On the one hand, a large number of capable people have achieved wealth success, on the other hand, some lawless elements have obtained a large number of illegal wealth through speculation and deception. Many people have the idea of getting rich overnight, full of gambling and speculation, and some online financial platforms have embarked on the road of no return based on gambling and speculation, and at the same time, many investors have lost their money. This is the internal cause of the phenomenon mentioned in the question.
From the external factors. In the last 20 years, the domestic GDP has increased by 10 times, while the currency has increased by 17 times. In fact, the currency issued far exceeds the actual economic growth demand. To put it simply, the currency overshoot is very serious. In the case of too much money, the pool of funds that can accommodate money is actually very limited, except for real estate, which is the stock market. However, the price of real estate has also increased 20 times in the past 20 years, so many ordinary people can't actually afford to buy a house. A house is millions or tens of millions, and ordinary office workers are hundreds of thousands a year. Excluding the expenses, the remaining 30 thousand to 50 thousand is amazing. It's normal that you can't afford a house. In the stock market, in the past 10 years, the index almost stagnated, because of institutional defects, it could not be trusted by investors. Ordinary people can't achieve wealth growth from stock market investment. In this way, there are a lot of social funds, which have become hot money wandering.
However, these idle funds in the society should also find ways to preserve and increase their value and find projects with higher returns! To put it simply, no one doesn't like having more money, right? It is difficult to find a suitable investment channel. The bank deposit interest rate is too low, the real estate threshold is too high, and the income from investing in the stock market is unstable. At this time, online financial management was born.
With its high return, online financial management has made countless people flock to it. High interest rate temptation is the most basic trick of online fraud platform. In the platform of "running the road", most of them are marked with high returns of more than 25%. Under the temptation of high interest rates, some investors lost their resistance and their speculative psychology increased sharply. Coupled with luck, they frequently "step on the thunder". But there is a basic concept in economics, that is, high returns are necessarily high risks. Internet financial management is not that powerful. What kind of project can maintain a return on investment of more than 10% all the year round? Don't!
But for most ordinary people, they don't know the basic knowledge of economics. Under the temptation of high interest rates, they are of course willing to invest their money in online financial management projects. A small number of people did get rich returns in the early stage of platform development. Later, more people flocked in and put their pension money, life-saving money and all their savings on the online financial platform. However, with the progress of time, online financial management can not provide such a high return, and finally can only run away.
The ultimate way to avoid being fooled is not to be too greedy.
Online loan evaluation, although online financial fraud is very poor, investors are too lucky to find the basic information of some platforms, which is the main reason for their "stepping on thunder". Successful investors must first establish a correct investment concept.
Secondly, the state should step up efforts to rectify the capital financial market, not only to crack down on illegal online financial management, but also to build a healthy capital financial market, such as A shares, to develop into an excellent capital platform for investors and financiers to enjoy the development dividend, so that investors can have confidence in entering the stock market, and a large number of entity enterprises can also get the support of the capital market to develop and grow, eventually forming a virtuous circle.