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近年来,号称“风险低、收益高、资金流动性强”的P2P平台发展迅速。但近来却有一些P2P平台先后“跑路”、倒闭。P2P平台是网络借贷平台。网络借贷是指个人通过网络平台相互借贷,贷款方在P2P网站上发布贷款需求,投资人则通过网站将资金借给贷款方,网络信贷公司收取中介服务费。不规范运营暗藏风险北京市民刘先生今年5月通过网络知道了“网金宝”。“他们宣传的回报非常诱人,差不多有18%的年收益率。”刘先生说,“网站上说是中国人民银行监管的。”
In recent years, the P2P platform known as “low risk, high return and strong capital liquidity” has developed rapidly. But recently there are some P2P platforms have “run”, closed down. P2P platform is a network lending platform. Internet loans refers to individuals borrowing each other through the network platform, the lenders publish loan requirements on the P2P website, while investors lend the funds to the lenders through the websites, and the network credit companies charge intermediary service fees. Non-standard operating hidden risks Beijing citizens Liu know in May this year through the network “net Campbell ”. “The return they advertise is very attractive, with an annualized yield of almost 18%.” “Mr. Liu said,” The website says it is under the supervision of the People’s Bank of China. “”