Bull Market Leads To Serious Loss Of Investors On P2P Platform

There are two sides to everything.

Under the influence of

At the same time, some P2P platforms begin to distribute products on line.

According to incomplete statistics, there are dozens of P2P platforms for stock allocation in China.

In the stock market craze, part of the P2P platform within a few days to complete the paction volume of 100 million yuan.

When the stock market is better, the funds withdraw from the P2P and pour into the stock market.

Faced with the continuous high volume of stock market turnover, many P2P platforms are facing the pressure of investor turnover.

Net loan home data show that in the first two months of this year, the volume of P2P platform in the whole country was 35 billion 782 million yuan and 33 billion 514 million yuan respectively, with a decrease of 3% and 6% respectively in the month to month ratio, and the downward trend is obvious.

Since March, some investors have been asking for an early redemption request after seeing the stock market continue to rise.

Stock market diversion of platform funds is very obvious.

Affected by this,

The difficulty of developing new investors has increased a lot, and the cost of market input has increased a lot.

The so-called share capital allocation refers to the allocation of funds on the basis of investors' original funds, and the provision of funds to investors in accordance with a certain proportion. At present, the industry generally allot money in accordance with the ratio of 1:5 times to 1:10 times, for example, the investor's A account has 500 thousand yuan, and the matching company will provide 2 million 500 thousand yuan to 5 million yuan of funds.

Operator.

An analysis of the network loan platform leader who carried out the business said that the difference between the stock allocation and the traditional stock allocation business is that all the processes of the P2P matching business are carried out on the network, including the user registration, the signing of the electronic contract, the payment of the formalities, and the interest on the loan.

Breaking the geographical limitations, we can face more capital providers.

In addition, the multiple leverage theory can also provide some good profitability and risk control capabilities, but investors who are constrained by their own small amount of funds can give full play to their trading ability and profitability.

Ma Jun, a researcher at net loan home, said that the current capital allocation businesses of all platforms require investors to operate on the platform provided by the platform so as to manage their accounts, and at the same time, by setting up line and clearance lines to prevent the impact of the sharp fluctuations in the stock market.

In spite of this, when the stock allocation brings more benefits, it will inevitably enlarge the risk and magnify the risk of the investors.

In May last year, the platform for "stock loan", which specializes in stock distribution business, has been on the run.

At present, the relevant regulatory details of the P2P net loan platform have not yet been promulgated, and the stock allocation business is in the gray area, and the policy risk can not be ignored.

Wu Jingmiao, an analyst at the bank financial network research center, said that the stock financing business is essentially a kind of loan business. The P2P net loan platform is easy to cause business and liquidity risks under the immature technological conditions or blind expansion.

Another industry also pointed out that since the second half of last year, the edge products of Internet financial management have begun to enter the public view, and have entered the Internet financial platform, especially the recent consumer finance, supply chain finance and stock allocation that have attracted widespread attention, which are closely related to residents' consumption, real economy and capital market, and may form the main growth point of the industry in 2015.

At the same time, we should be alert to the risks behind the docking of Internet financial platform and diversified assets.

For the P2P platform, the online distribution business has great temptation.

A P2P insider told reporters that the market demand for funds is not tight enough years ago, and many platforms are hard to find suitable projects.

The allocation of funds has just filled the vacancy in the seasonal off-season of the project.

In addition, another important reason for part of the platform's capital allocation business is that at present, the rate of non-performing platform continues to rise. Compared with other projects, the risk of capital allocation is relatively controllable.