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Anonymous users2024-02-11P2P is the meaning of point to point, it is a term, which means that at the same time as your own **, your own computer will continue to do host uploading, this **way, the more people, the faster the speed, but the disadvantage is that your hard disk is more damaged (read while writing), and it occupies more memory for you, affecting the speed of the whole machine!
According to the German Internet research agency ipoque, P2P has completely dominated the Internet today, with 50-90% of total traffic coming from P2P programs.
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Anonymous users2024-02-10Mutual Win Finance answers for you.
How to identify a P2P online loan wealth management platform.
1.Risk control strength.
As a P2P platform, if the risk control strength is not enough, once the bad debt rate rises, the platform is waiting for only bankruptcy or running away. How to judge the risk control ability? This starts with the experience of the platform's risk control team and managers.
Duoduo collects and sorts out whether the platform has had withdrawal difficulties, overdue and other problems and how to deal with them, and try to stay away from platforms that have not solved problems in time.
2.Project rate of return and duration.
High-yield, long-term generally do not invest. For example, with an annualized rate of 30% and a 24-month project, the high interest can be imagined, and the platform does not earn a penny, and it is all given to investors. What does the platform operate with?
How does the platform develop? How can you afford a bigger business? 24 months project, just imagine, there are businesses or individuals that can maintain long-term high profits?
If there is such a person or company, will the bank be reluctant to lend? Banks are willing to lend at such low interest rates, why do they still come to the platform to borrow money. High-yield loans are only short-term when the bank has already decided to lend, and it is indeed possible because the capital turnover is relatively tight and the bank lends slowly.
3.Business model.
At present, there are some platforms that cooperate with third-party guarantee companies to carry out business, this business model may give people the feeling that it may be the safest, in fact, it is very dangerous, first of all, the platform does not know the real situation of the project provided by the guarantee company, and secondly, the platform will share a large part of the profits to the third-party guarantee company, it is conceivable that the profitability of such a platform is very limited, how to maintain the operation of the platform if it is not profitable? What to pay for? What to use to protect the interests of investors.
4.Whether the platform is self-integrated.
At present, the vast majority of platforms that have run away or closed down have self-financing, and once the platform has self-financing, it may be very dangerous. The emergence of self-financing on the platform means that the platform's profits and funds are insufficient to operate the platform. It's time to evacuate the platform.
5.Management team.
The management team of the platform is the decisive factor in the strength of the platform's risk control, and it is best to conduct on-site inspections to see the overall quality of the platform's personnel and the relevant degree of professionalism.
6.Registered capital.
The registered capital shows the strength of a company to a certain extent, and some P2P platforms now have a registered capital of hundreds of thousands or hundreds of thousands, and it is strongly recommended not to invest in such platforms.
Financial management does not depend on money, but on the brain, be a smart investor, choose the platform carefully, and don't let your hard-earned money be lost in vain.
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