Why online banking P2P is recently

Analysis of the causes of the occurrence of thunder waves:

It is true that the disposal of overdue and bad debts has always been a world-class problem, but we have found that private grassroots finance, which lacks an "official background", has very limited means to deal with overdue and bad debts.

In addition, it is necessary to take care of the emotions of investors on the face, dare not speak out, and deal with it quietly, which increases the difficulty of digestion.

Most P2P companies still choose to "hide", using the new business sectors they control or open up (without any correlation in equity) as a receiver to raise funds on the platform to fill the holes caused by overdue, bad debts and even fraud.

Formal financial institutions, in the face of overdue and bad debts, can offer the killer "credit card fraud", and borrowing P2P money is not a crime at all, which is one of the reasons why real users are so arrogant. In order not to repay and extend the repayment period, they will even take the initiative to "ignite" and let the platform explode.

The hardest part of a civil lawsuit is enforcement.

Generally speaking, as long as there is a payment record and a basic loan relationship contract, it is a high probability event to win the lawsuit. But a judgment is not a thousand taels. It's hard to recover the money; Let's put it this way, if the other party is a gentleman, he will not owe money at all, and if the other party is a villain, then he will not pay back the money at all.

The most drastic measure we have adopted is to send the owner of the borrowing company to the "list of dishonest persons", and his children and spouse will be greatly affected, such as not being able to take a plane, high-speed train, etc., and even affecting their studies. But don't face the people, there are a lot of people.

There are also investors whose interest rates have been at a high level, and the hole is getting bigger and bigger, which makes it difficult for the platform to operate and it is difficult to make a healthy exit.

The Weiyang Pratt & Whitney used is not bad, with 0 threshold and high returns.

Wealth management is a Chinese term that refers to the management of finances (property and debts) for the purpose of maintaining and increasing the value of finance.

When it comes to financial management, many people think that financial management is money to make money, such as buying a house, buying **, ** tickets, etc. In fact, these belong to the category of financial management, but financial management in the strict sense is actually called wealth management, that is, scientific and reasonable planning of current and future resources, do a good job in family financial planning, and make a scientific diagnosis of family finances when managing finances, and prevent and control risks.

It refers to the lending between individuals, while P2P financial management refers to the use of companies as intermediaries to connect the borrowers and borrowers to achieve their respective lending needs. The borrower can be unsecured or secured. The intermediary is generally a new type of financial management model that charges a handling fee from both parties or a single party for the purpose of profit or earns a certain interest rate difference for the purpose of profit.

There are many P2P wealth management companies in the market, and the products are not different, and the rate of return is also different. I have now chosen the first light year, and the annualized interest rate is 10 15

Investment and wealth management refers to the management and distribution of the assets of individuals, families, enterprises and institutions by investors through reasonable arrangement of funds, the use of investment and financial tools such as savings, bank wealth management products, bonds, commodity spot, foreign exchange, real estate, insurance, P2P, culture and artworks, so as to achieve the purpose of maintaining and increasing the value of assets.