The p2p craze quickly swept the entire city.
Propaganda papers can be seen everywhere in the streets and alleys. Countless people, young, middle-aged and elderly, are pulled to the p2p financial management platform by their relatives and friends to make money together.
One month, two months, three months...
A year passed, and the p2p platform was running well without any problems. Zhang Ping could no longer sit still.
"I knew it was real this time!" She muttered as she paced anxiously in the room, "I used all the money to buy a house, how can I get a share of the pie?"
While thinking, He Xin went out of the house to get some water and saw her mother looking anxious, as if the house was on fire.
"What's wrong?" He Xin wondered.
"Anyone who bought P2P in the past two years has made a fortune!" Zhang Ping was angry and upset, "Such a good opportunity was missed in vain!"
He Xin didn't understand her mother's logic, "If I save money to buy a house, and the house appreciates by 15%, is it any different from buying financial products?"
"What I mean is, if I had known that P2P could make so much money, I should have paid the minimum down payment and then used the money to buy financial products." Zhang Ping calculated clearly, "The annualized return of P2P is at least 10%-12%, and the loan interest is only 4%-6%. The difference in interest is all free money!"
He Xin, "..."
Oh, you are really good at math.
However, she just didn't want to buy p2p financial products, so she used all her savings to buy a house.
He Xin took a sip of water and said, "The house has already been bought, so stop thinking about it."
She was about to go back to the house when she heard her mother angrily say, "It's better to mortgage the house and borrow money from the bank to buy financial products! The interest rate difference is 6%. If you borrow 500,000, you will earn 30,000 a year for nothing!"
...It's a devil. He won't be at peace unless he has money.
He Xin's face was gloomy, and she said word by word, "If you dare to mortgage the house, I dare to go back to the house and pack my luggage immediately."
There was a lot of threat in his words.
"Why do you always threaten to move out?" Zhang Ping said indignantly.
"What about you?" He Xin asked back, "Why do you always come up with bad ideas to trick people and force me to leave?"
"Children are debts owed from previous lives!" Zhang Ping said in a muffled voice.
She didn't dare to take out a loan, so she just recited a few words to vent her dissatisfaction.
He Xin complained in her heart, who knows who owed whom in the previous life. She was reincarnated as her mother's daughter, just to pay off the debt.
"If you take out a loan to buy a P2P product, you may not get rich, but you will definitely end up being a lonely old man. I don't care, it's up to you!"
After saying that, He Xin returned to the house holding the cup of water.
"It's such a sin to have such a daughter!" Zhang Ping sat on the sofa feeling aggrieved, muttering to herself.
**
Time flies, and two years have passed in a flash.
He Xin works hard and stands firm. She does not touch p2p and does not allow her family to do so.
Zhang Ping was upset because of this. For a while, she felt disgusted with her daughter.
He Xin ignored it and said that she was not allowed to buy p2p.
After a month of cold war, Zhang Ping couldn't persuade her daughter and finally sighed, "I guess I'm not destined to get rich in this life."
Then admit defeat and surrender.
——What else can they do if they don’t surrender? The mother and daughter can’t just be like enemies and dislike each other every day.
The girl at home is very stubborn. It's impossible to expect her to give in. Isn't it possible for me to just compromise?
Zhang Ping felt that she had made great sacrifices for the peace of her family.
Not long after they reconciled, one morning, He Xin walked up to her mother with a newspaper and said, "You are determined and obsessed with buying p2p financial products. Look at what happened to those who bought them."
Zhang Ping, "?"
She had a confused expression and her face was full of confusion.
He Xin didn't say much and just handed over the newspaper.
Zhang Ping took it and glanced at it. She saw several large and bold words in the middle of the newspaper, "The person in charge of the xx platform has fled! P2P high-end financial management turned out to be a financial scam?"
Zhang Ping was startled and checked quickly.
The report states that in March last year, Zhao opened a p2p online financial management platform. With high interest rates, the company attracted a large amount of deposits in just one year.
Without exception, these pooled funds were loaned to a private enterprise.
According to the investigation, Zhao is the actual legal person of this private enterprise.
In other words, he set up his own p2p platform, collected deposits himself, and then lent them to himself at high interest rates.
Zhao's behavior constitutes illegal financing and he will be sentenced after being arrested.
The suspect is currently on the run with the money and his whereabouts are unknown. If anyone has information, please provide clues to the Public Security Bureau.
…
After reading the report, Zhang Ping was speechless for a long time. After a long while, she said, "This is a scam, deliberately luring investors' money away, it is not the same as a regular P2P."
He Xin: "How do you know which is a legitimate p2p and which is a scam?"
Zhang Ping opened her mouth, but was speechless.
"So," He Xin concluded, "It's safest to invest in nothing."
**
This is the first time a company has collapsed since the establishment of the p2p platform.
After the incident, the industry was shaken.
Many people don't understand what happened. They only know that the person in charge of the P2P platform absconded with the funds, the platform collapsed, and the funds could not be withdrawn, so they hurriedly transferred their own shares at a low price. What they thought in their hearts was that they didn't want the interest, but they had to get the principal back anyway.
The panic caused a run on the bank, and the p2p platforms were overwhelmed. They issued announcements to appease investors, hoping that they would calm down and remain patient.
As time went by, no other p2p platform collapsed, and investors gradually calmed down.
