What are the abnormal features before the P2P problem (video)-www.xici.net

What are the abnormal features before the P2P problem? This article from WeChat public number: P2P net loan observation, believe that there are many people in the investment, know the company has risk, but covet high returns, think the company can in the security period to redeem the funds, but the results of many times, the security period of the platform is estimated wrong. According to the data of the third party platform statistics, as of mid December 2015 2015, a total of 1827 new platforms, while the number of 2015 platform reached 843, of which more than half of the platform life of not more than 6 months, the cumulative history of platform reached number 1302, about 13 of the total, you want to say inside these data are just the online platform the data, there are a lot of line platform collapse and no statistics to the problem of the platform so far more than 13. Today, insider Jun simply to sum up, P2P company under what circumstances will be broken capital chain, welcome to supplement! At the end of the year, I wish you all the best investment and happy new year! 1. crazy out, especially the quantity and time of short subject daily released the subject is not much difference, one day suddenly released a large number of targets, especially the day mark, suction gold desire is very high. 2. long time to stop issuing some of the platform will be released to suspend business announcement that the company should be adjusted and then gone for ever, and some directly disappeared, long time not updated subject. 3. suddenly high rise, just set up activities. Compared with the platform will generally have a lot of activities, the interest rate of red envelopes, but after a period of time, interest rates will decline slightly stable. If the platform wants to run on foot, you will want more ways to absorb more money, suddenly high interest rate hike, send gifts, and even some platform just finished the customer appreciation dinner second days on foot. If you want to have a sudden increase in interest rates of 4% or even higher platform, you must be vigilant. 4. withdrawals are slow, usually withdrawals as long as one or two days or even real-time accounts, sudden withdrawals time increased for several days, this time it may be the company ready to run away, and has siphoned off a large part of the funds, resulting in insufficient capital flow. 5. times to reduce staff assessment, improve the treatment of employees, or suddenly forced employees to encourage more billing this is to open the list, go fishing. The classic example is the large group, the performance evaluation from 100 thousand to 50 thousand, and from 10 thousand to 50 thousand, even the administrative personnel must not pay billing, otherwise, the most funny is reduced to 1000 yuan last examination. The basic salary also suddenly increased to 8000 or even 14000, and the salary of girls was a little higher. 