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Guo Shuqing, chairman of the Chinese China Banking and Insurance Regulatory Commission, once said, "If the yield of wealth management products exceeds 6%, it will be questioned. If it exceeds 8%, it will be dangerous. If it exceeds 10%, it will be ready to lose all the principal." And illegal fund-raising often begins with the temptation of high returns. This summer, P2P platforms collapsed in batches after the rapid growth. In order to fully protect the legitimate rights and interests of investors in related cases, the public security organs began to conduct centralized online registration of suspected illegal fund-raising cases of online lending platforms on September 10.
We interviewed three investors and listened to the stories behind them.
CCTV News:Take off the big hat that can cover almost the whole face, and Song Fang’s swollen neck shows a bald head.
"I’m transferring you to manual customer service, please wait a moment … …” Every message will receive the same prompt after it is sent out. She gave a long sigh, pressed her thumb on the last message "I’m still waiting" and then fell silent.
In the eyes of other investors, her only label is "cancer victim", and everyone calls her Sister Song.
I thought this was the end, but I didn’t expect it to be far from enough.
Before the accident of a P2P platform, she was just an ordinary woman, even an ordinary female patient. And all the savings invested in the platform for treating diseases have gone and never returned, which doomed her to be the most special one in this huge group.
After breast cancer surgery in May this year, Song Fang took a long sick leave to prepare for rest and treatment. "I didn’t expect such a thing to happen … …” She kept repeating her thoughts.
The 50,000-yuan housing accumulation fund just proposed at the beginning of the year was originally intended to be used for the final radiotherapy. Considering that it can be temporarily put on the platform to subsidize the family, she hesitated and put all the money in her hand. A total of 120 thousand, is all her net worth, but also all the money in the family.
As high as 12.5% interest rate, for this woman who has never learned anything about investment and lives on her salary, it has finally evolved into a cliff-like risk, and there is no room for buffering.
This summer, the P2P platform collapsed in batches after its rapid growth.
Before Song Fang made his first profit, the "Redemption" button on the mobile phone page turned gray. At first, she thought it was only temporary that she could not withdraw cash. It was not until the police filed a case and the platform executives were detained that she realized that all the money was gone.
At a loss, I can’t even believe it.
How can this platform, which has been endorsed by banks and won many industry honorary certifications, be said to have collapsed? She kept asking herself.
A few days later, mental anxiety aggravated the chemotherapy reaction, vomiting, pain and insomnia all night. Afraid to tell her family, depression made her breathless in the dark. She doesn’t know how to face another blow after cancer surgery. This middle-aged woman, who is nearly 50 years old and has never had ups and downs in her life for most of her life, had the idea of suicide for the first time.
However, she dare not.
There are four old people in the world who need to be taken care of, and there is a son who just went to college. The lover’s salary of three or four thousand yuan a month, except the mortgage payment, must be carefully calculated.
Just put the money into the platform, something happened, and Song Fang didn’t even get the first profit.
Talking about his son, Song Fang shed tears one by one. She has thought about everything a mother can think of. There are too many places to spend money on going to school, getting married and buying a house. Failure to leave anything for her son is always the pain in her heart.
A P2P "thunderbolt" tide has put many strangers on the same front, but this does not mean that more people will make more power. Complaints, guesses and even some irrational behaviors are constantly staged in a confused, helpless and even flustered life. Holding a group to keep warm and blaming each other have become their outlets to vent their emotions.
Sometimes she is a bargaining chip for everyone to gain attention and sympathy, and sometimes she is also a burden that everyone dislikes and doesn’t care much. She also wants to go to the company where the accident happened, but she is not sure whether she can get her life-saving money back in this way.
Because she accidentally fainted and injured her 80-year-old mother beside her, she didn’t dare to take any more risks, and she didn’t have the capital to take risks. Besides asking if there is any important progress, she doesn’t talk to others easily.
