How to avoid lightning in P2P online loan financial management is very important

Let's talk about a special way to determine whether a platform is going to run away:

The first point is to pay attention to the grassroots investors gathering places of the investment platform, such as the platform's official QQ group and WeChat group and other communities, these real investors will pay attention to the movement of the platform, so once there is any wind and grass, there will be gossip here one after another. Of course, a friendly reminder here is to learn to screen the truth of the news, otherwise it may cause a run on the platform because of a false news, so there needs to be a certain degree of loyalty between the platform and investors.

The second point is to pay attention to the changes in the operation personnel of the platform and the abnormal behavior of important investors. The replacement of platform operators and operating legal persons may be a precursor to the runaway relationship, which has been done by many platforms before they run away. Secondly, it depends on the behavior of the platform's major customers, i.e., the main investors, who are generally first-hand information recipients, and their behavior may directly determine the operation of the platform.

The third point is the abnormal behavior in the process of platform operation, such as the speed and term of bidding, and the large changes in interest rates are all reference data. Many platforms will issue high-yield targets on a large scale before running away, and the cycle is very short, with the purpose of absorbing a large amount of funds. So that's also a key point.

It depends on the background of the platform.

1. Enterprise qualifications: First of all, we must carefully investigate the various qualifications of the Wang Judgment platform, such as shareholder background and registered capital;

2. Team strength: The risk control team of the platform mainly depends on whether the P2P financial management platform team has industry experience;

3. Annualized rate: At present, the reasonable income range is about 8-15%;

4. Risk control ability: whether the P2P financial management platform has carried out strict data review, face-to-face audit, and on-site investigation of the chain loan project;

5. Third-party escrow: whether the P2P wealth management platform has conducted strict data review, face-to-face review, and on-site investigation of the loan project;

6. Guarantee issues: The CBRC clearly stipulates that the P2P wealth management platform itself cannot carry out Bu Lingsun guarantee;

7. Timely payment of funds: When choosing the platform for bidding, attention should be paid to the borrower's borrowing purpose and the purpose of borrowing funds.

P2P should be an information intermediary platform to achieve a one-to-one correspondence between borrowers and investors. A large number of platforms on the market fail to do this, and some even sell fake bids, and the funds raised are used for self-financing. Once these self-financing projects do not return the funds on time, there will be liquidity risks, resulting in difficulties in withdrawing funds, and the platform will run away or go bankrupt.

However, there is still no shortage of formal and compliant platforms. For example, Xiaoying Technology, our company has been using Xiaoying corporate financial management, the income is much higher than the bank, there is Ma Yun, Ma Huateng, Ma Mingzhe founded Zhongan Insurance principal and interest protection, the structure of the product is essentially principal and interest protection, very safe and reliable. At the same time, the product has strong liquidity, 14-365 days optional, and you can also customize the term.

The underlying asset is a small amount of personal consumption credit, which is relatively reliable. It has been a pleasure to work with.

The risk of P2P thunderstorm is mainly a policy thunderstorm, followed by investment income and market bad debts.

The policy thunderstorm mainly examines several points: first, the documents that should be used, such as financing guarantees, and second, whether the port products are compliant and legal, including interest, risk control, etc.

At present, the policy is relatively large, and the speed of the funds absorbed by the first-ranked Lujin has slowed down significantly, and it is recommended to look at the situation, which is not better than **, there is a low operation, the only difference between advanced and backward is the size of the cost of funds, and now the data given by the platform may be a little more attractive, but the normal effective profit data of the front-end market is not good Most of the platforms themselves have been sucked and let go Personal Shallow I hope it can help you.

There are so many thunderbolts on the platform nowadays, so security is the top priority. In addition, I generally also pay attention to the background of the platform, the qualification information of the enterprise, whether there is a bank depository, and I personally think that the income is moderate.

Hello, when choosing a platform, you can pay attention to the following points to choose the right one for you:

1. Look at the registration threshold:

Looking at the registered capital of the platform, find out the details, and block the platform without capital capacity to reduce the risk.

2. Look at the risk margin

Risk margin, also known as risk reserve and risk guarantee, is one of the most common security methods used by many 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 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

Generally, the annualized return of such platforms is in between, and when the interest rate level of some platforms is too high, it is necessary to be vigilant.

Risk and reward have always been a state of coexistence. Since the national regulatory authorities have not yet issued relevant laws and regulations, the P2P financial platform is now in a state of "stocking". But it doesn't mean that all platforms are informal, and some platforms have a high degree of self-discipline, just like small money fans.

There are three aspects of self-discipline: whether the platform's funds are paid by a third party for fund custody, whether the information released by the platform is true and reliable, whether the platform's subject matter is too large, and the risk is too concentrated.

First of all, due to the large number of runaways now, many investors will think about how to curb this situation. The correct investment process should be that the investor recharges the funds to the third-party payment platform, the platform transfers to the borrower, and after a certain period, the borrower repays the loan to the third-party payment platform, and the third-party payment platform then pays the investor with interest. Under this model, the P2P platform is simply an intermediary agency, and the boss of the platform does not have direct access to funds, and the inability to access funds greatly curbs the risk of running away.

Secondly, the borrower's information published on the platform must be true and reliable. As we all know, China's credit system is not very perfect compared to foreign countries, so the simple credit guarantee is not very applicable in China, and now the general platform adopts the mortgage model, that is, the platform guarantee agency conducts a strict review of the borrower, and the information after the review is released on the platform for investors to invest. Therefore, the information published by the platform must be safe and reliable.

Finally, whether the target released by the platform is too large and whether the income is too high. At present, the annualized income of the general online loan platform is about 10%, and the income will also be adjusted according to the different cycles. "Investment is risky" is true, but how to control the risk of the platform within a controllable range?

Split the target! For example, a target of 20 million can be divided into 20 periods, each with 1 million, which reduces the risk and makes the investor's investment safer.

In general, there are definitely risks in P2P platforms, but if we find the right financial platform, our risks will be reduced a lot. The platform that performs from the above three aspects is a formal and safe platform, and investors can invest according to their own situation.

1.Don't leave it to chance.

Judging from the feedback from investors on the recent thunderstorm platform, in fact, some investors have heard the news that the platform is going to have an accident, but they have a fluke mentality and refuse to get out of the car until they step on the thunder. Remember to get out of the car decisively when you are warned many times, and you must not fall in love, otherwise you can only suffer heavy losses.

2.Reject platforms that don't have a high level of compliance.

Like Tang Xiaoseng disclosed a bunch of certificates, everyone thinks it is a compliance platform, but the bank depository is not on, how can it be called compliant, these useless brands are just coaxing investors with simple thinking. If you want to invest safely, it is better to choose a platform like Housing Easy Loan, which has transparent information disclosure, is also depository with a bank, has a high degree of compliance and strict risk control.

3.Maintain industry sensitivity.

Many investors think that they can sit back and wait to receive money after investing, but in fact, investment has just begun, maintain the necessary industry sensitivity, always pay attention to industry policies, pay attention to the dynamics of their investment platform, public opinion supervision, etc., so as to do a good job in investment allocation.

The common fraud methods of P2P financial management platforms include capital pools, short-term high-yield deceptive investment, pretending to have a third-party platform to supervise and attract investment, anti-fraud means, and diversifying investment in fixed income financial platforms such as Shengfutong, before investing to the supervision platform to verify whether it is true, understand the historical performance of investment products, and be 12 points careful if it is new.

Diversified investment, investment safe, long-term, transparent information platform, Hongling, everyone, pat, you and me, are not bad.

A lot, it's better not to invest, and now there are still big loopholes in P2P regulation. A lot of money runs away.