Can the money in P2P be returned to the people?

Recently, the Internet financial platform has been in difficulty in cashing, only from June to now, there are more than 100 P2P platforms have difficulty in cashing, and enterprises generally do not store money in this financial management, it is even more impossible to store money in this, and the final victims are ordinary people. Some platforms even remind customers who deposit financial management to call the police, and some platforms directly pop up the boss and lose contact. In the 48 days from June 1 to July 18, there were more than 133 P2P platforms across the country, including Tang Xiaoseng, Yongli Bao, Investment Home, Yibai Finance, Lianbi Finance, Jinyinmao, Yindou.com, ......The amount involved is more than 300 billion yuan, and the number of investors who have been victimized is incalculable.

At the end of June, the balance of outstanding repayments exceeded one trillion yuan.

What's even funnier is that at the end of last year, many experts believed that the P2P survivors were basically regular companies, which had undergone strict departmental supervision and had undergone layers of tests, and that people could invest with peace of mind. I don't know if the companies that have survived this big test can invest with peace of mind. Here, I still advise everyone to "invest risky, and you need to be cautious when entering the market."

No matter what the investment is, there are always risks. As the famous program host Liang Hongda said: "If you don't manage your money, you don't care about yourself, although the people keep their money in the bank with low interest, although it will depreciate, but at least the money is useless."

If you invest in high-risk products, you are likely to lose all your money. ”

Many P2P platforms may also want to do a good job, but it's really not easy to do a good job. The first is that the cost of capital is too high, and if the annualized rate of return does not reach 10%, then it will not attract more funds. Secondly, the cost of the platform is too high, although it is an Internet company, but in order to raise funds, it still needs a large number of business personnel, high-end office buildings, and various company expenses.

Finally, the money raised from such a high interest cost will be lent out at a higher interest, and if it is an excellent company, it will not use such a high cost of capital. Only some companies that can't borrow money from banks are forced to borrow this type of money, and these companies are likely to default or even have bad debts. In the long run, many Internet mortgage companies have to borrow new to repay the old, going to a vicious circle.

If the platform really has a difficult situation in cashing, it is very likely that there will be problems for a long time, at this time there are problems with the major platforms, many people dare not continue to invest in the due money, there is no new funds, the old funds are constantly being taken out, and more than 100 P2P platforms are difficult to redeem in the near future, and it is difficult for the people's hard-earned money to come back. What do you think about this? Welcome to discuss with each other in the message area.

To be honest, it is more difficult, if this kind of platform once the money runs away, it is difficult to track it, and even if it does not run away, it is very difficult for investors to protect their rights, so investors must carefully choose investment methods, and there are two types of formal investment channels in China, one is **, and the other is**.

This depends on luck or you have to work hard for yourself, otherwise it is estimated that there will be no drama.

Generally, you can come up with money.

For those P2P platforms that have been benignly withdrawn, because these platforms themselves have gone through a strict exit process, they will withdraw from the investor's investment fees in accordance with relevant regulations. These fees may not be refunded in full within a short period of time, but users can apply in batches to recover as much of their losses as possible. Many P2P platforms have exploded, and the P2P platforms currently on the market are relatively formal, and there are also strict review conditions.

It doesn't matter if you're an investor or a borrower, I recommend that you be cautious when choosing a P2P platform.

1. After the transformation of the P2P platform, you can come up with money.

I remember that the most concentrated P2P platform was around 2018, when not only many people borrowed from P2P platforms, but also many people invested in P2P platforms, and some P2B platforms even claimed an annualized rate of return of more than 20%, which also attracted the attention of many investors. At that time, P2P platforms exploded one after another, and some platforms were in a benign transformation under supervision, and investors could come up with money on such platforms. <>

Second, there are some P2P platforms that have run away, and such platforms cannot withdraw money.

At that time, many P2P platforms ran away directly, and many investors lost their money. Not only did he not get the interest on his investment, but he couldn't even get back his principal. At that time, the bad debt rate of these P2P platforms was very high, which had already generated certain financial risks. <>

3. I personally recommend not to operate business on P2P platforms.

Although many P2P platforms are very formal, there are certain risks associated with P2P platforms. For both borrowers and investors, choosing a P2P platform is a relatively poor certainty. If you want to invest, you can choose a more compliant investment method.

If you want to apply for a loan, you can also apply for a loan directly from the bank, and I personally don't think there is any need to take this risk on a P2P platform. <>

To sum up, if P2P can be benignly transformed, you can still take out your money, otherwise you can't take it out.

Generally, you can come up with money. For those P2P platforms that have made a benign exit, because they have gone through a strict exit process, they can also get back the investment fees of investors according to the regulations. Even if these fees cannot be refunded in full within a short period of time, they can be refunded in batches.

I think so, because after its transformation, it may be better and profitable.

P2P platform refers to an intermediary platform that provides lending and financial services for individuals and individuals, and gathers small amounts of personal funds and then lends them to individuals with capital needs.

Wealth management through P2P platforms is a high-risk investment, because the state's supervision of P2P platforms is not in place, and the filing of online loan platforms has not been completed.

In mid-November 2020, the actual operation of P2P online lending institutions across the country was completely zero.

If you have financial needs, it is recommended that you must choose a reliable big brand, a professional and trustworthy institution to apply.

Ping An Bank also offers unsecured and unsecured credit loans, mortgage loans and mortgage loans for houses and automobiles, with different loan application conditions and requirements, and whether the approval can be successful is assessed based on your comprehensive qualifications.

