< p > at present, the industry of a href= "http:// m.pmae.cn/news/index_c.asp" > P2P < /a > is in a period of rapid development, and the market has not reached saturation state.

Even with all kinds of negative events, such as running, no regulation and collapse, the volume of P2P has been increasing at a faster pace.

Data show that as of the end of June 2014, the volume of P2P nationwide reached 81 billion 800 million yuan, approaching the volume of last year's turnover.

In July, the total turnover of P2P reached 20 billion 546 million yuan, an increase of 35%, and the first time it exceeded 20 billion yuan.

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< p > financial bigwigs are also seeing the future space for development in this field. At the same time, with the help of P2P, the Internet platform can also enrich their business models and launch more abundant investment methods. Many new schemes, such as mortgage loans, securities, funds and pawnshops, have already been put into practice in some platforms.

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< p > in the pterosaur loan CEO < a href= "http:// m.pmae.cn/news/index_c.asp" > Wang Sicong < /a >, it seems that banks and other financial enterprises marching into P2P is not a shock to the ordinary network loan platform, but rather a positive one. This will enable more people to participate in and pay attention to the P2P market, which is conducive to improving the social attention and recognition degree of P2P net loan.

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< p > at present, financial companies are also playing the role of P2P in making P2P, but the a href= "http:// m.pmae.cn/news/index_c.asp" with strong strength, the finance "/a" big brother endorses it, and the possibility of "running away" is low. This advantage has been favored by many investors.

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< p > an investor says that the customers of these traditional financial companies are more than a million level. If you want to run, they will not bother to make another P2P website to get that black money because they are not at all impressed. Most of the big clients are above millions. If there is no professional ethics, they should be done according to the regulations of the CSRC CIRC.

Do not go back to pursue those short-term benefits, for strategic considerations, horse race enclosure.

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< p > related links: < /p >

< p > the website carries on the principal and interest guarantee, or has the strong Guarantee Corporation, this is now the market P2P platform most likes to emphasize the gold lettered signboard.

Correspondingly, investors are required to sign a risk notification book which does not promise their principal and interest when they are financing by banks and other traditional financial companies.

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< p > should someone come out to guarantee the investment? If bad debts are too many, which is beyond the scope of the P2P platform itself, the user's guarantee promise at the beginning will become empty talk.

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< p > Wang Yanxiu, director of the innovation Department of CBRC, said that P2P itself should not guarantee that it can not promise the proceeds of the loan principal, and does not undertake credit risks and liquidity risks.

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< p > recently, Lu Jin has released many official signals that the third party guarantee will be phased out.

Dai Xiuxian, deputy general manager of Lu Jin, said that using personal credit rating to conduct business and allowing investors to choose their own investment products based on their own risk preferences will become their development direction.

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