Net Loan Investment To Become A New Favorite P2P Also Have Skills

Although CCTV once said that the formal P2P is much better than the bank's financial management, it is flat against the regular P2P, but since 2011, there have been more than 210 P2P problem platforms.

With the increasingly fierce competition in the P2P industry, the situation of ebb and flow is about to happen.

However, how can we choose the P2P products with high risk for those whose risk bearing capacity is not high?

P2P is a new product in Internet finance, and the essence of Internet finance is finance.

The financial industry has a higher demand for practitioners. For example, banks and securities institutions are not only qualified to admittance, but also have a mutual assistance mechanism for investigating employees' professional backgrounds. However, the P2P industry can not do self-examination at present.

So before they invest, they need to know more about the background of P2P company and founder.

　　一般来说，国资背景下的P2P，如上海保必贷、江苏开鑫贷、陕西金开贷、安徽德众金融等“安全级别”是比较高的; 其次是大型金融集团开设的P2P，如平安集团的陆金所、招商银行的“e+稳健融资项目”等，由于具有金融背景，安全系数也较高;再次是上市公司、大型电商平台、大型风投投资或成立的P2P，如熊猫烟花设立的银湖网，勤上光电增资的好又贷，浙报传媒、大连控股、凯恩股份、中捷股份多家上市公司联合发起的前海理想金融等，电商平台系P2P则有阿里旗下的招财宝，金银岛旗下的金联储和小米投资的积木盒子;风投系P2P则有红杉投资的拍拍贷、挚信和腾讯产业共赢基金投的人人贷等。

If P2P does not have the endorsement of the above three types of shareholders, the background of the founder is very important. If the founder or shareholder has many years of experience in the financial industry such as banks, small loans, pawnshops and so on, then the safety factor will be relatively higher. If it is to pform from other industries to P2P enterprises, and the founder has no financial experience, it is necessary to have a question mark about the strength of the P2P enterprise.

Risk control is the core competitiveness of the P2P industry. For P2P enterprises, besides the traditional wind control technology, the use of Internet technology can also improve the P2P wind power control level and efficiency.

Therefore, a regular and certain P2P company must have strong wind control and IT departments.

When visiting the P2P, the mothers, besides the founders and shareholders, need to know the core executive team of P2P enterprises. If there are financial and IT cattle and larger wind control and IT teams, the possibility of large-scale credit risk will not be too high, nor will the website collapse due to the hacker's impact.

And if a P2P enterprise does not set up its own IT department, even the website is outsourced to others, then it needs careful consideration.

P2P enterprises are relatively complex in terms of management. They usually face risks such as self financing and discount, etc. for ordinary P2P investors.

It's also hard to detect.

There are three ways to prevent operational risks. A relatively simple way is to see the establishment period of P2P.

In China, the life span of 3 years is a test for the vast majority of small and medium-sized enterprises. If it is established for more than 3 years, it can be considered to have stood the test of time and the risk of operation is relatively small.

Another sign of operating risk is interest rate.

In the background, the P2P platform gives the investment side's annualized interest rate usually low, and between 8%~12%, the interest rate of private P2P is 12%~18%, if it is higher than the interest rate range, then the risk borne by investors is very large, because on the basis of interest rate plus P2P

(usually more than 6%), the borrower needs to bear the total cost of 18%~24% borrowing, and the possibility of default will be great.

Interest is always lower than principal. When choosing a platform, investors must not risk losing 100% of their principal interest in order to raise interest on 3%~5%.

In addition to looking at the interest rate, aunt can also understand the types of investors in the P2P platform. If it is a high-risk group with high risk and high returns, it is best for them not to play heartbeat with them. It is more suitable for mothers to be the P2P platform with low risk preference investors.

For example, many state-owned assets P2P, 30% of its investors are civil servants, so the state owned Department of P2P platform is also known as "the most popular P2P of civil servants".

After they are the pronoun of rice, oil, salt, but with the influence of the international gold market and the buying of overseas property, Chinese aunt became famous in the war of investment.

Nowadays, Internet finance is booming. P2P as the new favorite of the industry, how to get less aunt's participation.

According to incomplete statistics, China now has more than 2000 P2P platforms.