P2P was suffering after the noise lonely honesty honour collapse of three crisis

Abstract: P2P platform came into being because in the country for a long period of time, small and medium enterprises can not be from the bank and other traditional channels into the capital, and financing is the only way for its development. Through this unit demand in the East, China’s P2P platform shows the development momentum of entrepreneurs emerge in an endless stream, the bamboo shoots after a spring rain, complex mode.

 

P2P P2P also known as financial credit, for person to person through the Internet platform micro lending transactions, loan information including the amount, interest, repayment period and repayment, the use of self-service borrowing to complete an internet financial self-service borrowing mode. At present, the domestic P2P platform is the Mavericks online, Lu Jin, e concentric, ETS loan etc..

, a detailed P2P platform facing three crisis

P2P platform came into being because in the country for a long period of time, small and medium enterprises can not be from the bank and other traditional channels into the capital, and financing is the only way for its development. Through this unit demand in the East, China’s P2P platform shows the development momentum of entrepreneurs emerge in an endless stream, the bamboo shoots after a spring rain, complex mode. However, the situation is still the contention of a hundred schools of thought hidden crisis, P2P platform mainly faces three major crisis.

first, the credibility crisis.

is a credit crisis in the lending industry however P2P platform as a commonplace talk of an old scholar, special industry access threshold is low and high profits, will inevitably lead to criminals coveted. At the end of May 2105, China’s P2P net loan industry turnover exceeded 600 billion yuan, of which, some inferior P2P platform disguised as banks to attract customers, reap illegal profits, so that the entire industry into the integrity of winter". Net loan industry is not only rely on the integrity of the policy to protect the policy, but also need self-discipline. Although there has been a lot of supervision regulations, but there are still many enterprises play the legal edge ball, causing the user does not trust in business. Therefore, in such a pattern, enterprises can only continue to improve their sense of integrity, in order to win the trust of customers.

secondly, cashing crisis.

for the lending industry, another important issue is the security of the. Security lending industry is mainly reflected in the cash payment and, if this part of the problem, then the enterprise will die. In January 2015, Beijing net loan platform and loan occur capital chain crisis, enterprises can not lead to the normal operation, the huge debt of 934 million yuan to become a cash crisis the biggest P2P platform. The main cause of the crisis is due to the borrower did not have time to pay the debt can not be contacted, and the platform is not guaranteed to repay the huge sums of money. As the P2P platform this high Xichu at home and meet the eye everywhere platform with a registered capital, and many are only tens of millions of yuan, once the high credit crisis is only a consequence of capital chain rupture. Thus, the P2P platform should pay attention to improve >

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