What type of Chinese regulation govern RMB lending? The problem comes in with disputes when something goes wrong and you have to try to get your money back. This will be a very volatile environment to lend out money in my opinion. The returns might be good, but the risks are high and the country a bit hostile. In the end this will be more a question of luck than anything else. If you are lucky to have less bad loans than good ones, you may turn a profit. ^hmmmmmm^
As I said, I have invested a non-negoligible amount of money (CNY4500,000 ) in a P2P service for over three years and I have been profit positive every year. In recent months, I have had bad loans in the 500 - 1500 yuan range per month, but the net profit has been steadily around 6,000 yuan. You don't think these numbers are statistically meaningful in any way?
