Port communicationDare to ask where the way is，An online lending platform that has gone through many shuffles，I thought that the old Paoer, which has been in business for many years, would not suffer from thunderstorms.，Reality is always so ironic，As of today, the Tang Xiaoseng incident，The cold icy rain extinguished the enthusiasm of many investors。
Friend little C，Now I have insomnia day and night，trembling with fear，P2P thunderstorms continue recently，All the wealth he gained from working hard in Shenzhen over the years is in it.，He usually squeezed out this money bit by bit from his teeth.，Including meal savings from eating cheap fast food、I used the network fees saved by my neighbor's network...I wanted to use money to make money.，I can't believe the situation is so bad now，Will the money still be available on time?
As a veteran driver who has been playing in the P2P circle for many years，Little C belongs to the group of people who are the first to smell the benefits of P2P，almost overnight，Lend money to strangers online，Earn higher returns than deposits and financial products - becoming an emerging field that a large number of investors are rushing into.。
There are often financial products with yields exceeding 15%.，Let "Little C" see the exciting side of life，the first thing you do every day，It’s no longer about opening Yu’E Bao，Looking at the jumping numbers and the gains of a few dollars yesterday，Instead, join the hot bidding competition.，A crazy hand-speed battle began，The moment you grab the target，It's like winning a lottery worth 30,000 yuan，elated。
Over time，Grabbing bids has become a daily habit，Watching Yu’e Bao’s glory fade from the previous “stars supporting the moon” to the present，P2P has become the last bait, making people unable to stop.。And the early profits seemed to have opened Pandora’s cartridges.，After Little C tasted the sweetness，Appetite gradually increases。From tens of thousands in the early stage to hundreds of thousands in the later stage，He invests more and more。But what I didn't expect was，The situation begins to reverse。
The wild growth of cash loans from last year，After receiving great attention from the then Banking Regulatory Commission,，Small loan licenses were urgently suspended，Still not stopping this year，Various punches，P2P platforms have plummeted from more than 3,000 before to more than 1,000 now.。Many P2P platform bosses are crying out loud，Because the huge registration project is finally 80% ready，Now, even though the registration was said to be delayed, it was delayed.，I don’t know what will happen when the new registration details are released?
For little C，It’s also a dilemma，as a shareholder，I also followed this P2P platform to eat meat before.，The company is in trouble now，It’s impossible to withdraw your investment immediately and get out of the house，况且别的股东也都是抱着挺过难关的决心，自己认怂显得不厚道不说，Instead, he will be severely reprimanded by the chairman of the company.。Because he doesn’t have that little money，The company can no longer survive，Now，They are all grasshoppers on a rope。
Little C now，I can only hold on while struggling，While waiting for the arrival of the last light。In this regard，There are different opinions，someone said，Only unicorns can survive；someone said，The economy is in recession now，stock market crash，Anyone with spare money is speculating in real estate.，P2P is not yet born in the sun，I'm afraid that the concept of "housing is for living, not for speculation" will come to nothing again.。
And in his opinion，When a cash loan、These "maggots" of routine loans have polluted the entire P2P market，This determines that the process of “detoxification” is arduous and full of pain.，therefore，Don’t look at the P2P market negatively just based on its external appearance.。one：From a macro level，Not only will mutual funds not be killed with sticks,，Is it an industry supported by the state?。
Why should we engage in platform registration?，A series of detailed rules and regulations will be introduced，Just to standardize the industry，Let all companies and businesses that fish in troubled waters get out。And now，不是不能投，是不能乱投，Risk awareness and reasonable allocation are very important。You must understand that online lending itself should have risks，In this way, it is reasonable that its income is higher than that of other financial products.。
Second：From a micro perspective，一个P2P平台作为一个民营公司同样有生命周期，There are too many factors that affect the survival of a company.，market、Internal management、The cost... affects the whole body。It is understood，Many P2P platforms，Previously, they were transformed from traditional industries.，No industry experience，No technology，The layman enters the scene，The elimination rate will definitely be high。Since last year, many problematic platforms have been exposed frequently.。
Third：The first few years of the mutual fund industry，Attracting an influx of hot money，The market is extremely inflated。Now the market has indeed reached a time when the industry ecology needs to clean itself.。The core of everything is "degree"，as an investor，This should also be the case，Reasonably arrange positions according to your own situation，Stay awake and discerning，Just follow the country's thinking。Watch until the clouds open and the moon shines，I believe there will be bread sooner or later。
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