The former "godfather of online lending" Zhou Shiping was taken criminal coercive measures on July 22. Yesterday, its online lending platform was also investigated by the police.
According to reports, on the 25th, the "Hongling Venture Capital" online lending platform, "Investment Bao" online lending platform, and "Hongling Capital" offline wealth management projects under the "Hongling System" were filed for investigation.
official website data shows that the Hongling Venture Capital platform has been online for more than 12 years, with a cumulative lender of more than 2.74 million, 's cumulative loan amount of more than 450 billion yuan, 's cumulative number of transactions as high as 12.34 million, 's current outstanding amount Reached 18.263 billion yuan (excluding net worth). Investment treasure and Hongling Capital involved more than 6 billion yuan and 1 billion yuan to be paid respectively.
Over 20 billion unpaid , the amount involved is so huge, you can imagine how many families have been affected by it.
The rise and fall of P2P
In 2007, the first domestic P2P platform Paipaidai was formally established, but it was not until 2013 that P2P became a wealth management product several times higher than the interest rate of the bank. The "new favorite" of Chinese investment. However, P2P, once known as the "economic savior", has been completely retired due to continuous thunderstorms and difficulties in payment.
In April of this year, the Central Bank issued the "Fight to Prevent and Resolve Major Financial Risks and Effectively Maintain Financial Security". The article clearly mentioned that 's operating P2P online lending institutions all closed down, Internet asset management, equity crowdfunding, etc. The rectification of the field has basically been completed and has been transferred to normalized supervision. We have severely cracked down on illegal financial activities such as illegal fund-raising, and some illegal fund-raising cases that have been accumulated for many years and have been delayed for a long time have been dealt with.Regulate the deposit business of third-party Internet platforms of commercial banks. Promote the clean-up and rectification of various trading venues in a steady and orderly manner.
With the introduction of related rectification policies, P2P has gradually withdrawn from our lives. However, the impact of P2P is far from over, and a large number of families suffer from it, and even their families are destroyed.
What happened to the P2P players?
I was most impressed. There was a big brother who had played P2P with me. complained , saying that P2P was not so popular at that time. Seeing friends all went to play, he also tried to invest some money.
later thought that this thing was really profitable, so he took 800,000 to invest, which was originally saved for the house down payment; _1span2span Later, he didn't want a penny to come back. His wife was so angry because of the incident, and she divorced directly with the child.
In the past, he always felt that seeks for wealth and risk . The higher the risk, the easier it is to earn money, but how many people can get rich and successfully avoid the risks.
Do not blindly pursue high-risk investments
However, it has suddenly changed from a thriving industry to such a desolate situation now;
"Unable to repay the money", "Frequent borrowers with dishonesty, "P2P fraud", "P2P scam", P2P It has become an industry that everyone calls for.
The government is carrying out a special rectification of Internet finance and online lending risks, and it is believed that the financial product environment will be more benign in the future.
In fact, this incident has taught everyone who has financial habit a big lesson: "You cannot blindly pursue high-risk and high-yield investments. "
P2P financial management was originally a high-risk investment , but I have seen many rights defenders who even put all their savings in in order to make money;
has been up to now, and news of family destruction due to P2P thunder investment failures has occurred from time to time.
When we are doing financial investment,Don’t take such big risks. These ideas must be eliminated:
_strong8span _strong8span “ 2 _strong8span_strong. "High-yield things are naturally risky, so you can find wealth and wealth insurance!" "Invest more, make more money, and put all the money in the same financial product. Make money." These ideas are all wrong.
When we are managing finances, we must maintain independent thinking, especially when we are aware of high-risk investments. Loss that may occur;
Money can’t be put in the same place, let alone high-risk investments,In the event of an accident, will lose money;
We must know how to allocate our assets.
How to allocate family assets?
Generally speaking, there are 4 ways to allocate household assets:
strong8 span_strong8 span_strong8 span_strong8 , Eating, drinking and having fun. This type of short-term expenditure is about 10% of household assets. Types of insurance can be small and big;
guarantees that when crises and accidents occur, we can have money to solve the difficulties as soon as possible, and also protect the family from risks. accounts for 20% of family assets.
3. Risky investment and financial management: We need to put out a part of the money to make some investments,Common stocks, funds, etc.;
These can bring part of household income, accounts for 30% of household assets.
4. Long-term wealth management income account: is the so-called capital protection appreciation money, such as annuity insurance, this part of the money is used to protect the family’s pension and education;
Money accounts for 40% of household assets.
This money must ensure that there is absolutely no loss in the principal, and it must continue to maintain and increase in value to resist inflation.
This part of the money is like the foundation of the family. If we only use the money in the first three areas, we will easily encounter family financial crisis.
The above four accounts for the allocation of family assets are indeed indispensable. Only a reasonable allocation can ensure the family's long-term development.
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