How To Identify Quality P2P Platform? "Dad" Will Win.

And then to the end of the year, the problem platform "play" has new tricks. How do you want to join P2P finance? How do you choose to avoid lightning and choose a safe and high-quality platform? Three essential elements, basic information, risk control and user experience, must be read.

P2P net loan industry "spoil Daddy" era has arrived. In order to enhance the strength of the platform, the platform has adopted the way of holding thigh of listed companies, introducing state owned enterprises to increase capital shares and introducing well-known venture capital, etc. investors can inquire through the net loan platform official website, the third party information disclosure platform and so on.

At present, the banking network loan platform includes Lu Jin, gold and ultra net loan; the platform of the listed company includes nearly 50 network loan platforms, including good loan and loan, Qianhai ideal finance, investment network and financial capital. There are about 55 platforms in the state owned Assets Department, such as loans, loans, loans, lettuce and so on.

This year, with the support of favorable policies, the popularity of net lending has been increasing as part of the asset allocation of more and more individual investors. According to the data of third party platform loan home, the loan balance of P2P net loan industry in November was 400 billion 543 million yuan, which exceeded 400 billion yuan ahead of Schedule 1 months ahead of schedule. But correspondingly, the CBRC has recently made a risk warning to the "3M" financial mutual aid community, which has attracted interest from investors with high interest. In the face of both positive and negative aspects of ice and fire, how should investors choose the platform normally?

Usually, the basic information of a net loan platform includes four parts: on-line time, registered capital, company background and project situation.

The longer the operation, the stronger the risk control ability. According to the data of net loan home, up to now, the earliest domestic platform was established in June 2007, followed by Hongling venture capital and Shanghai platform Luigi Nono pound customers, all of which were founded in 2009.

P2P platform products can be broadly classified into microfinance, corporate financing loans, bill financing, consumer finance, pawn business and other types. Usually, the financing of negotiable instruments is relatively safer because of the credit endorsement of banks or enterprises, while corporate financing loans can be judged according to the strength of enterprises, the development of their industries, the whereabouts of investment projects and other factors.

Before this year's regulatory policy, most of the net loan platform funds rely on the third party payment institutions, and with the block box formally access to the Minsheng Bank Capital custody system, there are platforms for negotiation with banks.

Matters concerned.

Usually, access to bank funds is more secure.

Platform support mode, the current industry uses Guarantee Corporation, risk reserves, insurance companies, small loan companies these four modes, the mainstream mode is with Guarantee Corporation cooperation mode and risk reserve mode.

Compared to bank financial products and trust products, P2P net loan products often lack sufficient information to disclose data, which is precisely an important basis for investors to select projects.

Investors should check the data of the letter and pay attention to the third party credit data, the borrower's basic information, the borrower's credit file, the borrowing project photo, the description of the loan description, the source of repayment, the relevant contract agreement picture, etc.

Most platforms do not charge for recharging. Instead, in order to get customers, many online lending platforms offer red envelopes and experience labels to novice registries, especially on platforms such as memorial days, statutory holidays and so on.

At present, part of the platform will charge a certain amount of fees according to the amount, so before the investment, investors can know whether to pay free by dialing the customer service phone or in the official network.

Compared with bank financial products,

The investment threshold of net loan can often be as low as 100 yuan or even less.

However, because some banks restrict the single day pfer volume, investors who wish to invest heavily may need to pfer more or more days, which is relatively cumbersome.

In terms of redemption amount, usually the platform does not limit the redemption amount, but the arrival time will be different. At present, many platforms can achieve T+1 arrival, while some platforms will arrive within T+3 working days. The long time of capital investment may have an impact on the investment income.

Liquidity of funds

Compared with Bao Bao and other "treasure" demand management products, P2P net loan products do not have liquidity advantages. With more and more platforms offering credit pfer functions and gradually reducing time and product restrictions, the disadvantage of net loan investment has been gradually compensated.

If the investment period is more than 6 months, it is necessary to pay attention to whether the platform can provide debt pfer service. Then, it is necessary to investigate the time and cost of the pfer of creditor's rights. For example, if the pfer fee is 1%, the investor will apply for the pfer after 1 months, the original time limit is 1 years, and the annualized return rate is 12%, so the actual 1 month yield of investors will be less than 1%.

Third, we need to see if the pfer of creditor's rights in the platform is active. If the success rate of pfer of creditor's rights is very low, most of the claims can not be pferred.