Is it risky to invest in a P2P platform?

First: credit risk.

Borrower default and false borrowers are the two main actors of credit risk, and the higher the number of borrowers, the higher the requirements for P2P to manage credit risk.

Second, liquidity risk.

That is, the speed of the realization of investors' funds constitutes liquidity risk, and serious liquidity risk will trigger a run.

Quadruple review to avoid credit risk.

In order to effectively avoid credit risk, it is necessary to grasp the personal information of borrowers in multiple dimensions, and the more detailed the better. For P2P platforms that do not have their own ecosystem data, it is a top priority to grasp the offline data of borrowers. Some platforms outsource the recommendation of borrowers' creditor's rights projects to partners with business and risk management experience, although they save the energy of discovering and reviewing borrowers, but it is undeniable that the information indirectly understood is not as clear, stable and proactive as direct investigation.

1) Review materials (** area), including the borrower's ID card, marriage certificate, bank (** area) statement, credit report, real estate certificate and other necessary materials for review and authenticity verification.

2) Investigation of the borrower and his or her spouse, Qianbang requires both husband and wife to sign together before the loan can be handled, so as to effectively avoid the recovery cost caused by the spouse's ignorance.

3) The assessment of the borrower's ability to repay, especially when the borrower is an individual business owner, will conduct further investigation on the use of the borrowed funds and the background of the enterprise, so as to prevent the phenomenon of running away with the money.

4) Offline on-site visits: For mortgaged properties, risk control personnel will conduct on-site visits and cross-verify the value of mortgaged properties by asking nearby real estate agents.

Depending on your luck, investing in P2P will be risky.

The important thing is to find the right platform, and quickly finance and comply with the law.

The investment risks of P2P platforms are:Simple self-financing model, multi-platform self-financing and self-guarantee model, short-term fraud, "Ponzi"**

The first is the simple self-integration modelMost of them adopt the method of high interest rate and bid splitting, and use the profit-seeking psychology of investors to raise funds. Taking Qian Venture Capital as an example, most of the borrowers on the platform are ID cards of Zhejiang Rui'an, and the real estate, cars and land used as collateral are all located in Rui'an. The transaction capital chain shows that the company has only one account, and the rest are the personal accounts of Wang, the controller of the platform, and most of the funds flow to Zhejiang through Wang's personal account.

The second is the multi-platform self-financing and self-guarantee model。The platform controller has established multiple platforms at the same time, and the funds between the platforms are borrowed from each other to meet the needs of self-financing. The platform and the guarantee company belong to the same boss or group of companies.

The third is short-term fraud, make more use of the psychology of investors to make quick money, use recharge cashback, "second mark" and "sky mark" and other forms to attract customers to invest, and then abscond with the money before the first repayment cycle arrives, and the survival time is very short, the shortest is only 1 day. For example, Tao Mou Loan went bankrupt after only one week of launch, and the funds were directly transferred to the company's account through third-party payment and immediately transferred to a private account.

The fourth is "Ponzi"**。The investor's money does not go into the hands of the real borrower, but is idled on the platform, and the funds are always controlled in the accounts of the platform controller and shareholders.

Taking Peng's loan as an example, the platform's yield has been above 30%, and the third-party payment platform to which the platform belongs has remitted the money directly to the account of the platform boss, but the platform has not remitted money to any borrower except for providing part of the funds to fake investors and for repayment, and the funds are basically in a state of idling, especially in the two months before the collapse of the platform, this trend is more obvious.

There are less than 3 P2Ps left in operation in China! The rest are either thunderstorms or so-called benign exits.

Let's put it this way, if you invest money today, the money may be gone tomorrow This is more suspense than **, but if you want to choose a big brand, it's generally okay Because they have done a good job of risk sharing Although the risk is big, the profit is nothing.

That's for sure,**Investment is synonymous with high risk and high return,Compared with P2P,Its risk is much higher,If you can't accept the high risk of **Investment,Or choose P2P。。

1. Fake venture capital, the success of venture capital stock financing is likely to be a false financing event forged by the platform itself, for the purpose of good marketing;

2. Small venture capital, unknown venture capital, the amount of funds may not be as large as the platform advertises, and may only give a certain amount of financial support, which will not help the development of the platform.

3. Having venture capital does not mean that the platform is safe, on the contrary, shareholders may interfere with the operation of the platform, which is not necessarily a good thing.

First, investors must report to the police immediately.

When P2P investors determine that the P2P platform they invest in cannot open the web page, etc., the investor must remain calm at the first time, and then conduct relevant investigations.

Second, apply for freezing the assets of the problematic platform as soon as possible.

After the investor reports to the police at the first time, the investor should then apply to the relevant departments to freeze the assets related to the P2P platform that has gone bankrupt or run away, so as to effectively avoid the assets being hidden or transferred during the investigation of the case. It should be noted that the sooner investors apply to freeze the platform's assets, the better, so as not to have many long nights.

Third, investors collect relevant evidence to protect their rights.

After completing the above two steps, investors must focus on collecting relevant evidence in order to gain a head start in future rights protection. For example, investors can print relevant transfer vouchers, relevant contracts signed with P2P** or relevant bills between the two. When you encounter professional problems in law, you can find a professional lawyer for help, so that the lawyer can help you better protect your rights.

The risk control of the P2P platform is naturally responsible for the risk control group, such as the risk control group of the financing platform I chose, and I personally feel that it is still very reliable.