P2P began to enter an inflection point in April, and regulators required all P2P platforms to pass unified compliance verification and complete the filing by June at the latest. Can not pass the P2P platform for the record, it is likely to withdraw from the market.
1. P2P is essentially the forerunner of Internet finance, and its security is not low.
P2P platform is actually to act as a middleman, do not know each other's money to lend money to the people who need to borrow money, when the maturity of the money borrower to pay off the principal and interest.
Therefore, P2P wealth management products should have a fixed term, fixed income, the rate of return will not fluctuate up and down like stocks, but also much higher than bank wealth management products.
However, high returns will be accompanied by high risk. if the borrower does not repay the money, P2P platform will take out its own money to advance to investors. there are many people who do not pay back the money, and the pressure on P2P platform is very great.
Therefore, the regulatory authorities now require that all P2P platforms must rectify and reform their business in accordance with the requirements of the regulations, do a good job in risk control such as background checks, and complete the filing in the local regulatory authorities in order to clear the irregular business, so after completing the filing, P2P on the market is more formal.
2. what changes have been brought about by the filing?
(I) P2P platform will eliminate risk provision
One of the key points of the country's supervision of the financial industry this year is to break the rigid payment of financial products. the bank's financial management has already broken the rigid payment, and the same P2P platform will also eliminate the risk provision for newly established products.
That is, P2P platform can not use the platform's funds to deal with borrowers do not pay back the situation, to put it bluntly, even P2P platform financial products can not maintain capital and interest.
The alternative for many P2P platforms is to pay the licensed guarantee company, which guarantees the borrower's non-repayment.
(2) P2P platform loan limit
After filing, the personal loan shall not exceed 200000 and the enterprise loan shall not exceed 1 million.
In the past, like e-rent treasure, a bunch of fake corporate borrowing materials and a bunch of fraud platforms that sent tens of millions of wealth management products to cheat money will be cleaned out.
The loan limit makes the loan information more real, and reduces the risk through small dispersal, of course, there are higher requirements for the operational ability and risk control ability of P2P platform.
It's still for the protection of our investors. The information of the platform for the record will be published as early as April and will be completed by July, and fewer than 60 platforms have been approved for the record at present.
3. how should we invest now?
(1) avoiding current P2P products
In the past, the current P2P products are the most popular, not only can enjoy a higher interest rate, but also can be quickly redeemed. But the risk of this product is so great that when the capital chain breaks, it gets out of hand.
And this kind of current P2P product is illegal, many platforms in order to successfully pass the record, have stopped their current products, the existing products are locked, so P2P current products are likely to cease to exist in the future.
(II) investing in short-term products on large platforms, or newcomers
We can first invest in products with a large platform for 1 to 3 months. although the yield on the large platform is lower than that on the small platform, it is safer.
If you have not invested in the platform's products, first consider their novice target, in order to attract new users, novice targets usually have a higher rate of return, but only one month, it is very suitable for everyone to invest at this stage.
By July, there will be few P2P platforms left, and investors will have to choose the best, such as strong shareholder background, sufficient paid-in capital, high-quality assets, and reliable teams.
(III) Investment exchange products
Compared with P2P platform, the gold exchange has stronger background strength, stricter risk control, more standardized fund deposit. although the rate of return is slightly lower than P2P platform, but the security factor is higher.
For example, Tianjin's wealth management products: Tianjin Financial assets Exchange, is China's first national financial assets trading platform, shareholders are Ant Financial Services Group, the Great Wall of China, China Oriental, CITIC Trust, and so on, shareholders and teams are strong. Trustworthy.
(IV) selection of safer actual borrowers
In the past, most of the loans of P2P platform were credit loans to individuals or enterprises, that is, there was no collateral, all relying on the credibility of the borrower, the borrower did not pay back the money platform when it matured and did not have any effective collection measures.
Therefore, when choosing products, we should choose products with collateral or products with clear repayment sources and guarantees, such as real estate mortgages, car mortgages, goods pledge guarantees, and accounts receivable recovery guarantees, and so on. Of course, it would be safer if there was an insurance company or a well-known guarantee company.
For example, Tianjin Institute of Metal Protection, each product has accounts receivable recovery protection or non-ferrous metal pledge guarantee, while increasing part of the margin guarantee, it is a stable and high-quality financial products.
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