What do you think of R L P2P?

There are many investment projects, which can be freely combined, with high flexibility and relatively low risk.

Jin Ruilong has suspended operations on March 12, and the information is true. As of February 28 this year, Jin Ruilong has accumulated a loan amount of 100 million, but the company's official ** has no other project information disclosure except for a 500 yuan "social security loan-jrl20180412002". In addition, there is no information that must be disclosed under regulatory requirements such as overdue or 90 days overdue.

So it's been seized.

It is very important for a platform to disclose information, and there is a certain security guarantee for investors' funds, such as easy financing, transparent information disclosure, and investors can know who they have lent their funds to.

If you invest, P2P is currently in the period of industry rectification, most platforms have been subject to compliance industry rectification since last year, and many platforms have also closed down in the process. Jin Ruilong is a small and short-term company in the industry, and it is recommended to invest very much.

In fact, it is difficult to say which P2P platform is better, so if you are not a risk-appetite investor, it is recommended not to invest in this type of platform for the time being, and if you do, it is better to invest in the short-term within a year.

At present, the overall economy has a downward trend, and it is recommended to consider relatively less risky investments such as index**, western region bonds, and reverse repo.

P2P is too risky now, so it is recommended not to invest in it.

Generally speaking, it is not the same.

Generally speaking, regular P2P must meet the following three aspects:

1. Enterprise qualification and team strength: including the establishment time of the platform, relevant certificates of the enterprise, ICP filing, management team background, registered and paid-in capital, whether it has its own technology research and development team, annualized rate of return, etc.; Generally, formal P2P platforms have all the relevant documents for business, and the annualized rate of return is generally maintained between 12% and 18%.

2. Platform guarantee mode: At present, there are three major guarantee modes for P2P platforms: self-guarantee mode, third-party guarantee mode, and unsecured mode.

The third-party guarantee model is the best, once the financier defaults or overdue, the third-party guarantee company will be responsible for compensating the investor, which is currently more trusted and respected by mature investors.

3. The flow of funds on the platform: the essence of P2P provides intermediary services, which should not involve transactions, and the reason for the withdrawal crisis is very likely because the company misappropriates the customer's precipitated funds for its own use or other purposes. In order to avoid such risks, most of the compliant P2P platforms choose to cooperate with third-party payment platforms, and the model is for P2P companies to open a corporate account on the third-party payment platform, and the self-operated account and investment account of the P2P platform are completely isolated through the third-party intervention fund custody method.

The group loan network is safe and secure, and the income is high, which is a good choice. The key to choosing a P2P platform is to choose a reliable platform, which can be judged from these 5 points:1

whether the platform funds are held in escrow by a third party; 2.The business scope is whether the project is fake and empty; 3.whether there is a risk control team; 4.

Whether the annualized rate of return is reasonable or not, the normal rate of return is around 8%-15%; 5.User satisfaction and customer service, etc.

I haven't heard of it, in 2018, P2P concentrated thunderstorm, you have to be careful when using P2P finance.

Of course, it is reliable, Jin Ruilong is an Internet financial enterprise formally registered by the Shenzhen Municipal Bureau of Industry and Commerce, with a registered capital of 100 million, and there are hundreds of branches in the country.

I know a lot of people who invest in it.

Jinruilong is an honest, professional and efficient Internet financial information intermediary service platform, no matter what financial management or anything.

The earnings are stable, and you don't have to worry about security.

Good, high returns, stable returns.

It's good, I've been investing in it, it's pretty good, and I don't have to worry about income and safety.

It is a very good choice, Jin Ruilong is a regular platform, you can choose with confidence.

It is a product of a regular company, and the security of this regular company is very strict in the protection of user information security, and the information will not be leaked.

It depends on your understanding of the concept of financial management, when you usually have some surplus money and need to make financial planning, you can go to Jinruilong to make some short-term investments.

Interest rates are ok.

First of all, recognize the qualifications of the platform. Although the state has issued detailed rules and regulations to supervise P2P, from the perspective of the current policy, the policy first determines the legal status of P2P, which eliminates the worries of investors, and makes P2P develop rapidly with the support of favorable policies. In summary, choosing a well-qualified platform can avoid unnecessary investment risks.

Second, choose a reputable platform. The reason is that at the beginning of the rise of P2P platforms, the lack of thresholds caused the development of the platform to be uneven. Now, after the big waves, it has gradually emerged that it is gold and sand, and in such a long time, what can get good praise must be a strong platform and a platform that belongs to the conscience of the industry.

So platform reputation is a pretty convincing criterion for identifying a platform! In addition, in the financial industry, data is king, if there is not enough time to accumulate effective data, and constantly find and improve problems in actual testing, then this platform must not survive. All in all, the cultivation of reputation is by no means a day's work!

So a platform with a good reputation is very rare!

Finally, look at the ability of risk control. A good platform must establish a prudent and strong credit screening mechanism, a set of comprehensive and rigorous service processes throughout the pre-consultation, pre-loan review, post-loan follow-up, and repayment management, and the platform conducts strict credit review on borrowers to see their willingness to repay and repayment ability, including career stability, residence stability and family stability within a short period of time, and carry out risk control before, during and after the loan. With a strong risk control system, the risk will undoubtedly be minimized, so risk control is the top priority.

All in all, it is to look at the strength, reputation, and risk control, and this information may also be fake, but the probability that the platform that can integrate the three is a fake platform is extremely low. Having said that, in the era of negative interest rates, investment and financial management have become an indispensable part of people's lives, and investment and borrowing have also become hot topics of heated discussion in life.

Advantages of P2P investment.

First of all, the biggest feature of P2P financial management is that it is convenient and easy to operate. As long as you can connect to the Internet, whether it is a PC, a mobile terminal or an APP software, you can quickly invest and manage your finances.

Second, the liquidity of P2P wealth management is good. At present, most of the platform investment horizons are within 1-12 months, and platforms such as Huiyin Futong, which mainly focus on short-term targets in January and March, abound. However, the investment period of traditional wealth management is mostly in years, generally 2-3 years or even longer, and the liquidity is poor.

Third, the investment threshold for P2P is very low, with a minimum investment of 1 yuan, and ordinary investors can participate. The investment threshold of traditional wealth management products is relatively high, generally from tens of thousands to hundreds of thousands, which can only be prohibitive for some people with unsatisfactory incomes.