Is the longer the P2P platform is safer?

Not necessarily the old platform won't have an accident! The key is whether the team with a financial background is operating, whether the underlying assets are real, whether the risk control system is perfect and effective, and finally whether the company's registered capital is strong and whether the product is guaranteed.

If you don't want to be in debt, P2P regulations are not perfect, don't touch, how many people P2P people live in hardship, want to cry without tears, and have to stay up or avoid relatives When you encounter fishing law enforcement, P2P is basically dead, and you have no money to return to! Please don't get this term on it! Live a down-to-earth life, let go of the money, don't deposit in the bank!

I've also been exposed to P2P, although it eventually went out of business, and I'd like to share some of my thoughts on the industry as well.

I don't think there's absolute security in this industry. Although the country is slowly guiding the development of this industry, the industry is still very immature, and the phenomenon of platform closure still occurs from time to time. It may be that the entry threshold is too low at the beginning, and many companies will not be able to hold on to it when facing the reshuffle.

Is it true that the longer it is in operation, the more secure the platform becomes? I don't think the answer is certain. The platform I once invested in, known as a state-owned background, was still standing in 2015 when many platforms collapsed, and I thought it would survive to the end because it had two rounds of financing.

Who knew that something would happen in 2016. At that time, the platform had been operating for several years and was one of the earliest platforms to enter the P2P industry.

So, it's not that the longer the operation, the more secure the platform becomes. The key is to look at the background of the platform and the monitoring of funds. Some platforms really have a state-owned background, such as Lufax, whose interest rate has not been very high, but it still attracts the most investment, why?

Because behind it is Ping An of China. When we choose a platform, we must not believe it just because it claims to be the background of something, we must dig and dig deep into whether its background information is true. If even the background information is fake, it is estimated that there will be many more fakes in the future.

Risk control is a key factor for the stable development of a platform, but at present, many domestic platforms are not enough to grasp this area. Just like the platform I invested in before. Unfortunately, I didn't know that.

I don't think it's a certainty, it's not that P2P platforms that have been in operation for a long time will be safer, in fact, it's like saying that the longer a company is, the less likely it is to fail, the safer it is, which is all negative. As for whether it is safe or not, it has to be judged according to the company's operating background, strength and operating income, and the company that has been operating for a long time will go bankrupt quite quickly, and the longer the P2P platform operates, it does not mean that it is safer, and there will be a danger of bankruptcy. <>

In fact, the P2P platform has only recently become popular this year, and it was unheard of before, in fact, I also had a P2P platform at the beginning, but in the end, the platform also went bankrupt, and my funds were gone. In fact, this is also a normal phenomenon, for the P2P market, it was just emerging in recent years, its system, management, supervision are very imperfect, so the danger is great, as far as the current situation is concerned, the current P2P platform supervision still has certain hidden dangers, or very immature, so even if it has been in operation for a few years, there are still many uncertain factors that will interfere with this market, so don't listen to some people or listen to the use of a long time on safety and so on, There's no guarantee that these platforms won't go out of business. Therefore, when looking for a P2P platform for investment by yourself, you must have a certain sense of risk, try it with your own small funds, and never invest your assets in these markets.

Another point is that those with high yields are outrageous, and there are great cats and risks, so try not to be greedy for high-yield P2P platforms, be sure to keep your eyes open, and at the same time stay vigilant.

I have been investing in P2P for more than two years, and I have invested in the well-known Lufax Yiren Loan, which is a big platform, and I have also invested in some platforms that focus on ** chain, car loans, and housing loans, a total of forty or fifty. As far as I know, the running time and total turnover do not represent absolute security, but the platform with a long time and large trading volume is generally much safer, because risk control experience and financial resources are the key factors for the survival of the platform, both of which are obtained by accumulation. In the current context of investing in P2P, I recommend choosing a platform that has been in operation for at least two years, with a total turnover of at least one billion to two billion, and has launched a bank depository platform, although it cannot guarantee absolute security, but the probability of such a platform running away is definitely much smaller.

