The birth and development of scattered thoughts

At the beginning of 2013, the net credit or relatively quiet year, everyone in the aftertaste gold credit loan, UE, lest they encountered liar platform, the overall net loan interest rate that is relatively low, the main platform so few, because of my itself is the bank's customer manager also is responsible for small loans, so I understand the lending industry and financial industry, the risk control is very attention, disperse investment philosophy is the leading thought my finances, natural slowly used the net loan to investment, I invested in Wenzhou loan, Chengrong online, rapid loan loan loan, happy, loving, search the loan, etc. many platform at that time, because I have been exploring diversifying investment strategy, so I investment platform many, also know more insider, because the decentralized investment I meet a lot of problems

(a) problem for a decentralized too much account management difficult problem

In order to solve this problem, I first find accounting software, I found the baby in the mountains, I have been waiting for the baby to develop accounting software, but not to develop for a long time, I need to charge, so the use of their knowledge of programming, the network is credited to the account software Development (water cool summer Edition) at that time, when developed to account information privacy and confidentiality, I developed a stand-alone version, thus effectively guarantees the information I could never leakage, when the development is completed, I found I could make other friends also can use to upload to the net credit company and three party, for everyone to use using the software, just use the AC created water group, to share the net loan experience.

(two) two decentralized investment platform too much attention too much energy consumption, platform

In order to solve this problem, I began to write platform diary, I collected information, are recorded in the computer on each platform, a file, record the dribs and drabs platform, such as platform back early today, what reason, back late what reason, customer service to resign what reason, management personnel changes what reason, so I wrote after a period of time, found that more and more information, was just baby in the mountains in a QQ robot to active atmosphere to play, I immediately think of the robot is very good, I just want to use the robot to come for me to collect information and share information, thus water little helper (robot) was born in our group, in fact, assistant birth has three stages,

The first stage of cool Q robot, this robot is very intelligent, and free, I spent a period of time, but I can not meet the requirements, but also often drops, this is I can't stand, at a time when many group came to me asking QQ robot using method one one, I tell, because my objective is to share information, which is then a lot of group QQ robot to share information cause.

The second stage, self development Webpage version of QQ robot stage, this time I began to develop their own QQ robot, when completed when Webpage version of QQ robot, observed the same often dropping, the need for frequent maintenance problems,

The third stage, the QQ robot client, which is now the clear water and his assistant, QQ robot stability and function of this, meet my requirements, and make clear water group timely sharing platform of dribs and drabs, always concerned about the trend of the platform. Achieve a lot of my idea, so far, clear water and little helper grow up. With a little help from an assistant, I put the collected information are written into the clear water and small assistant, you can view platform comments. Later, another question, I a person can not always pay attention to all of the platform, so once again upgrade assistant and information sharing.

(three) data monitoring problem three decentralized investment platform

In order to solve this problem, I started using my analysis function of accounting software, began recording platform data, to analysis platform of capital flow through accounting software, when I found a lot of data analysis platform when the speed is very slow my software, I started bookkeeping software upgrade large-scale mine, many people do not understand why my software function is enough, but also constantly upgrading, in fact this is all I need, after spending a whole in September, I developed 8 versions of the net loan accounting software, this version can analyze millions of data, has been completely can satisfy my analysis platform of tens of thousands of data requirements, it is spend a full time in September, not particularly concerned about credit, so I just completed, immediately collected I was most worried about the platform, the eastern capital, when I finished collecting Oriental venture capital data, I found that the eastern capital of data is not optimistic, so I reply in 2013.9.29 day in my Oriental venture analysis below, Oriental venture capital fund flow data, the net outflow of 8 month 13400000, net outflows in September 10710000, two consecutive months of net outflow of 2400 Million, did not expect that after a few days, as the East venture a series of operational errors and the improper measures, resulting in no east I last money off the table, after I joined the platform data analysis index, investors analysis index, is now able to fully grasp the platform of capital flow including each individual investor funds flow. Greatly increased the platform data analysis ability, main problems to spread the investment have basically solved, diversification strategy has basically formed:

1 area of diversification strategy, a county-level city can vote for only one platform, (this strategy can effectively avoid the risk concentrated areas of Huaian Anji Tongling platform)

2 the investor diversification strategy, the same platform, investor structure to moderate, if a platform is a large support, or together by a group of people master, will cause the platform of capital flow instability, (group is very typical problems, members set in, due out, to the platform has brought great honour pressure)

3 the amount of investment diversification strategy, the same platform investment will not exceed 20% of the investment ratio, try to stay below 10%, then if the platform security can focus to throw some, but not more than the upper limit of 20%. Then the multi platform, find 5-6 home safe platform, I think it is no problem, if not, can only say that the ability to distinguish himself is still to be improved.

