Is Guojinbao safe, is it a P2P platform?

Mutual Win Finance answers for you.

An important factor in choosing P2P platform security: risk control strength.

The so-called P2P online loan risk control runs through the complete process of user discovery, user screening, credit evaluation, loan review, interest rate determination, fund allocation, internal control, post-loan collection, and disposal of non-performing assets. The strength of risk control capability is the core competitiveness of the P2P industry, and it is also related to how far the platform can go in the fierce battle of the industry in the future. To understand the platform's risk control strength, you can ask about the platform's overdue rate and bad debt rate.

The second important factor in choosing platform security: information disclosure.

The so-called information disclosure refers to the behavior of P2P enterprises to fulfill their obligation to inform regulators and the public of their business information, financial information, risk information, etc. Timely, accurate and adequate information disclosure will help improve the transparency of the P2P industry as a whole and individual companies, so that market participants can receive timely and reliable information.

The third important factor in choosing a platform security: bank depository.

Investors' funds are managed through the bank, and the platform manages the transactions. The platform opens separate bank electronic accounts for investors and borrowers, and all user funds are deposited in bank electronic accounts. Truly realize the isolation of capital risks, so that funds and transactions are separated, so that the P2P platform cannot directly contact the funds, and the occurrence of the self-financing phenomenon of online loan platforms in the current market can be avoided, and the risk of misappropriation of funds can be avoided.

The fourth important factor in choosing platform security: investment experience.

The investment experience includes: funds standing guard, recharge to the account, withdrawal, etc. In fact, the good investment experience of the platform does not conflict with the security of the platform.

The fifth important factor in choosing platform security: team structure.

The most basic organizational structure for the normal operation of a P2P platform includes: technology, market, operation, business, risk control, shareholder and platform background, etc. This is also the homework that investors need to do before choosing a platform.

If it is a P2P company, don't consider doing offline financial management, the state has expressly prohibited P2P financial management companies from setting up offline stores, P2P is a kind of Internet finance, and advertising is not allowed. Build.

This is not easy to say, such as mutual loans.

As long as it is in normal operation, it can be said that it is still necessary to look at it as a mutual loan.

Nowadays, P2P financial management is a good way to manage money, with high returns and low thresholds, and flexible and simple investment. For platform security issues, the platform can be comprehensively selected by examining the basic information of the platform (online time, registered capital, platform background and project situation), platform risk control guarantee system (fund management, risk control guarantee mode), income scope, capital liquidity and other factors.

At present, try to choose a platform with strong background strength (listed companies, state-owned enterprises, etc.), good risk control and protection system, and reasonable returns, which will be safer and more reliable.

After the query of the third-party authority**, Guojinbao has no ranking, because the ranking considers the development index (including online time, city, transaction, popularity, leverage, dispersion, liquidity, transparency, and fund custody), and there is no advantage in Guojinbao, so there is no ranking.

In addition, Guojinbao has no fund trusteeship, and there is a suspicion of a capital pool, so it hopes to invest cautiously. I have been engaged in Internet finance for five years, and I hope my advice can help you.

There is no ranking at present, you can go to the online loan supermarket to check the platform ranking.

It is recommended that you manage your money through banking channels. At present, there are many ways for personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, trust, insurance, etc.

It is recommended that you go to the outlets of China Merchants Bank to consult the relevant advice of the wealth manager.

Now there are two reliable wealth management platforms, one is Ant Financial, a subsidiary of Jack Ma, which specializes in managing small amounts of money; The other is Ping An's Lufax, a Fortune 500 company in the world, under the world's No. 1 insurance company, specializing in the management of large amounts of tens of millions of money, Ping An is the pride of China. However, the financial returns will not be very high now.

Now it's not very reliable, and the interest returned after the investment can't be withdrawn, not to mention the principal, and the bound bank card can't be withdrawn, which is a deception.

Don't invest, you can't get through.

In the black July, how many financial platforms collapsed, is it true that our ** competent authorities can't see it, why didn't they have any control when they established this kind of platform? Since 2016, the introduction of online financial control measures has been on paper? Now how many investors complain that they have no way to cry and cry, although most of these are elderly people, they just handed over the hard-earned money they have accumulated in their lives to these platforms for this little more income, should they be deceived?

What kind of benign exit is completely to escape the responsibility of fraud, who will save these innocent investors?

So investment is risky, be cautious!

Today I checked my own, and that's the same.

When choosing a wealth management platform, first look at how long it has been established (preferably more than three to five years), whether there is a threshold for joining (regular investment of 100 yuan), whether there is a formal bank depository funds, and be optimistic about these reinvestments, so that it is safe. The red envelope in the financial platform is generally in your ** how much money project, this red envelope will be rewarded to you, if you don't invest, the red envelope will expire.

For lenders, the loan term of the vehicle, the volatility and growth rate of the vehicle** and the synergies, the loan ratio, the loan interest rate, the macroeconomic parameters and the impact of correlation on the default rate and insurance rate are all very mindful.

Investing in P2P online loans has become a fashionable way to manage money, and compared with credit loans, car loans are a kind of mortgage loans; Compared with housing loans, the borrowing amount of car loans is more legal and faster in terms of compliance and disposal. Therefore, there are really many platforms for car loans in China. Statistics show that about 1 3 of the more than 4,000 online loan platforms in China have car loan projects, with different regions, different interest rates, and different investment forms.