When choosing a platform, here are a few things you can keep in mind so you can choose the right one for you:

1. Look at the registration threshold:

Looking at the registered capital of the P2P platform, finding out the details, and blocking the P2P without capital capacity can reduce the risk.

2. Look at the risk margin

Risk margin, also known as risk reserve fund and risk guarantee fund, is one of the most commonly used security guarantee methods on P2P platforms. When the investment project on the platform is overdue, the platform will withdraw the funds from the risk margin account to advance the principal or principal and interest for the investor.

3. Third-party guarantee:

The P2P platform uses a third-party guarantee company to guarantee the principal, interest or principal of the investment projects on the platform, which is a safer guarantee than the risk margin.

4. Rationally look at high returns

The annualized returns of P2P platforms are in between, and some platforms must be vigilant when the interest rate level is too high.

This question is a bit broad, let's answer it this way, the probability of all P2P platforms going out of business is almost zero. Otherwise, there will be no first-class departments to intervene in the establishment of regulatory requirements and filing requirements, and it will be directly one-size-fits-all.

Second, it is possible that a small number of P2P platforms will go out of business. Because of the popularity of the industry in the past few years, many bosses who have no experience in risk control or even experience in the financial industry have come to start a second business. This has little impact on the low debt and high qualifications of prospective borrowers on the borrower side in the early stage, but now the qualifications of prospective customers are different, and the risk of introducing unqualified borrowers to platforms without professional background and professional talents is increasing.

Eventually, it may lead to a high overdue rate for a small number of borrowers introduced by similar platforms, which may lead to bankruptcy due to insufficient income.

Finally, there are illegal fundraising and fraud in the name of wealth management, such as S Lin, Zhong J, E Rent B, Qian B, etc., which do not belong to the category of P2P, and investors must keep their eyes open.

There are several main reasons:

1.The platform is self-financing, that is, the person in charge of the platform absorbs funds through the online platform, and then takes these funds to invest in the project.

2.The platform has a real borrowing business, but it has adopted the practice of splitting the bid, that is, the 3-month loan target is split into a month and a month, when the investor withdraws a large area, the platform can not return the money in time, and the capital chain is broken.

3.The platform's risk control could not keep up, the bad debt rate was too high, the platform's promised investors' returns were too high, the high-quality business was too small, and some borrowers could not repay normally, resulting in the rupture of the platform's capital chain.

Due to the lack of effective supervision at the beginning of the birth of the P2P industry, the market once fell into chaos, under the pressure of national supervision, the reshuffle of the P2P industry has accelerated, and the "28 pattern" has been initially formed.

According to the "Market Prospect and Investment Analysis Report of China's P2P Online Lending Industry" by the Prospective Industry Research Institute, the annual transaction volume of the online loan industry in 2016 reached 100 million yuan, an increase of 110% compared with the annual online loan turnover in 2015 (982.3 billion yuan), reflecting the fact that the P2P online loan industry is still favored by a large number of investors. However, compared with 2015, the growth rate has slowed down, which also reflects that the development of the industry has begun to tend to be stable and healthy development.

At present, there is a trend of further differentiation in the industry. On the one hand, enterprises that are intensively cultivating a certain vertical segment strive to build a "small and beautiful" mutual finance platform, and on the other hand, large-scale platforms with rapid development and diversified businesses have begun to take the route of collectivization, and the polarization of the industry has intensified.

50 years old is a good financial management age, of course, the premise is that there is income security, a stable job or personal wealth accumulation has reached a certain level. On the other hand, 50 years old is also a more rational age with strong judgment. My father is also about this age, and he still learned financial thinking from his father, and I think he pays more attention to risk in financial management, followed by returns.

I am now investing in a lot of platforms, such as love money, enterprise loans, and some currencies, after all, my financial resources are still limited, and I don't want to take too many risks. Because it is in the Shanghai area, I also went to the field to investigate when I chose the enterprise loan, and confirmed that there was no doubt before starting. I think the important thing to pay attention to is not to be blind and not to pursue high returns excessively.