6. platform executives did not show up for a long time, many senior officials found that the company is about to appear problems, also quietly left. The boss is also busy with the transfer of assets, everyone did not show up for a long time. Some bosses also make excuses to leave when cashing problems occur, like An Hao holdings boss said to raise money to honor, and then disappeared. When the platform is prone to cashing problems, the boss knows, if you can raise money, there will be a way. UTS wealth cheat investors said the company will be in talks to buy e, a treasure of the acquisition, these are under the guise of giving investors want their good time to escape. 7. boss divorce platform boss before killing

P2P出问题前有哪些异常特征? 本文转自微信公众号:P2P网贷观察相信有不少人在投资的时候明知道公司有风险,但贪图高收益,觉得公司能够在安全期内把资金赎回,可结果很多时候平台的安全期限预估错了。根据第三方平台数据统计,截止2015年12月中旬,2015年共新增1827家平台,而2015年问题平台数量达843家,其中过半平台寿命不超过6个月,问题平台历史累计数量达到1302家,占总数的的大约1 3,内幕君想说这些数据都只是线上平台的数据,还有一大堆线下平台倒闭的并没有统计到其中,因此问题平台远不止1 3。今天内幕君简单给大家总结一下P2P公司什么情况下会资金链断裂,欢迎大家补充!年底了,也祝大家投资顺利,欢喜过年!1. 疯狂发标,尤其是短期标的平时每天发布的标的数量和时间相差不多,突然一天发布大量标的,特别是天标,吸金欲望异常高涨。2.长时间停止发标的有的平台会发布暂停营业公告称公司要进行调整然后就一去不复返了,也有的直接就消失,长时间不更新标的。3. 突然高幅度加息,活动力度较大刚成立的平台一般会有很多活动,加息发红包,但是过了一段时间,利息就会稍微下降平稳。如果平台想跑路了,就会想更多办法吸收更多资金,突然高幅度加息,送大礼,甚至有的平台刚办完客户答谢宴第二天就跑路。如果注意要有平台突然加息4%甚至更高,那就要警惕了。4. 提现缓慢平时提现只要一两天甚至实时到账,突然提现时间增长好几天,这时候有可能是公司准备跑路,并且已经抽走了一大部分资金,导致资金流不够顺畅。5. 多次降低员工考核,提高员工待遇,或者突然强制员工开单这就是拼命鼓励员工多开单子,捞一把走人了。经典的例子就是大大集团,业绩考核从10万降至5万,然后从5万降至1万,连行政人员都必须开单,否则没有工资,最搞笑的是最后考核降低至1000元。底薪也是突然增加至8000甚至14000,且女生的工资稍微高一点。6. 平台高管长时间不露面很多高官发现了公司即将出现问题,也就悄悄离职。老板也是在忙着转移资产,大家都长时间不露面。也有的老板在出现兑付问题时找借口离开,像安昊控股的老板说要去筹钱兑付,然后就消失了。平台什么时候容易出现兑付问题,老板都知道的,如果能筹集到资金,早就会有办法的。众信财富则骗投资者说公司在谈判收购,即将被e某宝收购,这些都是幌子,给投资者希望自己也好有时间躲避。7. 老板离婚平台老板跑路前会想尽办法转移资产,提前几个月离婚把大部分资产转移到妻子名下,一旦东窗事发就比较难找到资金去向了,即使进了号子以后出来还有很多钱。经典案例山信财富、训贷网,尤其训贷网,据知情人反映该公司老板的妻子为公司财务,离婚后也一直住一起。8. 拖欠员工工资员工工资都发不出来,说明资金严重紧缺,也有可能是事先准备好的,先抽走了资金,大部分平台出现发不出工资的时候会在2个月内出现大规模兑付问题,快的一个礼拜就出问题。经典案例有南京瑞驰、大大集团、安昊控股等9. 注册另一家平台有些问题平台会有多家理财公司,方便拆东墙补西墙,也改不了秉性,反正都是骗,多开几家又能怎么样。有的公司新注册平台为了转移资金或者吸收资金补老平台的漏洞。经典案例南京瑞驰跑路前有一家上海渠宜,而且还注册了一家金翰林,三农资本的老板还有一家平台叫众润金融。投资者要注意了,有些问题平台的老板本来就有诈骗前科,或者直系亲属有诈骗前科。10. 频繁更换法人代表或办公地点有些问题平台的法人代表是残疾人或者精神病患者,或者跑路前把法人改成残疾人或者精神病患者。经典案例众财富,据知情人介绍其担保公司的法人为老年痴呆。经常更换办公地点有可能是公司在大肆扩张,租用新的办公室时装修费等可以赊账,经典案例有大大集团,有多名员工曾反映一个月内换了两三个职场。11. 透明度降低平时会公布公司的动态,但是长时间信息发布平台每天都是发布一些没用的东西,全是复制粘贴,投资者基本上不能了解公司动态。如果平台公众号每天都只知道发送礼加息活动,没有任何公司动态,也是需要注意了。大家也会注意到有个别平台在出问题前还会隐藏交易数据。12. 大量虚假宣传,画大饼很多人问内幕君,这家公司说准备上市,然后很多员工会有股权甚至投资者都有机会。内幕君想说,没有哪家公司不想上市的,关键看实力行不行,没做多久就喊上市的要么不靠谱要么公司不咋地,明显目的不单纯。内幕君这里再次提醒投资者,不要轻易相信股权交易上市挂牌的公司,首先不是上市公司,其实这种背书没有任何意义,好的金融公司基本上都不会去挂牌股权交易所的,门槛极低。其次不要轻信有金融牌照的P2P平台。13. 突然停止提前赎回平时可以提前赎回的,但是突然公司可能是资金紧张停止所有提前赎回,而且时间比较慢,短则半个月长则一个月。这种情况不能说一定有问题,但起码说明其资金流没那么通畅了,其次有的公司就是想多卷一点跑了,不让赎回。内幕君提醒,尽量选择合同明确赎回时间的,如三个工作日以内到账,以及赎回违约金明确且在5%以下,如果平台随时可以赎回而且没有违约金那就很不靠谱了,内幕君也听说有的提前赎回违约金高达10%甚至15%,这明显就是坑人嘛。14. 突然扩张速度惊人,招人无任何门槛公司知道未来某个时间段可能会出现兑付问题时,会通过大规模疯狂扩张吸收资金覆盖兑付数量,招聘时不设置任何门槛,只需要开小额单子即可。传销的特征就是成倍扩张,这样才能确保资金链不会断裂,后来者即是接盘者,扩张速度达不到就会资金链断裂,接盘的人数不够自然就倒闭。如果你发现该公司的大部分员工或自愿或强迫投资了,而且是小额投资,且这小额投资能给公司带来的利润远远低于该员工的工资或者人均成本。以上特征可以归结为四个字“开源节流”,意思是说公司吸金欲望表现异常强烈,且尽量拖欠或者避开大额资金流出。一家公司涵盖以上14个特征越多,出问题的可能性越大。【声明】本文来源于微信自媒体账号,仅代表作者个人观点,与腾讯无关。我们尊重自媒体知识产权,如有版权问题,可联系腾讯理财QQ号(611998558)。 20151229德林爆语:P2P大清洗:监管与资产荒双杀相关的主题文章: