How to find a secure P2P platform

A precursor to a P2P platform thunderstorm.

1. Inexplicably inflated interest income.

We must firmly understand that there is no such thing as a free lunch, and pie in the sky for no reason is usually pregnant with many crises. Any business practice follows the economic principle of "cost-benefit", and P2P financial management is no exception.

Professionally operated P2P platforms will control costs within a reasonable range, and investors should be vigilant once there is a sudden "feedback" activity that releases a large number of second tokens or raises interest income.

2. Withdrawal is slow or delayed.

Unless there are normal reasons such as network maintenance or system upgrade, other abnormal withdrawal delays or delays are all manifestations of a crisis in the platform's funds. In fact, the identification method is very simple, you can consult the customer service staff as soon as possible, if the other party is the reason for the third-party payment, you will ask for the withdrawal number, continue to call the customer service of the third-party payment**, and check whether the withdrawal number is true. If true, it's systemic; Otherwise, it's a platform crisis.

3. Abnormal bidding at the end of the year.

Originally, the P2P financial management platform with various terms and reasonable suddenly issued frequent skymarks. It means that there is a problem with the platform's capital chain, and the platform needs capital flow to enter. At this time, rushing in is the pick-up man.

The end of the year is often an indicator to test the health of a platform's operation. P2P platforms generally have a lot of pressure on capital redemption at the end of the year, and if there is abnormal bidding behavior at the end of the year, there must be problems. Abnormal bidding at the end of the year, mainly including the sudden continuous release of unclear information, or the high interest rate of the day standard, January standard, etc., need to be paid close attention.

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.

Safe as mutual loans, steady and steady.

After the major reform of the P2P industry in 2017, P2P platforms are now facing more and more stringent compliance roads, and everyone must have heard of it. In the future, the P2P industry will inevitably develop better and better, but what must investors care about the security of P2P platforms, so how to find a safe P2P platform? The author has been engaged in Internet finance for several years, and has summarized some experience to share with you:

Learn about the platform.

Analyze the platform project.

How does the platform make money? First of all, the platform first integrates and packages various offline financing needs into standardized online wealth management products, so that wealth management users will see them on the Internet. The platform will continue to release new financing targets, and then go through the online financing process, the project will be full, and the borrower will receive dividends after repayment.

The above process is compliant. However, some platforms, in order to attract users to invest, will first set up fake projects to raise funds, and then users do not know where their money is going. On a platform like this, most of them have a pool of funds, and there is also a phenomenon of self-financing.

As the state becomes more and more strict in the supervision of the P2P industry, a platform such as Auto Loan, which meets the national requirements and is compliant, can really check the borrower's information and publicize the direction of funds, so as to survive in the compliance reshuffle.

Pay attention to the platform.

Including whether the platform's recent ** activities are frequent, whether there are too many short-term targets, whether it has greatly increased the cost of publicity, etc., if the above situation occurs, users should be vigilant. This shows that most of the platforms have problems with capital turnover, and they want to attract new users to invest through this means.

Once a user reports that the platform is difficult to withdraw, users should be even more cautious. This is most likely a harbinger of platform running! We can plan a retreat. P2P financial management, risk and return coexist, the author sincerely hopes that every user can find a reliable platform!

Hangzhou can be said to be the hardest hit area of the P2P thunderstorm, and many platforms in Hangzhou have thunderstorms and runaways, investors should pay attention. How can we better protect against lightning:

1.Master industry knowledge and lay a good foundation for financial management.

P2P financial management, the most taboo is not to know anything blindly investment, when you do not have a thorough understanding of the development model, current situation, law, advantages and potential risk points of an industry, it is easy to follow the footsteps of others to invest blindly, it is easy to step into the minefield, become a cut leek. It is recommended to learn and master basic online loan knowledge and financial management skills in third-party portals** or follow some industries*** before managing money.

2.Stay away from unreasonable high interest rates such as daily and monthly interest rates.

At present, the normal income level of the P2P industry is between 5% and 15% per annum, and if the upper limit of 15% is exceeded, then we need to think about whether the platform's business can support such a high interest rate for investors in addition to maintaining daily operations and marketing. It should be noted that the above income range is an annualized interest rate, and when encountering some daily and monthly interest platforms, it is the right way to withdraw in time.