She said that she thought this serious illness was over, but she didn’t expect it to be far from enough. Nowadays, the irredeemable chemotherapy money and the repeatedly infected wounds have become an inseparable fact in life.
P2P, originally a third-party platform to match personal-to-personal lending, has attracted trillions of funds in a short time because of its high income. However, when it finally became synonymous with Internet financial management, it was suddenly mythical after the infinite scenery. Executives run away, the project is overdue, the platform is liquidated, and after the decent, it is a chicken feather.
If you push too hard, you’ll only have a mean life.
In this "thunderbolt" tide of P2P, the vast majority of the people who suffer are ordinary working-class people, mainly retail investors, with children’s milk powder money, retirement pension money, hard-earned down payment for buying a house, and some people borrow money everywhere or even sell their property to put it on. From tens of thousands to millions.
I dare not ask for leave or get sick. I work hard for nearly 20 hours in 24 hours a day. I have to think about how to spend a dollar. This is the current state of life in Xiao Xie.
Xiao Xie, who is 27 years old, has 330,000 yuan that can’t be retrieved on the online loan platform, of which 150,000 yuan is borrowed from relatives, and the remaining 95,000 yuan is from credit cards. Now all the money is sinking into the sea, and there is no return. In the face of the credit card reminder, she had to go back to the old road and continue to cash out the new card.
At 12: 30 in the morning, after feeding the baby, Xiao Xie turned on the computer and began to deal with some private jobs he had received from outside. "Now I am desperate. I can only fight for money and pay back the money. If I push too hard, I will only die." When there is really nowhere to vent, she occasionally bursts out with a cruel word or two.
At the age of seed of love, I was pregnant before marriage. In Guangxi, where the traditional concept of son preference is still very strong, the man promised to get married if he gave birth to a boy. She thought that she could overcome the obstacles of reality with her feelings. However, contrary to expectations, the birth of her daughter did not enable her to enter the marriage hall smoothly. In addition, her father’s craniotomy was a heavy economic burden, and the man made it clear that he would no longer contact and then disappeared.
She cried and quarreled, but she finally accepted the reality of becoming a single mother for her children. However, after a life adventure, this young single mother stepped into another dangerous beach.
In 2016, P2P financial advertisements came to the fore, which was higher than the bank interest. The convenience of easy access became the first choice for many people who are not good at financial management but are eager for asset appreciation.
Starting from 1,000 yuan and 2,000 yuan, the continuous deposit for two years has made Xiao Xie earn more than 60,000 yuan in interest income. Under the temptation of "stable" high return, she took risks and kept borrowing money. Four credit cards were cashed out and relatives and friends borrowed them all over. When she was looking forward to using this due income to try to pay a down payment for her mother and children to change to a better house, the reality hit her again.
The financial platform "thundered" and her life fell into darkness again.
A family of five, parents, grandparents and children all need someone to take care of them. For her monthly income of 3,500, more than 200,000 debts are like a mountain, which makes her breathless. When she put all her savings at home and her children’s milk powder money on the line, maybe she didn’t realize that it was a gamble or even a death.
"Nothing is reliable, and I don’t want to save money any more. Let’s spend what we need," Xiao Xie said.
The six-story board building built in the 1990s, some of the walls have begun to fall off, and it looks thin and shaky in windy and rainy seasons. Xiao Xie’s family lives on the top floor of 50 square meters, which belongs to the object of reconstruction of dangerous houses. The typhoon swept through, and the rain came down through the wall. How many times did she get wet when she walked into the toilet? Now the dream of changing rooms is broken, "I feel like a dying fish, struggling." She sighed.
Regret it? Regret, but it’s useless.
Pursuing the big team, she called the police. After sending the relevant materials, she didn’t know what else to do to get the money back quickly. "I want to pay off the money I owe others now," she said.
I dare not think about the future, and I don’t know what to do in the future.
