Zhang Ping was watching TV at home and had no idea about the turmoil in the outside world. It was not until her sister Zhang Rong called her that she learned about the collapse of the p2p platform.
Zhang Rong expressed her gratitude over the phone, "I didn't know what p2p was before and was almost cheated by it. Fortunately, I discovered it in time and stopped early."
"I used to think Xinxin was blunt and straightforward, but now I know that honest advice is hard to hear. Xinxin is a smart person and she told the truth because she didn't want her relatives to be cheated. But I didn't appreciate it at all and was sulking. I feel so sorry for her..."
"Please tell Xinxin I'm sorry for you. I'll treat you guys to a meal some other day as an apology."
Zhang Rong's attitude was extremely sincere, and her words were full of gratitude.
After hearing this, Zhang Ping was completely confused. "Wait a minute, what's going on? Why are you apologizing to her and treating her to a meal?"
"It's still that Laozi p2p platform and online financial management!" Zhang Rong was filled with resentment. "The company where An An worked had problems, and other companies were not much better. More than 100 companies went bankrupt!"
"We found that something was not right and stopped early, so we didn't lose money. But Lao Yuan was greedy for ten days' interest and didn't have time to withdraw the money. He was almost going crazy these days."
"An An submitted her resignation application, but the manager told her to stay and hand over the work, so she couldn't leave. The Public Security Bureau is investigating now, and I don't know what will happen next."
Zhang Rong became more and more annoyed as she spoke. "If we had listened to Xinxin's reminder, we wouldn't have had to go through all this!"
Lao Yuan is a distant relative of hers. Although he was told to withdraw all the money, it was his fault for not listening. But if we trace it back to the root, why did Lao Yuan get involved in p2p and invest his money in it? Wasn't he fooled by An An?
Therefore, Zhang Rong could not stay out of it and had to worry about it.
When she thought about how she didn't have to be cheated, she was overwhelmed by regret and it almost suffocated her.
What? The p2p company went bankrupt?
Was Lao Yuan cheated out of money?
Is what Xinxin said true? Is she the smartest and most rational one?
For a moment, Zhang Ping was stunned.
**
Although He Xin has a firm belief and has never touched p2p, the collapse of various platforms still has an impact on her life.
She accompanied a customer to view a house and agreed to sign the contract in a week. Two days later, the customer called her in a panic, "The contract can't be signed!"
"A friend of mine recommended p2p online financial management to me. I saw that there were special benefits for newcomers and the investment period was not long, just one month. The annualized interest rate was 12%, so I invested all the down payment in it."
"Who knew that since yesterday, the customer service has lost contact and the platform cannot be logged in. Something must have happened to the company. I will contact you after I get the money back!"
He Xin expressed infinite sympathy for the customer's unfortunate experience.
After hanging up the phone, she looked at her phone, quite speechless, "We are about to buy a house, but they are still messing around with the down payment. What on earth are these people thinking?"
Could it be that everyone has believed the nonsense that “p2p products are as safe as bank financial products”?
Shaking her head, she decided to drink some water and take a rest.
In the corner, colleagues gathered to discuss.
The girl with the ponytail complained, "There are too many scammers these days!"
"I invested in a loan company that claimed to be a state-owned enterprise and was even on TV, but it went bankrupt just like that!"
"The police arrested people, but after investigation they found that the state-owned enterprise background was fake. The reason they appeared on TV was because the company paid for the publicity, and the quality label they released was also fake."
"I really don't know what else to say."
The man in a suit and glasses looked gloomy, "The xx venture capital I invested in also had problems."
"They said the project's profits did not meet expectations, the capital turnover was not smooth, and the principal might not be recovered. The platform is currently collecting debts and expects to recover the funds within half a year."
“It’s said to be half a year, but who knows if it will become one or two years in the future? Domestic P2P is too unreliable!”
The girl with chestnut wavy hair turned pale and her lips trembled. "My family first tried to invest 10,000 yuan for three months, and the principal and interest were credited on time. Then we invested 50,000 yuan for half a year. The third time we invested 100,000 yuan for half a year."
"After three times of failure, my mother was convinced. She used the over one million yuan of demolition compensation to buy financial products, but the platform owner absconded with the money and she couldn't get it back at all!"
At the end, the girl with wavy chestnut hair said in a tearful voice, "More than one million! If it weren't for the demolition, how could our family save so much money?"
"Now the funds are stuck, it's all over!"
"I plan to resign in a few days and go to another province with my mother to report the incident to the police and wait for an explanation."
"I don't know how much of the last one million can be recovered..."
Hearing this, the girl with ponytail and the man in suit felt a little uncomfortable.
Why did my colleague encounter this? Wasn't it because they recommended it enthusiastically? They wanted to make money together, but ended up being cheated together...
They both sighed at the same time - their consciences were condemned and they felt tormented.
**
In the evening, He Xin returned home.
Zhang Ping greeted her warmly, "Are you back? Mom made something delicious for you, eat it while it's hot!"
He Xin paused.
Ever since she spoke out at her aunt's house, her mother hadn't been nice to her for a long time. Every time she saw her, she looked sad, as if she didn't know what to do with her.
"What's the good news?" He Xin asked.
"The serial explosions of p2p are not a happy event at all!" Zhang Ping sighed.
"Today the weather was good, so I went to the teahouse for a walk. Guess what? I looked over and saw, wow, it was so tragic! Almost no one was spared!"
"Two people only trusted the bank and kept time deposits, so they were lucky enough to escape the disaster. The others not only lost all their capital, but also owed a lot of debts!"
"Luckily you stopped me at that time..."
Thinking back on it now, Zhang Ping still feels frightened.
He Xin: "What I said was always right, but you never believed it."
"You were obsessed and determined to buy p2p. How hard did it take for me to stop you?"
"It's not enough to stop them once. They ask for it a second and third time. If you don't allow them, they'll get angry again. Now look at what good things they are!"
Zhang Ping smiled and said, "It's a new thing. I just started using it. I don't quite understand it..."
He Xin said bluntly, "If you don't understand, don't mess around! Can you listen to my advice when you throw money out in the future?"
"I'll definitely listen." Zhang Ping promised hurriedly.
He Xin: They agreed to it verbally, but if you don't keep an eye on them, something strange will happen.
She had a blank expression, obviously not believing it.
"It's true." Zhang Ping was extremely solemn, as if she had made up her mind. "Mom thought about it and felt that what you said these times was right. You are better than me. I will listen to you from now on."
He Xin: I’m not that great, I just live a down-to-earth life and never dream of getting rich.
However, she was very pleased that her mother had this awareness.
I believe there will be some progress, and I will no longer be so eager to step on a trap when I see it as before.
**
I returned to the room and just sat down on the bed when a man in a suit suddenly appeared and said, "I'm leaving."
Seeing Yun Luo, He Xin was slightly dazed, "Are you still here?"
Yun Luo, "..."
She has been bound to the host for a long time, where can she go?
Seeing the villain pursed his lips and looked unhappy, He Xin quickly changed her words, "I mean, it's been a long time."
Yun Luo: "Because the host handles everything very well, no one else's help is needed."
Goldfinger was forced to lose his job and had to watch the host show off his power the entire time.
"You can't say that." He Xin's expression was indescribably serious. "If you hadn't told me that my mother bought the collection, my family might have gone bankrupt and I wouldn't have known about it."
"I always remember that you helped me, and I'm very grateful."
Yun Luo thought that the reason she appeared was perhaps because the program believed that the host should not be dragged down.
She works diligently and lives seriously, so she deserves a good result.
"I think you live a clear life. There is no parting advice that needs to be given." Yun Luo said.
He Xin laughed at herself and said, "With a mother like that, if she hadn't been more sober, this family would have collapsed long ago."
Yun Luo pondered for a moment and said slowly, "If the company goes public, the equity will become stocks and can be bought and sold at any time. I suggest you keep it and don't sell it."
Yun Luo: "A good company has growth potential. In the future, the dividends alone will be enough for you to eat and drink."
"Well, I won't sell it." He Xin said, "I've thought about it. The shares are given away for free anyway, so I'll just keep them."
"I wish you a bright future and a smooth life." As soon as the words fell, Yun Luo disappeared.
He Xin clenched her fists, as if to promise, "I will."
**
【Extra】
Three months later.
Hotel in X City.
The double room was occupied by a father and son, a mother and daughter, and a couple. The rent was shared by six people, who all slept on the floor.
The old man was in his fifties or sixties, and his son was in his twenties. They were Lao Jin and his son.
"Dad, you've been busy all day, you should take a rest first." Jin Hongwen persuaded in a low voice.
"How can I sleep!" Lao Jin was so anxious and angry that several bubbles appeared in his mouth.
"Others believed in me and followed me to buy P2P online financial products. What happened? The boss ran away without saying a word, and all the money was taken away!"
"I don't even care about my family's money now. All I can think about is how to get my relatives and friends' money back!"
Jin Hongwen didn't dare to persuade him anymore.
My father was very upright throughout his life and never let anyone down. Now that he is old, he must feel bad for owing so many people, all of whom are good friends of his.
...Who should I blame? Can't I just blame him for misjudging the situation, entering the wrong industry, and bringing trouble to his family?
Jin Hongwen blamed himself very much, "Dad, you don't have to worry about this. I will definitely ask the police for an explanation. You are old and in poor health, so go back first."
"No way! I can't feel at ease until there is a result. I'll just wait here." Lao Jin said stubbornly.
Jin Hongwen sighed, helpless.
I glanced to the left and saw a mother and daughter. The mother was in her twenties and the daughter was only four or five years old.
I heard that this woman is a full-time housewife. She sold her house without telling her husband, and then invested the proceeds of more than 2 million yuan in six p2p platforms.
As a result, there were a series of explosions and all platforms collapsed.
When the husband found out, he was so angry that he wanted a divorce.
The wife knew she was in the wrong, so she brought her daughter and traveled thousands of miles to the company's registered place to wait for news - if she could get most of the money back, her husband would be able to calm down, right?
The couple on the right are businessmen. They used to run a good business. Although they had to work hard every day, they could still earn hundreds of thousands of dollars a year.
Everything has changed since I picked up a p2p promotional paper one day.
Raising funds and lending them to people who need them, isn't this similar to private lending? The annualized interest rate of 24% is very reasonable and not too high.
The couple discussed it and decided to retire. After all, they had bought two houses and had more than one million yuan in hand, which was enough for them to spend if they saved a little.
I never expected that the boss would run away!
The two were heartbroken that the fruits of their lifelong struggle had all gone down the drain, and they had no idea how to get the money back. They could only sit in front of the police station every day, waiting for the police to give the results of the investigation and the solution.
There are many similar people.
Every day, two to three hundred people sit in front of the police station, waiting anxiously.
Some people couldn't wait any longer and gave up and left.
There are also new people joining in, eager to get their money back.
…Some of them were originally middle class and did not have to live a hard life. However, due to a single thought, they ruined a good hand.
The author has something to say:
A variant of p2p, Qianbao.com.
The gameplay is like this: after a user registers as a member of Qianbao.com and pays a certain amount of deposit, he can go to the "Task Hall" to receive tasks such as watching advertisements, filling out questionnaires, and trying out games. After completing the tasks, he can get certain benefits.
At the same time, Qianbao.com is also a micro-business platform, and micro-store owners can also settle in Qianbao.com. Qianbao.com promises that only a deposit of 20,000 yuan is required to open a store. If the store is closed in the future, the 20,000 yuan can be refunded.
This website was in operation for four years, but it finally became unsustainable and the owner turned himself in.
After the news came out, many members did not believe it and took the initiative to defend the website, saying that others were spreading rumors and that the boss was a good person.
#Too deep into the play#
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