Dynamic zeroing is a joke.

Everyone pays the bill. Chicken feathers are everywhere ...

Many P2P investors are banks. Who do you think will benefit?

P2P was completely knocked down, but the lender didn't want his money back. All the money has been lost, and all the harm has gone to an appeal that is difficult to defend rights, which has harmed the instability of the country. I hope the government will pay attention to returning the money to the lender. What a pity!

Bustling, the original Qian Qian was born. The result now is a policy need. As ordinary people, we certainly don't know who will benefit. I only see thousands of victims as lenders, those low-level employees engaged in P2P industry. Most of them are investors themselves, and they and their families have lost everything, but they are also called accomplices of liars by customers. In many places, the economic investigation also ordered them to return all wages, commissions and bonuses as illegal income. They talk lightly, this pot is very suitable for carrying!

1. Lenders who got off in bonus hunter in the early stage and got off smoothly before the mine disaster occurred.

2. Operators of fraud platforms.

3. Borrowers who borrowed money and never thought about paying it back.

4. Star spokespersons and advertising spaces invited by the platform at high prices.

Banks are also P2P.

Spokesman! No matter who pays the bill, he earns a full wallet.

I used to be a senior P2P investor. In this disastrous farce, I'll tell you who made a profit.

First of all, it is definitely the boss of P2P platform who makes the most profit. Many people buy houses, cars or invest in other industries with the money from the platform during the peak period. Some platform bosses include some funds in bad debts and fall into their own pockets. What's more, the hateful boss directly swept away all the funds raised by the platform.

Small and micro enterprises that need to borrow from the platform are also profitable. Many so-called small and micro enterprises are actually shell companies or bankrupt enterprises without credit rating. After borrowing money from the platform, they made all the profits.

There are also professional workers who specialize in cutting the mouth, which is the largest loan that can be borrowed on the P2P platform. If they borrowed it, they would definitely not return it. Because of the specialty, there are collection methods to deal with P2P platform.

And Lao lai. After borrowing, he found that the country was rectifying P2P, and some platforms also ran away. They simply refused to pay back the money and broke the contract. The platform closed down, and they made a total profit.

There are also investors in the early stage, who bid short and register novices to get rebates. They only specialize in P2P wool and don't make long bids, because they all know that P2P will definitely not last long, because the interest rate of ordinary platforms plus cashback can reach 40% to 100% for novices. Most of these people successfully escaped in the P2P collapse tide, because they always observe the dynamics of various platforms.

If you lose so much blood, you must make a lot of profits. Advertising companies, celebrity endorsements, TV dramas and renting office buildings are all profit-seekers.

Thanks to the state's timely efforts to stop this financial farce, more investors were not caught in it. Now that P2P has been completely cleared, there is no P2P scam.

P2P online lending has finally disappeared. At present, all domestic online lending institutions have completely withdrawn, and this industry is zero. Many people say that online lending is doomed to zero as soon as it appears. Online lending is just a passer-by in the development of the financial industry, and it is doomed to die. Is online lending a farce or something else?

As a former online loan practitioner, I think that zeroing online loans is a policy orientation and a trend of abnormal development of the industry, which cannot be avoided. However, online lending can not be said to be a farce, which has a great impact on the promotion of financial business. The emergence of each industry will promote social progress to a certain extent, but some industries have a greater impact on society and some industries have a smaller impact on society. Just like us, everyone will make a certain contribution to the society when they come to this society, regardless of whether they are rich or poor, regardless of gender, but everyone's contribution to society is different.

What are the beneficial effects of online lending industry on other financial industries? Quite simply, the online lending industry has created a new model of credit loans for users. Customers only need to provide ID card, mobile phone number and bank card number to get credit loans. This model was used by some lawless people in many cash loan businesses at that time, which led to the emergence of usury, but this model was used by other financial institutions. At present, many financial institutions can determine whether to give customers credit loans, car loans and so on. As long as the customer provides simple personal information. It must be said that these models were all transformed from the risk control model of cash loans at that time. At that time, many online lending institutions polished these risk control models through a large number of businesses and created a set of risk control systems suitable for users. There is also a bond transfer model. Before, many online lending institutions introduced the business model of creditor's rights transfer, mainly to enhance the liquidity of wealth management product holders. This model has also been applied to bank financing by banks and other institutions. For example, Zheshang Bank opened the financial transfer function. Zheshang Bank has a bond transfer market. Users who need money can initiate the transfer of creditor's rights, and users who need investment can go to the market to choose products that suit them, which is a convenience for both buyers and sellers.

I never regret entering the online loan industry, because my experience in the online loan industry has taught me many knowledge points that traditional financial business can't learn, and also made me have a deeper understanding of the integration of technology and finance, and understand why technology can promote the development of traditional financial industry.

Although the online loan industry has disappeared, there are still many legacies left by the online loan industry. For example, some new methods that we should fear risks and continue to lend online can effectively promote the development of the financial industry through transformation and application to other finance.

No winners, all losers!

I thought there were dozens of head platforms, but the outcome was never expected-after the ——P2P winter, there was no spring at all, and only death was waiting for compliance.

From scratch, to prosperity, and finally to extinction, P2P is probably one of the shortest-lived industries. This financial innovation practice has come to an end, which is a tragedy for all parties such as platforms, borrowers and lenders:

The platform is in the process of transformation and recovery. Some founders and executives of Thunderstorm Platform were liquidated, many of them were high flyers, who mistakenly entered this industry and were destroyed;

Borrowers with good credit lost the relatively simple financing method, while malicious overdue borrowers ran away smoothly when the platform closed down. On the surface, it is a winner, but in fact it is a loser. The bottom line and credit are gone. Some people who have successfully transformed after harvesting on both sides are winners.

The sudden epidemic situation has aggravated the tragic color of this industry. So far, for lenders, the best outcome is not to maximize the benefits, but to minimize the losses.