Summary. Dear, it's a pleasure to answer that question for you, <>

If it is very difficult for the platform to collect debts, the lender can stipulate that the platform can obtain materials that match the borrower, and then communicate with the borrower immediately, so that the principal will be <>returned

What do you need to do now to get your money back?

Dear, it's a pleasure to answer that question for you, <>

If it is very difficult for the platform to collect debts, the lender can stipulate that the platform can obtain materials that match the borrower, and then communicate with the borrower immediately, so that the lender can return its <>own principal

If the platform is filed for investigation, then the lender needs to show matching materials according to the requirements of the public security organs, actively help the police to try the Congye case, and then wait for the complaint and resolution of the case to see the final return of funds. However, there is a very obvious flaw in the complaints of laws and regulations, that is, the time delay is particularly long, but this is not due to the public security department not doing things, but because the scope and actual source of the P2P case are very complicated, there are too many staff, and the amount of assets is large, which has caused a lot of difficulties in the investigation and handling of the case. On the other hand, when the case is adjudicated, the principal that can be cashed out to the borrower is also uncertain, because the property that the court can recover is relatively limited, and the property recovered home must be distributed according to the proportion, for example, the asset hole is 10 billion, only 10 billion is recovered, and then according to the proportion of so many lenders, it is very likely that each person will be distributed to the top of the head is <>very small

If you are a borrower, there will definitely be a contract for lending, in which case it is advisable to take legal action to get your investment back. You can communicate with the loan platform first, and then sue if the communication fails.

Negotiate repayment. Most of the friends do not want to give up on themselves after the loan is overdue, and usually choose to negotiate installments to solve the problem, so as to avoid collection and prosecution.

There is a scope of application for the role of negotiating repayment, and these people are people who want to repay the money, but are unable to repay the loan in full! If it is simply to avoid prosecution and collection, then even if you negotiate with the bank, you are still unable to repay the loan in the end, all your efforts are in vain, and it still returns to the problem of collection and litigation.

Under the premise that we are completely insolvent to repay, have we thought about the ultimate purpose of negotiation? Why negotiate, the purpose of negotiation is only to avoid being litigated? Or is it not collected?

After the negotiation is successful, how can I fulfill my debt repayment obligations? If you are unable to meet your repayment obligations, how will you face the problem of handling litigation?

These three are contradictory questions that most borrowers should think about, because this is what negotiation can really bring you. If you really have no ability to repay the loan, the road in front of you, negotiation is not the most important thing, as a result, many people lose their jobs, or have no income for a long time, the most important thing in front of you is to work and increase income, or improve your own self-worth.

So, if you really don't have a penny, then the focus should be on submitting a few resumes and interviewing a few companies, because the borrower must know that he has no money in his hand, and what can he talk to others? Your own sincerity in **? The purpose of the bank is also to require you to repay, don't think of the bank as a charity, and repeatedly losing trust with the bank will only bring more impact to yourself.

And the more times like this, you should focus on your work and how to improve your personal earning ability, instead of thinking about how long you will be sued by the bank and when the collection will come to your door, which will not solve your current predicament, but will only add trouble to yourself.

Your attention should be all about working and improving your abilities, rather than counting your fingers every day and thinking about how long it will be before you are sued This will not solve the dilemma, but will only increase the annoyance. Remember that banks are not charities, they need money, not their own pale explanations, working hard to make money, this is the best way to solve the arrears!

According to the definition of P2P: P2P is a direct lending between individuals and individuals through the Internet platform, and P2P institutions are only online lending information intermediaries, which refer to financial information intermediary enterprises established in accordance with the law and specializing in online lending information intermediary business activities.

The P2P money should go "all" to the borrower, and of course the money repaid by the borrower, including the principal and interest, should go "all" to the lender. In accordance with the provisions of Article 20 [Fee Allocation] of the "Interim Measures for the Management of the Business Activities of Online Lending Information Intermediaries".The principal and interest paid by the borrower shall belong to the lender (i.e. the investor).

Online lending information intermediaries shall separately agree with lenders and borrowers on fee standards and payment methods.

Now there are very few formal P2P platforms, and the new regulations of the state in this area of legal supervision have only drawn up an outline, and there are no clear standards, resulting in a large number of illegal platforms taking advantage of the loopholes in the law, some money flows to the platform's own illegal capital pool, and some are compliant, and small commercial banks cooperate in the electronic account of online banking, P2P, as the name suggests, is a peer-to-peer person-to-person small loan There are loan and wealth ends, and the compliant platform flows to the loan funds of individuals with good credit after review And spread it out to multiple people, which can greatly reduce the bad debt rate.

After P2P, what will be the next harvesting routine?

First of all, let's explore the reality first. The legal counsel hired by the investor directly negotiates, collects evidence, and negotiates whether the money can be recovered, as well as the amount and proportion; Once the negotiation breaks down, the investor will report the case directly to the local public security bureau's economic investigation brigade. (Please bring the report materials, including the network contract, bank vouchers, screenshots of withdrawal difficulties, screenshots of false propaganda and other evidence).

Second, seize the moment. If the criminal case is successfully filed, assist ** to provide the property information of the platform owner and key members, including real estate, vehicles, accounts, debts and equity. If a criminal case is not filed, a civil lawsuit will be filed immediately, and the other party's main account will be controlled by means of pre-litigation property preservation, and the plaintiff's demands will be met first once the money is in.

Third, rational rights protection. China is in the process of moving towards the rule of law, and the rule of law environment is gradually improving, and investors should respect the law and trust the legal person. In the process of safeguarding personal interests, adopt legal methods.

In some cases, investors have actually violated the law by imprisoning the platform's creditors or legal representatives, constituting the crime of illegal detention.