The company that got into trouble was operating under the guise of a p2p company, but was actually engaged in illegal financing activities and was not a formal p2p company at all.
I invested in a state-owned enterprise, which is safe and guaranteed.
Annualized interest rate of 18%? How can such a high return be true! Others get into trouble because of greed, but I am different. The annualized interest rate of the financial product I bought is 10%, and the return is reasonable.
…
Through various self-comforts, investors regained their composure.
The collapse of the p2p platform was treated as an accident/exceptional case and was quickly forgotten.
**
Xu Xiaoan is 25 years old this year and has graduated from university for almost 2 years.
When she just graduated from school, she didn't know what kind of job to look for, so she sent out resumes everywhere. Unexpectedly, she was called to an interview by a p2p company, and then she was hired as an account manager.
After joining the company, she made a living by selling online financial products and receiving commissions.
In recent years, online financial management has developed rapidly, and more and more people are interested in p2p. With basic salary plus commission, the monthly salary is as much as 6,000 to 7,000 yuan. In addition, there are two days off a week, and five insurances and one housing fund are paid.
Xu Xiaoan was complacent and proud for a while, secretly thinking that he had made the wrong choice and chose the right industry.
Unexpectedly, at a family gathering, my cousin criticized p2p harshly and even suggested that she change her career as soon as possible.
Xu Xiaoan: People who know nothing about new things and refuse to learn are really terrible.
As for what her cousin said, she didn't take it to heart at all. As an outsider, what qualifications does she have to point fingers?
As online financial management became more and more popular, Xu Xiaoan's monthly income soared, once exceeding 10,000 yuan, and she felt more and more that her choice was right.
At this time, the manager found her and said, "The after-sales department is short of staff recently. Are you willing to go over and help? It won't be too long, at most half a month. If you agree to the transfer, the company will give you special subsidies."
Xu Xiaoan was not happy, "Manager, I think sales is a good job, you should ask other people."
The manager persuaded him earnestly, "Sales is too tiring, after-sales service is easier. If you find after-sales work more suitable after trying it, it's fine to stay in the after-sales department."
Xu Xiaoan thought to himself that recently there were a lot of people coming with money to buy financial products, so sales was not tiring at all.
Do you think after-sales work is more suitable and it is okay to stay in the after-sales department? After hearing this, you can't go there!
Xu Xiaoan tried to refuse in every possible way, even saying that he loved the sales industry so much that he couldn't bear to leave.
"Xiao Xu." The manager's face became serious. "Among so many salesmen, I am most optimistic about you. If you don't want to be in sales for the rest of your life and want to move into management in the future, you have to understand how the company operates."
“Whether it’s before, during, or after sales, you have to understand… Do you understand what I mean?”
Does the manager value her, or does he simply want to trick her into helping in the after-sales department?
Xu Xiaoan told herself to calm down, but she couldn't resist the temptation of being promoted to a management position in the future. She was silent for a moment, and finally agreed, "Okay, I'll go."
Hearing this, the manager smiled with satisfaction.
**
The so-called pre-sale means promoting financial products to investors.
The so-called sale is to investigate the qualifications of the borrower and decide whether to approve the loan and how much to approve.
The so-called after-sales service is to contact borrowers who have overdue payments and urge them to repay the money.
According to Xu Xiaoan, if she was transferred to the after-sales department, she would have to call borrowers every day. Therefore, she was very resistant at first and did not want to transfer.
However, the temptation thrown by the manager was too great for someone as ordinary as her to resist, so she finally agreed.
In Xu Xiaoan's opinion, it would only take half a month. He could just grit his teeth and hold on, and get through it with his eyes closed.
I never thought that she was still too naive.
There is a three-day adaptation period after the transfer, and the job content is to call users who have overdue payments and remind them to repay.
Although the work is troublesome, I can still manage it.
Unexpectedly, on the fourth day, the after-sales manager called her and said, "Xiao Xu, you have been in our department for a while. It's time to get involved in new work. Go out with Xiao Shen this afternoon and let him teach you how to do door-to-door debt collection."
Door-to-door collection? Xu Xiaoan was stunned.
She hesitated and said, "I used to work in sales. I can make phone calls, but I'm not good at door-to-door sales..."
It was clearly agreed before that the HR department was already recruiting and would bring in new people in a while. She only needed to help the after-sales department get through the vacuum period.
"You can't say that." The manager said with a stern face, "As long as you are in our department, you must love your job and be dedicated to it. You should also learn to do what normal after-sales service should do."
Xu Xiaoan wanted to say something, but the manager waved his hand and said, "Okay, that's it, get out."
Xu Xiaoan: She has one sentence she must say: MMP.
The die is cast. There is no other way but to accept it.
Xu Xiaoan comforted herself that she only needed to hold on for half a month and she would be able to go back.
Thinking about it this way, I can barely accept the manager's arrangement.
After lunch, Xu Xiaoan followed Xiao Shen out.
Xiao Shen is a 28-year-old engineering man. He wears a pair of glasses on his nose and looks gentle.
The two walked out of the company one after the other, and Xiao Shen suddenly said, "You've been cheated."
Xu Xiaoan, "?"
What's the meaning?
She was quite puzzled and wanted to ask in detail, but Xiao Shen relied on his long legs and walked away quickly.
Xu Xiaoan had no choice but to suppress his doubts and quicken his pace to catch up.
The author has something to say:
#One person is cheated, the whole family suffers#
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