The birth and development of high interest thought

I at the beginning of the loan up to half of the time, I was in the investment cheap platform, because when I started to enter the net loan also think cheap platform security, but because of my bank lending rate is 1.3, so I started although not too high, but not for the interest rate is too low, because banks are on the 1.3 points of interest, I have no reason to invest in low interest platform, because these cheap platform is still out high interest, just take my spread to cover their overdue risk, since I use the diversification of investment, why not to overdue risks in our own hands, then, I put my investment platform as a borrower, I is a platform, I will earn excess spread, risk investment to cover my overdue (Cai Lei), was not cast low interest but also because my local, because Shandong folk interest rate is very high, at the same time, the platform of Shandong gave me a cordial feeling, I was in Shandong, so the ears, head, my investment thinking come very naturally slowly tend to high-yielding strategy

(a) causes a net credit industry is a new industry

Net loan industry is a new industry, development period in an industry, not to obtain high profits, but to make a cheap, I don't think this is consistent with the law of development of the industry, if two years, stable net loan industry, I go to investment interest also of hasty, but if now cast cheap, want to cast high interest, do not have this opportunity

(two) two net loan industry is now in a period of confusion

Net loan industry is still in the stage of dragons and fishes jumbled together, it is a good time to make money, a lot of platform is in its infancy, just rely on high interest rates to attract investors, because I see too many open interest platform is very high, then slowly turned into cheap entrusted to the hands of treasure, and honey, these platforms are from the high interest came, confusion stage we are to catch up with the net loan industry, looking for the development of the platform, while the initial stage of development platform, based on security analysis, to maximize investment returns, if not now platform early development stage to obtain high yield, etc. the platform stability, is not such a good opportunity.

(three) three net credit platform of high and low interest is not the only criterion of platform security

Below the low interest or interest security security, this is a false proposition, the credit industry has never said high interest must not safe, low interest must be safe, if low interest some security, then why have so many banks overdue, upward deposit continuously central banks are still reserve, is to prevent bank lending by too large, the financial crisis. I do credit for so many years, the only known is, credit is on the risk control, if the wind control is rigorous, as long as the guarantee of the borrower to repay on time, the borrower is high quality, high interest loan is a short-term, high interest loans short-term business network is done, when I choose platform, will choose to have a lot of the short-term lending business platform, if the long-term business, offering high interest, but dangerous, for high and low interest debate, I discuss in other article, here no longer put too much content.

The birth and development of selected thinking

Because of the problem of the East, I started in safe mode further exploration investment. -- selected platform

At the beginning of decentralized investment, in fact I have on the platform, but the platform is too little, not too many choices, so no thinking theory, with the platform increased, this problem is more and more apparent. Especially the eastern capital problem, I have a series of tools is progressively and perfect, already can be screened and screening of large platform stage.

Effective investor means clear water group 2000 people to share information, exchange of information between the group members

Methods two platform data analysis software is gradually perfect, has reached the level of simulation platform

Methods three line inspection step by step, already began to examine the team set up clear water group line.

Tools and methods of continuous improvement, investment ideas selection has become a reality, thus selected + dispersed + high interest investment strategy formed a complete system.

The birth and development of the rating system

On the platform of the rating is in my constant analysis and sharing information platform, develop slowly over time, just as I find the platform information conveniently, at the same time, can be very convenient for me to see my previous comments on record, if has the new situation, timely reply in the comments below, friends can also be timely reply to the new platform of information, forming a good information sharing atmosphere, of course, at the beginning of the rating and the situation is relatively backward,

The first stage: the analysis of a simple word stage, this time, I was only a sentence or on very simple on the platform, no further research platform.

