Jun
04
2018

P2P platform this year, a variety of celebrity endorsements need to be vigilant-kamikaze love

P2P platform this year variety of celebrity endorsements more need to guard against the "investor" reporter Wang Yu just after new year, the Internet financial industry smoke again. Two net loan platform recently, once again to investors after the investment has sounded the alarm. Recently, Xin Qi asset was broken 1 billion 900 million cashing crisis, the news came out, investors can not accept, have begun to protect rights. Zhang Tielin, the film star who speaks for him, is deeply involved in the crisis and may need to undertake the relevant legal responsibilities in the new advertising law. As a result, the star for the financial platform endorsement risk once exposed, platform and star individuals are faced with a great crisis of confidence. In addition, some investors broke the news to the media, "Hi vote" in Shenzhen has been difficult to mention before the year. The odd thing is that this platform formerly Raycom loan rumors in mid 2014 because of funding problems will soon fall. Since then, a large platform "debt to equity" is called "investors to raise, struggling to support two years’ crisis. These two "distinctive" issues platform events, caused great concern in the industry and investors. In this regard, "investor" reporter interviewed a number of industry insiders, they have said that this year’s economic situation is not optimistic forecast, there will be more problems platform, so investors must be cautious and prudent investment and financial management. Among them, resonance technology CEO Lu Yuquan believes that there are two types of platforms are most prone to problems: one is the policy tightening, engage in some self platform thawing will gradually exposed; the other is with the downturn in the economic situation, the ability to control the wind is not the platform bad debt rate will continue to rise, some of the poor management platform there will be problems. Star endorsement and platform practical ability is not strong, there is no necessary link. For the platform has clearly emerged problems, even if the operation again, investors must be cautious, the safest way for such platforms is not to touch, once the financial industry problems, it is difficult to re start the industry. Star endorsement of the net loan risk is unknown in December 2014, Shaanxi Xin Qi assets to increase brand influence to invite Zhang Tielin as its spokesperson, and held on January 17, 2015 to "drive to the emperor," the word "as the theme of the news conference. Zhang Tielin is still on the conference for Xin Qi assets inscription: authoritative, linfe. But after the Spring Festival this year, Xin Qi asset was broken 1 billion 900 million cashing crisis, Xin Xin Qi assets after the expiration of non interest payments, want to take foreign auction to the client as the principal, and the house is not in accordance with the previous contract stipulated in the fold, but became 15% off. News came out, investors can not accept, have begun to protect rights. According to the "investor newspaper" reporter, Xin Qi assets formerly known as real estate intermediary, the current business has gone far beyond the scope of business registration. Reporters learned that a large number of investors said, Xin Qi assets of capital flows to real estate projects. An investor said that Xin Qi asset financing by the way of asset securitization, the real estate proceeds packaged into products, and then transfer the proceeds, constitute financial derivatives. Its essence is Xin Qi assets through P2B.

