cite a simple example: before the heat - net not engaged in lending business, so the hand the lack of high-quality borrowers resources, and its management and humble attitude to some investors to the higher trust platform, gathered a large number of idle funds, in order to meet the demand for short-term investors, released a day mark, these days are basically just to satisfy investors need only, this equates to a virtual borrowers, and investors behavior on the hit on what one likes is everybody drumEncourage and praise, in other new platform is that the new platform, the first high short-term goals, for we trust on the new platform, and it can be seen, this standard is not real needs many borrowers; another example of the old platform, many investors doubt a platform fictitious money and investors, but issued a second mark, spend some money to open a grand party, investors still scramble for, not to pursue the moral corruption of malignant, enjoying the second standard and party pleasure, look ignorant, greedy, to access disk. In the industry and credit fraud, investors are also partly to blame.
5, the pyramid type net credit extension:
In order to expand business platform and participate in the number of investors, the general promotion is a reward, in order to petty profits, many investors like the release of various links in the QQ group and the Forum (I admit, I have done such a thing), in gold credit events, the promotion link like the locust type in each group in communication, in some extent, has played an important role, while the new platform is even more so.