Second stage: basically complete evaluation stage, this time many common exchanges the platform of understanding and is my friend information, then formed the detailed information of the platform, this period is not rating, this is also a lot of friends will ask me why this platform not rated, didn't I rating, but when I review time, rating system has not been established, there is no rating.

Third stage: the formal establishment rating system, and when I'm on more, more and more information, to find if there is no rating system, only in very difficult, which from many platform choice I will focus on the platform, so this time I think I do at the bank's credit rating, so directly the move, to the platform of the rating, also due to the early start rating time has not formed the unified, standard brain, resulting in the initial rating when some platforms have a high evaluation, but the slow development of rating, these ratings gradually slowly,

The fourth stage: gradually improving rating system stage, began to join the I need indicators, such as the outlook on the future, rating, large and small scale to distinguish, because on the analysis platform when, discover a lot of platform, strength is not strong, but the business development is very stable, but some see a strong platform, frequently problems occur, so to distinguish platform scale, small platform can have a higher rating, this rating system gradually established, of course, the future will continue to develop, promote, and constantly adapt to the industry and credit.

The birth and development of collapse tide

Closures was born from the start with the 6-7 month, it is in the 6-7 month, platform scale was born, a new platform on-line every day, on-line comparison whose highest interest, was not only the highest, higher, that is, the head also started their own path of entrepreneurship, at the beginning of each big platform form cliques, in the group process in the beginning, I am cautious, because investors Baotuan investment no ground for blame, when I saw the leaders and members have extra group welfare, even the head and the rebate, I found that the investment group of the original intention has been changed, became leaders and members of the crazy profit the tool, so far I put all my rating platform, involving group of all listed as prohibited investment list, then the inside of the group of people are against me, but I stick to my judgment, the group of serious violations of diversification strategy in my second investors dispersion principle, but also violated the fair the principle of net credit, everyone is a platform, the investors and not CanTuan investment income is not the same, with the development of net credit Love is draw further apart, and at the same time I also discovered that the delegation of the platform, in our ratings which are relatively poor in a number of platforms. So I in the clear water group, absolutely all group platform, all included in the non investment platform, when the group size and group more and more platforms, a unified credit phenomenon, after a slow development 8-9 month, 6-7 month interest group platform standard in October March have expired, it could to stay in business, but people did not think Oriental venture into the milepost event, net credit, Oriental venture took in the face of bid, "attitude, not taken any effective measures, itself does not have the ability to liquidate assets in a short period of time, resulting in the flow of funds fracture, investors are panic in the bid type withdrawal, east to Deng Liang finally venture capital into the prison, the start of a long road of rights for the outcome, Oriental venture events allow investors to realize, a platform was of good operation, suddenly in just a eleven holiday into a man reviled platform, so that many investors feel the sense of crisis, at the same time, aware of the importance of the operation of a platform. 2013.10. Mid East venture after the accident, the other platform already affected, cash net \ \ \ - net vertical mutual credit loan business loan silver \ \ Wanli venture capital \ Chuan credit have appeared in this time of difficulties, failures is not, real crisis in slowly brewing group platform, this time to explain unbeaten theory, at the time of the puddings are re operation of employment, began when the colonel, Colonel once again pushed to the God exists generally high, and even head and began gathering platform alliance, all group platform banded together to form a crisis management alliance, is to make a career vision, but the combined force of venture capital in this group platform are difficult, completely breaking the head of the dream, members began to panic withdrawals, the head also group the multiple platforms, many members participated in the multiple platform leaguer venture capital investment, so there are problems, breaking the group of gold members of the other, will cause the platform mentioned now, these group platform just entered in March standard due to focus of the present stage, members in each group have the platform, the most Entered the development phase of the closures, closed down Tide Frequency relates to the platform is never off, all the investors did not expect this collapse has lasted 2 months, almost every day a platform collapse, sometimes for a day or 3 of net credit platform closed down, when this time, failure tidal wave platform reached more than 60, the number of large, powerful, There was no parallel in history., the closures for many investors learned important lesson in life, in the closures, the vicissitudes of life, show without involuntary discharge of urine.