P2P问题平台今年出现变种 明星代言更需要警惕   《投资者报》记者 王宇   年关刚过,互联网金融行业烟雾再起。近期的两起网贷问题平台事件,再度给投资者节后的投资敲响了警钟。   近日,鑫琦资产被爆出19亿兑付危机,消息一出,投资者无法接受,纷纷开始维权。而为其代言的影视明星张铁林深陷危机风波中,可能需要承担新《广告法》中的相关法律责任。如此一来,明星为金融平台代言的风险一旦暴露出来,平台与明星个人都面临着极大的信任危机。   另外,有投资人向媒体爆料,深圳的“Hi投吧”年前已经提现困难。奇怪之处在于,这家平台的前身叫融科贷,传闻2014年中旬因为资金问题就快倒下。此后,平台进行大户“债转股”后却美其名曰“投资人众筹”,苦苦支撑两年再遇危机。   这两起“颇具特色”的问题平台事件,引起业内与投资者的极大关注。对此《投资者报》记者采访多位业内人士,他们纷纷表示,对今年经济形势的不乐观预测也会有更多的问题平台出现,因此投资者的投资与理财一定要谨慎再谨慎。   其中,共鸣科技CEO陆雨泉认为,有两类平台最容易出现问题:一个是政策趋紧,一些搞自融的平台问题会逐步暴露出来;另一个则是随着经济形势的不景气,风控能力不够的平台坏账率会不断上升,一些经营不善的平台也会出现问题。明星代言与平台实际能力强不强没有必然的联系。对于已经明确出现过问题的平台,即便再次运营,投资者一定要谨慎,对于这类平台最安全的做法就是不要去触碰,金融行业一旦出现问题,就很难再次创业的行业。   明星代言网贷风险未知   2014年12月,陕西鑫琦资产为增加品牌影响力邀请张铁林为其形象代言人,并于2015年1月17日召开以“皇上驾到,一言九鼎”为主题的新闻发布会。张铁林还在发布会上为鑫琦资产题字:一言九鼎,财源广进。   但是今年春节刚过,鑫琦资产就被爆出19亿兑付危机,传鑫琦资产到期后不支付利息,想拿外地期房给客户充当本金,并且房子并非按照此前合同中规定的对折,而是变成了85折。消息一出,投资者无法接受,纷纷开始维权。   据《投资者报》记者了解,鑫琦资产前身为房产中介,目前经营业务已远远超出工商登记的经营范围。记者了解到,大量的投资者表示,鑫琦资产的资金流向了房地产项目。一位投资者称,鑫琦资产用资产证券化的方式融资,将房产收益权打包成产品,进而将收益权转让,构成金融衍生品。其本质就是鑫琦资产通过P2B(个人对企业的贷款模式)的模式帮助房地产商融资。   广大投资者认为,既然张铁林为鑫琦资产的代言人,就该为自己的言行负责,毕竟作为一个明星,其影响力可不是一般人能比,因此,张铁林深陷危机风波。   事实上,演艺明星们为网贷代言的事例也越来越多,有投资者对此表示深深的担忧。对此,拍拍贷CEO张俊认为,明星代言从品牌营销的角度来说,是一定程度上扩大品牌影响力的宣传手段。但投资者还是应该多从平台自身的资质来进行评估,从而决定是否要去投资这个平台。   陆雨泉更是直言,“在网贷行业,有演艺明星代言的平台不一定就安全,明星代言平台增信没有实质的作用,因为大多数明星是不懂金融的,只是收取代言费。”   问题平台复活不可轻信   据媒体爆料称,两年前几乎倒下的问题平台“融科贷”,如今“死而复生”,摇身一变成为“Hi投吧”。官网资料显示,Hi投吧是一家纯信息中介理财平台,布局全国开展业务,利用典当模式通过线下门店Hi投普惠搜集借款人需求,平台可以采取加盟模式。   但媒体人士多方证实,Hi投吧年前就出现了提现困难。而传闻公司很多员工早已经离职。然而,从2016年开始平台明显开始加息,从原来的14.5%左右的收益率提升到了17%的年化收益率。但这仍高于网贷行业正常的收益水平。   记者注意到,在公司给出的临时提现办法中,规定“每个投资者每天提现金额原则上不超过1000元,按先后提现顺序排列,一天处理50-100人;从2月22日开始,新充值投标金额予增加提现额度。每投1万元1月标给5000元提现额度,每投1万3月标,给10000提现额度。增加续投金额的万分之三奖励,即时到账”。也就是说,只有投资者再次投资才能获得提现额度,而且是极其微少的额度,风险可见一斑。   在一些第三方网贷论坛投资人所发的帖子中,投资人称,“佳路数据监测到资金巨额流出,最近猛搞虚假活动、提现半个月未到账、客服QQ不回应、电话无人接。难道搞活动是为了填坑?”对此,媒体从多处证实,该平台确实在年底前搞了一系列的优惠活动,但多数投资人反映所谓的活动奖励,根本不能提现。   如今,此问题平台的情况依然没有得到解决。事实上,问题平台“死而复生”的案例早已有之,但未能再度获得投资者信任。但此类事件频发,在爱钱帮CEO 王吉涛看来,网贷行业的确面临很多问题,良莠不齐、鱼龙混杂。   王吉涛认为,伴随着监管逐渐明晰,大部分平台都在积极整改、调整转型。而这些运营方式本身存在巨大风险的平台,一直不符合监管要求,出现问题是迟早的事情。   九斗鱼CEO郭鹏建议投资者,要想不在网贷理财时“摔跟头”,首先需要认识到P2P理财是投资行为而不是投机行为,不盲目贪高息,只考虑收益不考虑风险的投资行为都是非常危险的。其次,要选择靠谱的P2P平台,这就需要投资者在投资前对平台有全面地了解,包括网站的体验度、平台负责人从业经历、平台风控、标的透明度、数据信息披露以及贷后安全保障措施等,了解比对之后做出综合判断,不要盲目跟风。   王吉涛也表示,投资者要注意两点:1.要戒除贪婪,对理财收益有合理的要求。目前整体资产的收益率都在下降,市场上的固定收益产品年化8%到15%之间就很好,如果有一档产品收益率超过20%以上就很高,借款企业需要承担相当高的成本,容易出现一些风险。2.深入学习理财知识,不一定要成为专家,但要具备基本的常识。要知道风险与收益的匹配度,知道各大类和小类理财产品的种类、风险收益特性、流动性、费用特征以及其他的相关规定。要了解学习资产配置的基本常识,懂得投资的一些基本逻辑。相关的主题文章:

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