The P2P one has a backend and the funds are guaranteed 20

I know that Shanghai Snow Mountain Loan is 100% principal and interest guaranteed. It mainly adopts fund security measures such as overdue compensation and third-party depository.

Third-Party Depository.

1) Establish a third-party fund depository system to ensure the safety of funds.

2) Snow Mountain Loan funds are deposited through third-party payment platforms and banks.

Reserve system.

1) Establish a reserve system to ensure timely payment of customers' principal losses.

It can ensure the safety of investors' funds, and the income of Snow Mountain Loan is also considerable.

You first have to understand the P2P industry. Be aware of the company you want to invest in. When it comes to financial security, each company has its own unique and common financial security countermeasures.

If you do P2P, you don't do it with your life's money, there are some people who can't lend money through the bank with a high threshold, and then invest through a financial information service intermediary like P2P. Investors use their spare money to make financial investments. This must be understood.

Doing investment and financial management is not for you to do it with the money of your life. Now all formal P2P companies have financial guarantees, and the prospect of the development of all these P2P companies is to let investors analyze and take risks at their own risk. What P2P does is to divide borrowers who can repay into customers with different risk levels, so that investors can choose to invest and have different returns.

I know that Anjie Wealth is guaranteed by the hotels of their group, which is very powerful.

The P2P online lending platform is divided into two products, one is investment and financial management, and the other is loans, both of which are realized online. P2P microlending is a business model that pools a very small amount of money and lends it to people in need of funds. It is a product of the current Internet Finance (ITFIN) trend.

Its social value per mu is mainly reflected in three aspects: meeting the needs of individual funds, developing the personal credit system and improving the utilization rate of idle funds in the society.

What is a P2P platformP2P is English Person-to-Person, which belongs to private small loans, and because P2P relies on the network to match the borrower and the borrower, P2P is also an Internet financial service.

Wealth management through P2P platforms is a high-risk investment, because the state's supervision of P2P platforms is not in place, and the filing of online loan platforms has not been completed.

It's the same as you, it's done.

The capital pool model of the P2P industry means that no matter what channel customers pay money through, cash needs to flow into the account of the online lending platform company first, and in this model, the platform is suspected of illegally absorbing deposits from the public.

Generally speaking, platforms with pools of funds are in potential danger of running away.

There is such a report on Mibao 360 that domestic P2P online lending has been questioned by illegal fundraising, and in this regard, the central bank proposed a plan to establish a third-party fund custody mechanism for platform funds.

Now there are so many network hackers, it really can't guarantee 100% security, if the amount is huge, and you don't have enough confidence to ensure that it will be safe, it is recommended to install a network certificate, now this kind of network certificate has been popularized, because you really can't fight the network masters, or use technical means to defeat them! Like SSL certificates, you can learn about it if you have time, see which one suits you, the encryption and confidentiality performance is very good, don't let your hard-earned money slip away early!!

How can investors ensure the safety of their P2P platform funds:

Investigate the background of P2P platforms: Investors should try to choose those platforms with state-owned assets, listed companies, and VC backgrounds.

Whether P2P platforms have third-party custody: The Guiding Opinions on Internet Finance, issued on July 18, clearly stated that online lending platforms must have third-party fund custody, and further emphasized that they should cooperate with banks for fund custody.

See whether the risk control of the P2P platform is rigorous: Risk control is the core competitiveness of the P2P platform. It is necessary to understand the real situation of the platform target, the risk control operation process, etc., so as to judge whether the platform is suspected of self-financing.

In addition, the platform has strict risk control and stable operation.