p2p借貸平台的風險 - 投資
By Olga
at 2023-05-03T08:13
at 2023-05-03T08:13
Table of Contents
今天這些p2p借貸平台其實經營不易
可能連人事費用都賺不回來
如果沒有新股東注資,平台又想撐下去可能會發生什麼事?
平台用人頭上去"借錢"
假設今年缺口是1000萬,
就用人頭上去借1000萬,若利率是10%,
明年這個缺口會變1100萬
沒關係,再用人頭上去借錢,借個1500萬好了,拿1100萬去還上一年的本利,
還多400萬現金可以燒
再下一個年度,變要還1650萬
沒關係,再找人頭上去借錢,借3000萬好了,以此類推
那麼這種模式什麼時候會爆呢?
當市場上的投資人,不再願意丟錢進去時,當用人頭借不到那3000萬時,
集團的頭就可能會把剩下的現金包一包,潛逃去了
而人頭跟你借錢,債權是真的,只是倒你債
有抵押權很安全?
第一要確認房屋是否存在
第二要評估房地價值
第三抵押權是不是你的?
第四要注意抵押權順位及其設定額度
第五...
族繁不及備載,這種風險比大家原本想得還高
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