On September 10, the public security organs began to carry out centralized online registration of suspected illegal fund-raising cases on online lending platforms. Among the first batch of 50 online loan platform cases registered online, the platform that Wang Suqin voted for was not listed.
Wang Suqin, who limped around in the park, was a little comforted when she heard the news, but after a while, she still thought more and more. The 110,000 I borrowed and my daughter’s 20,000 yuan have not been redeemed so far. The old lady who has never seen so much money in her life has been wondering how to fill this big hole. "I can’t think of such a thoughtful person." She speaks very fast.
When I was a child, because of a medical accident caused by an injection, the left leg was thinner than the right leg for a whole circle, and the poor walking made Wang Suqin’s life much harder than ordinary people.
She felt inferior to her own disability. When she was young, she married a man who thought she was a "suitable person" with mental retardation but good looks. Since then, it has assumed the role of the pillar of this family. Ice cream is sold in summer, and corn is sold in winter. From five or six in the morning, the street is empty at night. When there are many thieves on holidays, they often spend a day in vain. A person has walked through the ups and downs of this family for decades and never flinched. She said that others have been living for so many years, and she has tried her best just to survive.
What this naturally strong and courageous old lady didn’t expect was that she had dared to take a backhand knife when she was robbed, but now she has no idea. "I just want to earn some money to pay my wife’s pension. Who would have thought this would happen?" Wang Suqin, who thinks she has done enough risk prediction, can’t accept such a result.
From the qualification and credit of the enterprise to the background of the executives, she has checked online by herself, including the 7% rate of return, which is "far more secure than the one that promises a 20% rate of return" in her opinion. Save a few hundred dollars and get it back. Every day, I can open the APP and sign in for a coupon. After repeated testing, she borrowed money from relatives and friends to invest. However, how can something go wrong?
After learning that the platform had an accident, Wang Suqin wanted to redeem the principal in advance, but this time it was unsuccessful for three consecutive months.
Perhaps she experienced too many things in her first half life. After the platform announcement project was overdue, she didn’t panic too much. The first reaction was to find an organization. This 60-year-old woman is no less familiar with the Internet than young people. Unable to find an organization, she took the lead in building a QQ group, and soon other difficult friends joined in. "No matter what, we won’t give up." She cheered herself up and her group of friends.
Originally, a pension of 2,000 yuan a month can also enable two old people to cope with their daily lives in a small place, but now a large amount of foreign debt has made Mrs. Wang feel insecure. As she said, the money can’t be exchanged immediately by one person’s hard work or hardship. "Pretending to smile all day is afraid of being known. If a friend urges to pay back the money, I am afraid there is really no way." She has been talking so fast that she has faded.
It’s not a joke to have nothing overnight.
Life is far more intense than drama. This P2P shuffling tide tests the rules and integrity of the industry, as well as the cognition and fragility of human nature.
On a third-party forum, there is a forum called "P2P‘ Thunderbolt ’ After that, how miserable was your life? How painful is your heart? " The post.
In the reply, someone attached a B-ultrasound photo of his wife who was pregnant for more than three months at the end of the article. The poster said that because all the previous P2P platforms were "thunderous", even the 50,000 yuan of the last platform could not be taken out. In desperation, 20,000 yuan of usury was borrowed to pay off the credit card. The usury interest is 2000 yuan a month, and the consequence of overdue is that the address book is exposed online. And all this is afraid to tell his wife and parents. At the end, he wrote, "If you don’t get it, you will only die."
There are countless replies at the bottom of this post, some people express sympathy, it is not easy for men to support their families; Some people cursed and deserved it, urging them to jump off the building quickly.
I dare not tell anyone, even my closest family and friends. When the risk is realized, almost everyone chooses to pretend as if nothing has happened.
How long can "decency" last? I don’t know
Perhaps, before the risk comes, most people feel that they will not be the most unlucky one. (Text/Sun Xiaoyuan is a pseudonym at the request of the respondent)
