More than 380 P2P online lending platforms have been put on file for investigation.

　　A few days ago, a circular issued by the Ministry of Public Security attracted the attention of all sectors of society on the P2P peer-to-peer lending platform.

　　According to the circular, since June, 2018, the risks of P2P peer-to-peer lending platform have been frequent, seriously infringing on the legitimate rights and interests of the people and disrupting the market economic order. Up to now, the public security organs have filed investigations on more than 380 online lending platforms suspected of illegal fund-raising crimes. According to incomplete statistics, the value of assets involved in seizure, seizure and freezing is about 10 billion yuan.

　　The circular also pointed out that the criminal cases of illegal fund-raising on the P2P online lending platform are characterized by high incidence, strong deception and prominent escape.

　　The timely action of the public security organs has been affirmed by the majority of lenders. However, what needs to be seen is that it is precisely because some lenders have a "speculative" mentality about "investment" that these illegal platforms have an opportunity.

　　"Illegal fund-raising is often covered with ‘ Legal ’ The coat does things that harm the interests of users. " Bao Jianfu, general manager of Kaixin Loan, said. According to statistics, among the 1,282 fake P2P platforms that went wrong in 2018, 74.19% were suspected of illegally absorbing public deposits and 19.89% were suspected of illegally raising funds. These fake platforms of "selling dog meat by selling sheep’s head" have caused property losses to many users, seriously damaged the image and reputation of the industry, and made users misunderstand the online loan industry.

　　In Bao Jianfu’s view, stepping up efforts to crack down on illegal fund-raising can protect the legitimate rights and interests of users and make these illegal fund-raising platforms have nowhere to hide. The second is to maintain the normal order of the industry. The pseudo-platform of illegal fund-raising destroys the image of the industry, eliminates them, and removes the false from the true, which is conducive to restoring users’ confidence in the industry and promoting the healthy development of Internet finance. At the same time, cracking down on illegal fund-raising has also curbed the illegal phenomenon in the industry to a certain extent.

　　It should be reminded that for lenders, when choosing online loan products, they must adhere to the concept of "financial management is risky and investment needs to be cautious" and develop the habit of rational investment. "When selecting a platform or evaluating specific targets, lenders should not be ignorant, and should fully understand the shareholder background, business type, asset authenticity, platform risk control effectiveness, asset quality, and exit rules of planned targets before investing." Li Pengfei, an analyst of online loan Tianyan, said that we should also avoid fluky psychology. In the face of the temptation of ultra-high income, we should calmly analyze the platform business, guard against Ponzi scheme and avoid losing the principal.

　　Li Pengfei pointed out that lenders should use the Internet to obtain information through multiple channels and make comprehensive judgments. They should not decide to lend only by the state-owned assets, venture capital and listing background promoted by the platform. According to the observation of the "Thunder Tide" in 2018, no matter how glamorous the platform is, as long as the assets are untrue, the capital flow is unclear and the business is not compliant, it is still impossible to avoid thunder. In addition, the lender can further control the subject matter that has been lent by checking the asset quality of the platform. If a fictitious subject matter or a sign of self-absorption is found, it should be reported as soon as possible to recover unnecessary losses to the maximum extent.

　　Lenders need to understand that there is no free lunch when choosing online loan products. "Before choosing a product, lenders must first have a very clear understanding of their ability to take risks and choose a product that suits them. At present, the general annualized rate of return in the industry is 6% to 8%. We should actively reject the temptation of high interest rates and stay away from illegal fund-raising. " Bao Jianfu also suggested that lenders should actively improve their financial management expertise, ask more questions and research before investing, and choose formal channels through comprehensive judgment from multiple angles.