"The annualized rate is 15%, and the interest is paid quarterly, and I have already received 24,000 yuan in interest in the first few months, and I wondered if this thing is reliable, so I invested another 300,000 ......."

Zhao Xiaolei sat quietly on the sofa listening to the unbearable past of the queen mother, and next to him sat Jiang Ziyi, whose face was like frost, and a third aunt who bowed her head and wept......

Jiang Ziyi saw that Zhao Xiaolei was a little unnatural, but he still nodded politely, and listened to his mother talk about the evil ...... Financing investment company.

"This is P2P, why is it just going to explode?" the third aunt choked.

Zhao Xiaolei shook his head and smiled bitterly, and asked the third aunt: "Do you still know P2P?"

The third aunt looked at him with disdain and said, "Don't think that you young people understand, it's Internet finance, what is point-to-point?"

Zhao Xiaolei sighed and said, "Peer-to-peer network borrowing." ”

At this time, my mother said crookedly: "As far as you understand, then you should get the money back for me?"

What do you mean by being unreasonable?

This is called unreasonableness - the mother under the temptation of high interest rates gave money to an agency that pretended to be P2P, and turned around and was angry with herself......

Zhao Xiaolei asked rhetorically: "Do you know what this thing is?

The third aunt replied at this time: "They are ...... listed on the US Stock Exchange."

Zhao Xiaolei: "......"

Jiang Ziyi: "......"

After a few seconds of silence, Jiang Ziyi said weakly: "The United States?"

My mother was startled and said, "Yes, the New York Stock Exchange!"

Zhao Xiaolei couldn't laugh or cry a little: "You also believe a button exchange, have you checked it? Does the New York Stock Exchange have this listed company?"

"Can that be wrong? Can someone as big a company lie to you?" the third aunt was not convinced.

Jiang Ziyi said faintly at this time: "Such a big company...... Where are you now?"

The third aunt said angrily: "You...... You damn girl!"

Zhao Xiaolei hurriedly played a round: "Third aunt, Eniang, don't be angry, I'll tell you what P2P is......"

The two half-aged listened attentively.

"The bank is so rich, just that little interest, rich people don't want to deposit in the bank to earn that eight cents, how fierce is inflation now, right?"

The two rich nodded frequently.

Zhao Xiaolei said in his heart that these are really two rich......

"In other words, the bank threshold is high, many individuals or small and micro enterprises do not have much money, and there is nothing to mortgage, of course the bank will not lend them money, even if they have enough money, the formalities will also consume you, and they may not wait for the money to arrive, and they will be cold first......"

Zhao Xiaolei himself felt a little desolate when he said this, the tragic situation some time ago was vivid, if it weren't for Fan Caishen's plug-in, he would have been cold when he saw it.

"One is rich, the other is short of money, have you found any problems?" Zhao Xiaolei was kind and persuasive.

"It's clear that there is a lack of a matchmaker?" the two said in unison.

First of all, the P2P platform will build a website, and then those who are short of money will put their information on it, and wait for investors to check the borrower's information, if they match, they will transfer the money to the borrower, of course, this P2P website is not busy in vain, and will charge some commission fees or something. ”

Jiang Ziyi looked at Zhao Xiaolei a little unexpectedly, and said in his heart that this kid is not a straw bag, he knows a lot of things, and at this time the third aunt asked: "What if the borrower runs away?"

Zhao Xiaolei shrugged his shoulders, spread his hands and said: "It's a pity, investment is inherently risky, if someone owes money and doesn't pay it back, then they can only find a way to ask for money by themselves, and as long as the information provided by the platform is correct, they will not bear any responsibility - this is the correct way to play P2P, looking harmless to people and animals, and the platform has no risk, but why does the conversation blow up as soon as the conversation turns?"

"yes, why?" the two asked together.

"In China, everyone has a lot of pocket money and low bank interest, and similarly, there are many small and micro enterprises that need money. Therefore, the P2P market is very large, and the cost of getting a P2P is not high, and the supervision is not strict, no matter which cat or dog on the road can come to mix, soon, all kinds of so-called P2P explosive and barbaric growth......"

"And what happened to them?"

"The more people who do this business, the more competition there is, and it's clear that whoever has more customers makes more money, so they use all kinds of ways to solicit customers - such as promising higher returns to investors...... However, there is a serious lack of credit in China, and more and more people who can't pay it back...... The matchmaker pondered, this can't work, if it goes on like this, this job can't be done, so she gritted her teeth and stomped her feet - pad herself!"

Jiang Ziyi looked at Zhao Xiaolei with a smile and asked, "Then isn't this nature changing?"

"That's right, this P2P agency itself has a thin foundation, and the money hasn't been advanced yet, so I've hollowed myself out first!"

Jiang Ziyi is still an insider, after all, he is a middle-level banker of Binhai Daye Bank, so he naturally understands this truth, so he asked again: "Isn't it over to get a capital pool?"

The two looked confused and asked, "What does this pool mean?"

