Introduce a friend to invest in p2p as a result the platform went bankrupt am i guilty

1. It is not a P2P online lending platform that smashes advertisements like crazy.

At present, the benign operation of the platform, in order to give more profits to investors, the handling fee charged is not high, which also causes the platform income is not very high, and if the platform is crazy to smash advertising, its legitimate income.

It is difficult to cover this part of the marketing cost, so when encountering this kind of platform, remember not to invest rashly, and consider making a move after a year of observation. For example, the investigated and punished "Zhongjin Department" not only sponsored a blind date program on a satellite TV in Shanghai.

Meet on Saturday", but also through online publicity, offline promotion, etc., to the public to illegally absorb funds, because the income can not cover the cost, or the deceived funds are not enough to pay the interest and promotion costs, and finally lead.

Break the capital chain. If there is a state-owned or listed company as an endorsement, the credibility of this platform may be higher.

2. Carefully screen the borrower's information.

Investors can screen and judge whether the borrower's identity information is reliable and accurate, and whether the loan information is clear. If you find that there are many unclear places in the borrower's information, it may be that this is a virtual investment project created by the platform to absorb funds.

3. Don't get carried away by the ultra-high yield.

Industry insiders warn that when seeing P2P products with too high yields, especially P2P products with yields between 20% and 30%, they need to be more cautious. To understand the operation of the entire platform, through what channels to obtain such high returns, at present, P2P projects are mainly concentrated in real estate, foreign exchange, etc., you need to comprehensively consider whether it is possible to achieve such a high return, do not invest rashly, otherwise it is very likely to lose all your money.

4. How does the platform protect risks?

Even banks have a certain bad debt rate, which shows that no matter how perfect the risk control system is, it will still be exploited by some people. It's just that the bank is large enough to cover this part of the bad debt. Then for the platform, bad debts are even more inevitable.

Then, whether the platform has enough funds to guarantee this part of the bad debt is a factor that investors need to pay attention to.

5. Be alert to risks**.

Nowadays, many browsers will have timely reminders for security risks. For some problematic investments, the public will pop up a security alert in the browser when visiting, warning investors that this is dangerous**. Therefore, paying attention to browser alerts and updating computer and browser versions in a timely manner is also one of the ways to effectively protect your own interests.

It is already difficult for people who have lost their fortunes because of P2P online loans to turn over, because many people themselves have fallen into debt.

With the continuous development of the Internet era, many traditional offline lending institutions have also put on the cloak of the Internet. Prior to this, there were more than 5,000 P2P lending institutions across the country, many of which did not have personal credit and belonged to the category of usury. For those who have bad consumption habits, many people have the habit of spending ahead and overdrafting, so they also owe a lot of debts, and P2P online loans have also hurt many people.

Nearly all P2P online lending institutions across the country have closed down.

With the introduction of the rectification measures of P2P online lending institutions, nearly 5,000 P2P online lending institutions across the country have been completely cleared, and all online lending institutions have been suspended. Prior to this, many users were deeply troubled and hurt by P2P online loans, and most users were heavily indebted, and some of them even had a debt amount that seriously exceeded their ability to repay. <>

It is difficult for people who have lost their wealth because of P2P online loans to turn over.

The reason why I say this is mainly because many people's consumption habits are inherently problematic, so they also owe a lot of debts because of the problem of P2P online lending. For those who owe P2P online loans, they will not only have P2P online loan debts, but also credit cards and other payment products. For them, many people do not have strong earning power, so it is also difficult for them to repay all their loans in a short period of time.

We need to use credit products as correctly as possible.

Although many P2P online lenders have closed their doors, this does not mean that there are no other credit products online. For consumers, we not only need to comprehensively evaluate their own spending power, but also need to evaluate their actual income capacity, and it is best not to do things beyond their own capabilities, let alone fall into the misunderstanding of advanced consumption. <>

There is no salvation, because the lent money cannot be recovered smoothly, and the platform has also entered the liquidation stage, so it can only consider itself unlucky.

There is salvation, as long as you live, you will be saved, failure is the mother of success, you will go astray, as long as you are lost, you will be saved.

If he is facing the closure of all businesses, I think there should be no salvation for the person who went bankrupt because of this P2P, because he has all closed down.

There are many reasons why P2P online lending platforms go bankrupt, and here are some possible reasons:

Poor management: Some platforms lack professional risk control capabilities and shift the responsibility for risk control to lenders, resulting in the gradual accumulation of risks on the platform.

Illegal fundraising: Some platforms attract investors through false advertising and high returns, but in fact they are illegally fundraising.

Investor panic: Once there is a risk event on the platform, investors may panic and withdraw a large amount, resulting in the rupture of the platform's capital chain.

Changes in regulatory policies: P2P online lending platforms are affected by a number of regulatory policies, such as filing, entry thresholds, fund depository, etc., and changes in regulatory policies may have a negative impact on the operation of the platforms.

Internal problems: Some platforms have internal corruption, management chaos and other problems, resulting in operational difficulties.

It should be noted that the reasons for the failure of each platform may be different, and investors should carefully consider when choosing a platform and choose a reliable platform to invest in.

However, as a public platform, P2P has many differences between the follow-up treatment of bankruptcy and general enterprise bankruptcy. First of all, the number of customers on the P2P platform is large, and they are not specific to the public, which involves the issue of financial consumer protection.

Secondly, the operation concept based on P2P is to make it more convenient for the surplus party and the scarce party to complement each other's needs, and the lender and borrower of the platform often do not know each other. Even if the two parties have a certain lending relationship through the P2P platform, the two parties are still strangers for the need to protect personal privacy. Therefore, once the intermediary of the P2P platform falls into bankruptcy and collapse, the bond between the lender and the borrower is broken.

Therefore, when using P2P platforms, the existence of relevant risks should also be fully considered and reasonable preventive measures should be taken.

There are two kinds of P2P platforms, one is self-financing, in this case the platform is bankrupt, and your money can only be paid by the platform, so sell the platform. If there is another kind of guarantee, then find a guarantee company or a borrowing company.