Xiaomi P2P thunder is gone?

That's how it should have been resolved.

2. Xiaomi's current measures include: first, remove all P2P ads; Second, the situation is being investigated internally, and because the situation is more complex, the investigation is progressing slowly and the results have not yet been released. Third, we are communicating with users one after another, statistically understanding the damage situation, and trying to help users recover the investment amount in the later stage.

There are many reasons for the P2P explosion, such as the poor management of the platform, resulting in the platform lending money can not be recovered in time, then the investor will be unable to withdraw when redeeming, if the time can not be withdrawn for too long, it will cause investors to panic, which may lead to large-scale redemption, then the P2P platform will burst.

The reason for the P2P explosion is that the platform misappropriated the investor's funds, resulting in the misappropriated funds in the later stage not being recovered on time, which is likely to lead to the explosion of the P2P platform. There is also the promise of high returns on the platform, and the risk of such a platform explosion is extremely high.

The reason for the P2P explosion is that the platform publishes fake bids to absorb investors' money for affiliated enterprises or its own projects, such as real estate investment, and uses it to speculate on coins. Once there is a loss, the platform will explode, and the investor's money cannot be recovered.

Users must choose a highly credible platform when investing in a P2P platform, as the possibility of such a platform being thunderous is very low. Don't be obsessed with high returns when investing, as high returns generally represent higher risk. When investing, you should also pay attention to what companies or products the invested funds are invested in.

The stakes are high, so keep your eyes peeled.

I haven't paid attention to P2P for a long time, and today I opened the home of online loans, online loans, Tianyan, etc., and saw that the data was shocking, who would have thought that the withdrawal of Hongling Venture Capital from the P2P historical stage was not the end, but a beginning, and then the car loan leader micro-loan network was also cleared, and the building block box that attracted much attention from capital also took the step of liquidation.

In fact, it is not difficult to imagine that since the P2P filing system was announced in 2018, it has been postponed several times, and there is still no conclusion, and in this illusory filing rumor, more than 9,000 platforms have closed down 9,000, leaving only a fraction of them to survive.

Looking back now, I have invested in P2P for five years, registered hundreds of platforms, and none of them stepped on the thunder (the only one of them also returned with principal and interest), which can be said to be a lucky person, but my grievances and entanglements with P2P platforms are unimaginable to anyone, and this entanglement has made me see more shady, and shady scenes have calmed me down and seen the essence.

Since they are willing to pay a much higher price than bank loans to borrow money, there must be problems in some aspects, and these problems are the biggest hidden dangers, which is one of them;

When the spiritual leader in the P2P industry was thundered, people in the entire industry did not realize that even the executives of the Toujia platform felt that they were victims, and they surrendered themselves in order to protect themselves.

The definition of P2P by supervision is that of an online lending information intermediary, which provides borrowers and lenders with intermediary services such as information interaction, matchmaking, and credit evaluation, and does not do illegal fundraising or credit enhancement services, but the supervision has been guiding the industry to record, from the central bank to the China Banking and Insurance Regulatory Commission, to the Financial Bureau to the Mutual Finance Association, but it is the path of financial institutions. This is the third;

Out of the desire to survive, I don't dare to write a lot of things, I can only write here, as for whether there is a sixth and seventh article, everyone thinks about it for themselves

The regulatory capacity of the competent national authorities is insufficient. Resulting in 85% of P2P being problematic platforms. If it is controlled at 20%.

The common people can understand and accept it. Therefore, the competent authorities should come up with plans and measures to resolve the crisis. to rescue the lender.

is currently the main core goal of P2P. Because this financial disaster is like a nightmare that has broken the hearts of hundreds of millions of people. Only ZF has stepped in to solve their real-world problems.

And help them get through it. P2P has spring.

One more point.

Look at the picture and talk for yourself!

Generally, they will exit the scene benignly! Some companies will be liquidated and slowly repay the investors, but the whole cycle will be longer!

Ways and means of rights protection:

Negotiation and negotiation, civil litigation, criminal reporting.

Either way, the right people should be selected to do the work. For example, finding a lawyer, electing an investor representative, etc.

Evidence of rights protection: bank remittance statement: screenshots or printed pages of platform transactions, recharges, transfers, etc.

Platform communication records: SMS, email, ** recording, etc.

Financing information and loan information published on the platform or unilaterally issued to investors.

Property information of the platform, financier, guarantor: movable property, immovable property, equity.

Personally, I speculate that this may be Xiaomi's PR solution to the problem

Whether Xiaomi is responsible depends on positioning.

The reporter learned that the issue of advertising and promotion on P2P platforms has already attracted the attention of the regulatory authorities. In October 2016, 17 departments, including the State Administration for Industry and Commerce, jointly issued the Implementation Plan for the Special Rectification of Risks in Internet Financial Advertising and Financial Activities in the Name of Investment and Wealth Management. In September 2017, the former State Administration for Industry and Commerce and 10 other departments issued a notice on the "Work Plan for Strictly Investigating and Dealing with False and Illegal Advertisements and Maintaining Good Advertising Market Order", requiring greater supervision of Internet financial advertisements. It is required that the advertisement of mutual funds must reasonably warn or warn of possible risks, and must not make promises about future effects, benefits or guarantees.

Qiao Congjun, deputy director of the mediation center of the China Electronic Commerce Association, believes that Xiaomi, as a P2P advertising channel, should legally assume the responsibility of the advertising publisher, that is, to fulfill the obligation to conduct a formal review of the advertiser's qualifications and the authenticity of the advertising content.

In addition, Qiao Congjun pointed out that if Xiaomi did not transparently and openly provide P2P platform information to "rice fans" when recommending the P2P platform, but used exaggerated and unrealistic recommendations, and only promoted the high interest and high return of the product, then the platform is suspected of infringing on consumers' right to know.

Dong Yizhi, a lawyer at Shanghai Yida Law Firm, believes that if Xiaomi plays the role of an advertising publisher in the cooperation with the P2P platform, then for Xiaomi, the most critical issue is whether it has fulfilled its audit obligations, and it needs to provide evidence to prove that it has reviewed the basic information of the P2P platform, including the registered capital and other conditions of the basic rules of mutual funds, and if these formal reviews have not been done, then it needs to be liable.