P2P is over. What happened to the people who used to do P2P?

At the same time, there are also financial white-collar workers who used to be as brilliant as the P2P industry. Once the darling of a group of industries, I feel that I am standing on the trend of the times and as prosperous as this industry. However, with the collapse of the industry, they are now branded as financial criminals, just like rats crossing the street, and everyone cries out.

Company executives become prisoners.

Previous P2P companies were basically either illegal fund-raising crimes or serious fraud crimes. Very few can pay in full. Corporate and senior management were the first to bear the brunt of the accident. When the industry is booming, this is a group of high-income people who often travel around the country and drive famous cars in and out of all kinds of tall places. What is often said is risk control and how stable the company's operation is. But I didn't know how ridiculous it was until after the accident. Now these executives are basically in prison, and all kinds of glamorous names in the past are gone. Most of them have to refund their commissions and go to jail. Most people in high positions have spent more than five years, and the best time is spent in prison. After coming out, the resume is also a stain, and it is basically difficult to find a good job. I think what they regret most is to do P2P, not only to spit out all the money they earned before, but also to catch up with their future. It is equivalent to being destroyed by P2P for a lifetime, and the price is quite high for everyone.

Grass-roots employees are not selling well

I have to say, this is a group of very innocent people. They just think that they have found a good job, but also because they believe that the boss believes that the company has chosen to do such a job. I basically don't know the basic situation of the company's operation, but I became a financial accomplice without knowing it. In fact, most account managers will save money in the company themselves. Moreover, there are a lot of deposits, and most of the investments are made by relatives and friends. Accidents in the company often put them under the pressure of relatives and friends. If you know that the company is not safe, who will let your family invest money?

Many of my friends have worked in this industry before, and many of them have told me about the recent thunderstorm in the company. Xiao is my college classmate. After graduation, I went to a wealth company. She was eight months pregnant when the company had an accident. According to the circumstances, she can't be fired. But the company fired everyone regardless of the willy-nilly, and there was no labor compensation. However, in this case, she has nowhere to complain. What was originally a legal right has become an illegal appeal. In the end, she can only rest at home and take care of the children. Because the company invested all its savings in the platform, the task of supporting the family naturally fell to her husband alone, and she had to take a takeaway part-time job at night. Life is tense.

Let's start with little B, an excellent person who has performed well before. At that time, many employees who did this job had a list of supervisors or leaders. On the one hand, the supervisor can get higher commission, on the other hand, the salesman can have performance. Therefore, it is regarded as a mutually beneficial cooperation model, but the platform only rewards the performance of the salesman in his own name, but the list hung by the supervisor has also become the criminal evidence of the salesman. Some also involve money transactions. For example, the supervisor put his money under the salesman and signed an IOU at that time. As a result, the money could not be recovered after the accident, and the supervisor asked the salesman for personal compensation. The salesman is only willing to wait for the company to compensate before giving it to the supervisor. Various complicated situations and interests are intertwined. This is often a headache.

There is also Xiao C. Because he believes in the company, he has invested a lot of money at home in the platform. There are also relatives and friends around to introduce a circle. There are all kinds of human feelings. When the company had an accident, my father happened to be in poor health and was seriously ill and needed surgery. I can't afford the company's money, and I dare not tell my father. I can only lend money to my father silently to see a doctor. Relatives and friends there are also all kinds of intercessions, hoping not to affect my father's medical treatment. Some relatives were forced to cash out some of their credit cards and return them to their relatives first. The result is a debt. The blows from relatives and friends also made him very painful. Even thought about suicide.

Finance is risky, so choose carefully.

It is an eternal truth that high returns and high risks coexist. Get something for nothing For investors, it is necessary to choose financial products carefully and pay attention to their risk tolerance. Practitioners should also carefully choose the platform, because you choose your own future, and you will be jailed if you are not careful.

This national P2P carnival finally became the biggest joke, and our investors and practitioners also became the biggest victims. I paid a price for this financial reform and paid a bloody lesson.