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At present, false targets emerge in an endless stream, and if you want to identify them, you must start from two aspects: flat identification station information and target information.
For example, some platform addresses are displayed as floors that do not exist in a building, some platform office addresses are in the vegetable market, ** the design is poor or even plagiarized from other platforms, and some ** can be found from the ICP record number to be associated platforms. Second, the platform encourages investors to transfer funds to private accounts and is unwilling to accept third-party escrow, which is the model usually adopted by runaway platforms.
2.The identification of the subject information is as follows: (1) whether the borrower's borrowing information is clear and whether the borrower's identity information is detailed without revealing privacy.
A series of basic information including the borrower's age, position, income and unit attributes; Whether the identity information of the borrower is reliable, and whether the platform can provide effective materials and channels to prove that the borrower's loan and identity information released by the platform are true and reliable. For example, the copper shopkeeper platform discloses the borrowing project information truthfully, openly and transparently, which is convenient for investors to view, so that they can have 100% control over the project before investing. (2) Whether the fund guarantee is public, and whether the account funds are supervised by the bank as well as the copper shopkeeper.
Including whether each project has been guaranteed by an authoritative guarantee company, whether the corresponding guarantee qualifications, guarantee funds, relationship with the platform and other information are open and transparent. (3) Whether the corresponding loan contract and mortgage contract are perfect. If you can go to the platform to randomly check the authenticity of the subject, the effect will be better, among which the paper version of the loan contract, mortgage contract, and payment voucher is particularly important.
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With the help of today's Internet channels, the P2C online lending platform has built a transparent and fair online lending trading platform for individuals with financial needs and financial needs. Borrowers can obtain credit ratings and issue loan requests on the platform; Through the platform, investors can selectively lend idle funds to borrowers with good credit according to their personal preferences.
In order to ensure the safety of investors' funds, as well as to ensure that investors are citizens who have reached the age of 18 and have full capacity for civil conduct, so as to ensure the validity of investment contracts, all investors are required to pass ID card authentication. The identity authentication process is simple, and the authentication information is only used to verify the user's identity, and all information will be kept strictly confidential.
Online investment and wealth management is a new financial management model with the rise of the Internet, which can provide customers with financial management related services through the ** platform. Online investment and wealth management has the characteristics of fast information exchange, convenient operation, low handling fee and transparent process, and is welcomed and loved by customers.
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