What should I pay attention to in P2P financial management?

First of all, we must consider the platform from many aspects.

Are all the platform lending projects real and high-quality projects?

The loan projects listed on the official website of Shangyi Loan need to be checked by the risk control investigators and the subcommittee of Shangyi Loan, and the risks are within the controllable range of the platform and meet the standards, and only those that pass the review will be launched, so as to ensure the risk minimization and the authenticity of the project.

2.How to borrow a project?

In order to ensure the vital interests of investment customers and the steady development of the platform, the loan projects on the platform are generally strong mortgage bids, and the loan amount does not exceed 60% of the total value of the collateral materials.

3.Does it have a strict risk control system?

Since its establishment, combined with the experience of advanced platforms at home and abroad, it has summed up a set of scientific and strict "risk control system for Shangyi Loan", namely "pre-loan review--- supervision during lending--- and post-loan capital protection", which has curbed the occurrence of risks to a large extent, and as a result, there has not been a single case of bad debts on the Shangyi loan platform.

4.Is there a risk reserve?

In addition to the advance to the investor, no one is allowed to use the funds in the risk reserve account, and if the borrower is overdue, the platform will use the funds in the risk reserve account to advance the principal and interest to the investor within three days.

Be wary of new development platforms, learn more about industry knowledge, and pay more attention to industry news. Conduct risk assessment and comprehensive analysis. (Golden Kylin Safety Net Loan System).

1. The overall development scale of the company. When choosing a P2P platform, try to choose a larger and more formal enterprise, which can allow investors to enjoy high returns while avoiding capital risks to the greatest extent.

2. Transparency of the entire business transaction. Only when you have a full understanding of the entire platform, lenders and transaction processes can you fundamentally ensure the safety of your own funds.

3. The platform's own risk control capabilities. When choosing a P2P platform, you must look at the risk control ability of the platform, the risk control ability of the P2P platform is very important, which can be said to be the last guarantee for the safety of investors' funds.

4. Platform strength. The company's registered capital, shareholders, team, etc. should be investigated.

5. Look at interest rationally, don't blindly pursue high interest.

We must pay attention to the authenticity of the project, which mainly depends on the borrower's qualifications and loan contracts, do not blindly pursue high interest rates, the platform background is also very important, and pay attention to the industrial and commercial information of the invested platform in a timely manner. The market is risky, financial management needs to be cautious, you look at other people's interest, others look at your principal, you have to grasp the risk.

Choose a quality P2P platform; learn to lend in a decentralized manner; Stay risk-aware.

Choose a reliable platform; Don't be a high-return wool party; diversification;

The first thing to pay attention to through P2P financial management online is the security of funds, to find those qualified and reputable large platforms, these platforms themselves do not have a capital pool, are through reliable third-party supervision, free access to funds is very convenient and can ensure safety. Secondly, don't unilaterally pursue high interest returns, too high will be risky, especially to identify those illegal fundraising platforms, the promise is very good, the income is extremely high, some of these platforms are unapproved platforms, we must be vigilant not to be deceived. In addition, don't invest too much at once for the first time, and gradually increase it when it is reliable.

Blindly only considering interest rates, ignoring the safety of funds, and falling into the trap of illegal fund-raising may cause the bamboo basket to be empty!

First: whether the company's registration information is paid in Second: there is a wireless fund depository Third: whether it has joined the China Mutual Finance Association or local associations Fourth: It is best for the company to have a financial license Fifth: Whether the subject matter of the platform is transferred at any time or at maturity.

Don't be greedy, keep a normal heart.

One wants bai

Choose one that has a bank depository of funds.

Platform. Put an end to the capital

The gold pool prevents DAO self-financing, and the funds are isolated from the platform, so that the platform cannot get money, which can prevent misappropriation and running away with money, and protect the safety of investors' funds.

Second, it is necessary to choose a platform with a real state-owned background or a listing background. Bi Jing has great strength and low risk of running away.

Third, we must choose the old platform that has been tested by the market. Generally, the high risk period of the platform is the second and third years of operation, and it is also a test of the overall operational strength of the platform, such as the overall level of the management team, the quality of assets, and the level of risk control. The old platform has strength and can be more reliable.

Fourth, we must choose a platform that has been recognized by various well-known rating agencies. After all, rating agencies have a large number of professionals, and it is easier for ordinary people to grasp all aspects of the platform. For platform evaluation, professional things are left to professionals to do, even if the platform with low compliance wants to do public relations, after all, the cost is there, and the rating agency has a bottom line, and it will not be at your mercy, otherwise, it will not be mixed up if the brand is rotten.

Fifth, we should look at risks rationally. The national regulatory policy is to protect the safety of investors' funds, and with the further implementation of the new regulatory policy, the P2P market will become more and more formalized. Be careful to sail the ship of 10,000 years, and it is always right to invest rationally.

Buy**,** is a reliable way to invest.

Security is the first priority, and you must have enough understanding of the platform you choose before investing, so as to ensure the safety of your funds.

Pay attention to the wealth management project and the issuing company. See if there is a bank escrow agreement and whether there is a problem with the subject project book. There is no guarantor.

It must be a careful choice of the platform, basically the products are almost the same, I invested in Anjie Wealth, which is very good.