P2P platform intensive mines，Who knocked down the dominoes in the mutual gold industry?

P2P platform intensive mines，Who knocked down the dominoes in the mutual gold industry? recent period，Online loan platform explosions occur one after another，It scares countless investors!One wave comes after another，The residual heat of Qianbao.com and Tang Xiaoseng’s thunder incident is still there，Dad Qian here is in a standstill again.! 7The evening of the 9th，Qian Daba, a veteran Shenzhen P2P company that has been operating for five years, issued a "Platform Suspension Announcement"。

The announcement stated，Due to the recent overdue and redemption difficulties on many platforms,，Investor panic spreads，As a result, some lenders on the platform experienced delays in remittances.，The company is currently closed for business，The local economic investigation department has been involved in the investigation。1 300The "building" worth more than 100 million yuan suddenly collapsed. Shenzhen Qianbaba E-commerce Co., Ltd. was established in January 2013.，Registered capital 100 million yuan。

Main assets include institutional bids, etc.，Comprehensive yield remains between 9% and 12%。2025October，Launched Ping An Bank’s capital depository system，And as a high-tech enterprise in Shenzhen、Vice President Unit of Shenzhen Internet Finance Association，Full of halo。 Dad Qian’s latest public appearance，It was rated as a three-star enterprise in the "Second Shenzhen Enterprise Social Responsibility Evaluation" at the end of April this year.，with Huawei、Industrial and Commercial Bank of China and other companies received awards on the same stage。

And according to the latest data，The cumulative transaction amount of the platform

1. 9billion，As of June 30, 2025，The platform still has a loan balance
2. 77billion。 According to industry estimates，This suspension of operations and bidding suspension，Or involve tens of thousands of investors。

2 The explosive effect of the p2p platform. Qian’s father’s announcement mentioned an important factor that triggered the platform crisis.，That’s because other platforms in the industry have payment issues.，Caused everyone to panic，Therefore, there was a run on our platform.，Leading to platform liquidity problems。

According to Qian’s father，Some borrowers spread malicious and improper information on the Internet on the grounds that the P2P financial platform is not compliant.，This leads to a gradual decline in borrowers’ willingness to repay under the overall environment.，Makes many investors nervous，A large number of users concentrated on applying for cash withdrawals, causing an increase in the platform's withdrawal workload and backlog.，This is a phenomenon that has led to delays in repayment by some lenders on the platform.。

Earlier，It was also mentioned in the open letter of Wang Xuhang, the head of Hangzhou Niubanjin, who was exposed，Under normal circumstances，The average daily redemption volume of Niubanjin is around 80 million，After the Tang Xiaoseng incident，The average daily redemption volume of Niubanjin rose to

1. 6100 million，reached a peak
2. 2100 million。The weekly redemption volume has also doubled or tripled compared with usual times.。 In other words, this wave of thunder on the p2p platform has a conductive effect.。 3 What knocked down the mutual gold dominoes?

So what is the original source of the industry transmission effect? First of all, because the overall financing environment this year is relatively tight,。 We know the money invested in these high-yielding platforms，Many of them also use financing to earn interest differentials.，Then after the financing channels such as cash loans are tightened,，The money that has been invested in high-yield platforms is busy withdrawing，There is also significantly less money for new investments in these high-yield platforms.。 Secondly，New speculation channels such as the new boom in the property market are factors that divert funds.。

The price limit for new homes attracted a lot of money to lottery，Among the funds frozen by lottery，A large part of them usually earn interest from high-interest platforms.，But as soon as the new properties opened, they were all taken away.，It is easy for high-yield platforms to experience runs and thus liquidity problems.。

Take Qianbao.com as an example，Before the collapse of Qianbao.com at the end of last year, ten real estate projects were launched at the same time in Nanjing.，Launched nearly 3,200 units，And they are generally more than 10,000 per square meter cheaper than the surrounding second-hand houses.，This triggered a craze for lottery and house grabbing.，A large amount of funds were frozen。 Therefore, the phenomenon of concentrated thunderstorms has both factors in the overall environment.，There are also factors that divert funds through new speculative channels.。

but more importantly，If panic in the Internet financial industry continues to spread，It’s hard to guarantee that more explosive platforms won’t emerge.。 4 So，P2P can no longer vote? Recently, there has been a series of explosions in the P2P industry.，After Shanghai is fried, Hangzhou is fried，After the bombing in Hangzhou, the bombing in Shenzhen。According to statistics from Wangdaizhijia.com，In June alone, 46 online lending platforms had problems，The number of investors involved has exceeded 10 million，So is it true that P2P can no longer vote?

In fact, you can't beat him to death with a stick.，Currently, the platforms that have problems are mainly some pseudo-P2P platforms or platforms with deviations in the flow of funds.。If it is a formally operated P2P platform，There is no maturity mismatch between assets and liabilities，The money went to the loan program described，This kind of platform generally has no problems。Unless there are really a lot of bad debts，And appear concentratedly、Can't digest。Otherwise, there won’t be much of a problem under normal circumstances.。

In short，Choose P2P，We must follow the principle of "don't invest if you are not familiar with it"，In other words, before investing in a platform，You must have an in-depth understanding of it from the above aspects，This is how you are responsible for your own principal，Don't take any chances。 Of course，If you invest in something with particularly high returns，There are also some platforms that are suspected of being pyramid schemes，Then be careful，In the current environment, Ponzi scheme-like platforms will collapse at any time.。

If unfortunately you encounter such a platform，If it doesn’t collapse, get your investment back as soon as possible，If it collapses, keep the investment、Evidence of transfer。Report the crime to the local police station immediately。 business cooperation、Business consulting、Media Cooperation *Welcome to leave a message at the bottom，Communicate, learn and discuss with Tanglang Xiaozhu。

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