Jiang Ziyi was kind and persuasive: "Save the money you invested in first, use the money to repay the money, and have the opportunity to lend out the excess money." ”

Zhao Xiaolei patted his thigh and said: "Understand people! In this way, this so-called P2P company has completely transformed from a gorgeous matchmaker to a loan shark! Miss Jiang, you are a practitioner in the financial industry, and it is already difficult to manage the capital pool, and a group of turtles with a few dollars can understand this truth?"

Jiang Ziyi nodded and said, "Yes, once the funds in the capital pool are exhausted and no one continues to invest money, it will be over." ”

Zhao Xiaolei continued: "In addition, the management of these turtles is not very good, and the hands are quite itchy, at a glance, the capital pool, this is good, so I took out the money in the capital pool and caused my own trouble, and it was playing with money and *......"

The old mother said angrily: "Hateful!"

"As a result, these villains dressed in P2P autumn clothes took advantage of the temptation of high interest rates to continue financing, demolished the east wall to make up the west wall, and continued to play money and misfortune, just like that, they were stunned to turn a good song out of tune......

"Then why are so many P2P collective thunderstorms?" the third aunt still cares about this issue.

"This is a long story, first, the economic environment is not good, many small and micro enterprises are struggling, formal banks do not save at all, these small bosses have to use small loans to continue their lives, they can't talk about the ability to repay the money at all, so P2P is unlucky. Sex...... Well, the property market is very lively, so the rich people are taking the money to throw it on, who is going to invest in what P2P?

The two nodded silently.

"So, these honest people who do their duty as platforms have become serious to cheat money, and they are all on this part, why don't they run away? Third aunt, you say you know what kind of financial investment this is, you don't even know what P2P is, you know what rate of return to calculate that piece of eight cents, alas, what are you doing......

In this way, after a few minutes of silence, the old mother asked, "What about ...... Is there any hope for this money?"

Zhao Xiaolei smiled bitterly: "You guess?"

Zhao Xiaolei knows that this money is undoubtedly wasted, and how many families have gone bankrupt in an instant due to the temptation of high interest rates? How many old people's life savings have been wasted? And how many family tragedies have followed?

In the face of the temptation of high interest rates, the common people who are full of expectations for money and lack basic financial knowledge are so easy to be fooled.

"Why are you so obsessed with money?" Zhao Xiaolei said hatefully.

"You don't want to save more money for your marriage? You unconscionable rabbit cub!" Zhao Xiaolei's mother glared angrily.

Zhao Xiaolei carefully looked at his mother's hair, and he felt that the fashionable grandmother was gray...... It should be true now.

Well, it's better to be real, with a decadent face, my mother is really ten years older!

"Six hundred thousand...... Mother, I'm going to find out about the situation and see the progress of the case, but I can't guarantee that I can get it back!"

Zhao Xiaolei has decided to pay out of his own pocket to appease his mother, he can still tighten his belt now, it's a big deal that the company has a gap in funds and then ask his mother - but he has a lot of opinions about his mother, he was so embarrassed by his funds in the previous stage, and he didn't see his mother make a righteous move, but he took a P2P righteous shot on this!

This made him wonder if he was biological!

"Zhao Xiaolei, the third aunt still has 450,000 here......" Jiang Ziyi looked at Zhao Xiaolei playfully after speaking.

"Three...... Uh, third aunt...... 450,000 Ah, then I'll try it together......" Zhao Xiaolei kicked Jiang Ziyi fiercely.

This little is really good at going under the knife!

Jiang Ziyi didn't think so in her heart, she had already seen that Zhao Xiaolei was going to pay out of his own pocket to perfunctory his mother, young people are always very vigilant about such pies falling from the sky, and she also knew that this money was no fun at all, she just wanted to take revenge on Zhao Xiaolei!

She likes to see Zhao Xiaolei...... Eat deflated, deserve it, let you grab a woolen sweater with me.

Seeing that the time was almost up, Zhao Xiaolei was worried about Ying Xiaozhao in his heart, so he pretended to regret and said: "I don't think the queen mother has the intention of taking care of the food, so I ......."

Who knew that Zhao Xiaolei's mother's face changed, swept away the depressed color, and waved her hand: "Get out, get out, you young people go out to eat, the mourning family is not in the mood to serve you!"

Jiang Ziyi sneered when he heard this.

Zhao Xiaolei sneered: "Queen Mother, my father is still alive ......"

With the arrival of a cushion, Zhao Xiaolei slipped away, followed by Jiang Ziyi with a strange and evil smile.

"Miss Jiang, count you ruthless!" Zhao Xiaolei said hatefully!

"You have this ability, right, Mr. Zhao?" Jiang Ziyi walked out of the elevator with a proud look on his high heels.

Zhao Xiaolei shook his head helplessly and asked, "Where will I send you?"

Jiang Ziyi's face was unhappy, but it was fleeting, and he said quietly: "No need, thank you......"

Zhao Xiaolei invited again: "Otherwise, let's go to my house to eat, I have a friend who makes a good dish, as beautiful as you, introduce you to you?"

Jiang Ziyi was stunned, turned his head, looked at Zhao Xiaolei in a daze, and said word by word: "I, say, no, use, thank you!"

After saying that, he shook his hair and turned away!

After walking a few steps, he turned back to Zhao Xiaolei with a confused face and said, "Be good to others!"