What is the biggest risk of peer-to-peer network loan industry?

Double Ninth festival with a friend in Alibaba to do technology to eat, talk about Peer-to-peer network loan industry of various chaos, he asked me, "You think Peer-to-peer network loans The biggest risk is?" "I said" run away, "he shook his head, and I said it was regulation, and he shook his head ... In the end, he told me that the real risk is neither running nor regulation, but the system security of the network loan platform, and the potential system security problem is the real time bomb.

Is it? I said, dude, you're talking about three words. As a person in the industry, Peer-to-peer Network loan industry Negative energy I have never heard of the escape has led to the loss of investment, has not heard the platform system has been breached so that information leakage, financial losses. He said, "You are doing operations management, the essence is to despise technology, I can not argue with you, you will see." ”

Then the topic passed. Soon after October 23, Xiaofeng system developers UK Maise Internet Finance Division in Shenzhen to hold a press conference, released its latest research and development of the Xiaofeng Security Net Loan System 6.0, and highlighted the new version of the main "soft and soft dual engine" characteristics, network loan Platform system security This topic to arouse my attention again. Now looking back, I can not help but sigh: experts are experts, the security awareness of system developers did walk in front of our platform users.

"Seven swords under the Tianshan Mountains"

Xiaofeng Safety Net Loan System 6.0 conference theme designated as "Seven Swords under the Tianshan", Shama full, fully exposed the Xiaofeng system want to be a peer-to-peer network loan platform Escort "ambition." Can it be done? It depends on the "Seven Swords" is not sharp enough. As the name suggests, here "seven Swords" refers to the Xiaofeng safety net Loan System 6.0 main hit seven breakthrough bright spot function, I will from the software and the hardware two aspects to share.

Software, Xiaofeng security Net loan System 6.0 has five highlights. Among them, "Wind control Custom Strategy module" original intelligent wind control strategy, fully support the mainstream 72 kinds of wind control module, according to the different network loan product wind control demand, custom wind control subjects; "NET Loan product custom module" because the wind control subject can be customized, so that the network loan products can be diversified, the same platform can be online countless different kinds of network loan products The bank-level billing module has a bank-level billing function, data statistics and billing collection integration, so that the Platform collection management more scientific and convenient; "48 platform Operation Report" brought about by the comprehensive data can help enterprises to create the top Peer-to-peer network loan platform; In addition, "SJP Financial Network loan Industry Security Development framework" from code specifications, Code audit Logic, code compilation, code preservation and many other aspects of security management.

In the hardware, in addition to the original Eims cloud a server, Xiaofeng 6.0 heavy launch of a new Xiaofeng security Cloud Shield, Xiaofeng SS6, such as the security hardware, a comprehensive upgrade Peer-to-peer platform security. Among them, the new Xiaofeng security Yun Dun is Xiaofeng software for Internet Web application class IT system launched a smart security hardware products, mainly through Xiaofeng unique symmetric key encryption technology and MD5 security Encryption Standard combination of hardware firmware firing mode, providing "cloud + hard terminal" combination of hardware encryption. And the SS6 front machine (now upgraded to the cloud a front machine-SS7) is based on load balancing, security isolation and multi-point high availability solution, through the built-in SS7 core program, to achieve each of the back-machine (operating server) access to security access authorization, the unauthorized access to quarantine, to achieve load balance on the two-machine, achieve multiple high availability.

Industry new Benchmark

The martial arts drama "Seven Swords under the Tianshan Mountains" is mainly narrated in the year 1643, the Qing Dynasty replaced the regime under the great environment of the Seven Musketeers in order to resist the Qing government's ban on martial arts, a series of stories, Seven swords are: Mo asked Sword, by Gaiden, Green Dry sword, house God Sword, day Waterfall Sword, Moon Sword, competition star Sword, The representative is seven different character but concentric line chivalrous swordsman, they weak hoe strong, protects the Lebanon deeds for the martial arts personage to establish the benchmark.

People in the industry know that Peer-to-peer network Loan system This market is not small, but also very young. Catch the Internet finance this ride of the Xiaofeng Network loan system, in fact, has been recognized by the industry as the first, the first through the Chinese Software Evaluation Center security testing, China's market share of the first China's largest peer-to-peer system service provider. In this context, Xiaofeng Security Net Loan System 6.0 release has undoubtedly completed a self-transcendence, to the network loan industry set a new benchmark, its significance embodied in the following two aspects:

First, the network credit industry security awareness has been promoted a grade. As I said at the outset, it is possible that the entire industry has not put system security risks at the top of the platform's operational risk. After this, aspiring to bigger and stronger platform managers will be aware of the importance of system security. In fact, as early as this year's New Year's Day just over, everyone loans, pat loans, good credit nets and other Peer-to-peer platform has been announced to encounter hackers, but at that time did not arouse the attention of everyone, some people also think this is the platform of Self hype marketing topic. This Xiaofeng with a brand-new product and a massive press conference, will help push people's safety consciousness into a new level. In the future, those words, such as "system safety comparable to banking", which have been in the past spoken, are expected to be implemented.

Second, make the platform operation and management more convenient worry. Looking at the Xiaofeng safety net Loan System 6.0, you will actually find that the "soft" aspects are almost all helpful to the automation of operations, marketing and finance, process and "fool", in addition to security considerations, but also to give the platform a higher convenience and flexibility. The importance of this, I believe those who have long been subject to system rigidity, scalability is poor and can not be flexible to carry out business platform operators more experience. The market changes rapidly, the product also must change because of the potential, this is particularly important in the Internet finance industry.

Peer-to-peer Network Loan development is indeed a mess, a variety of risks emerge, but fortunately these risks are not fatal, not slow down the booming industry. Next, the industry should focus on the system security risks of the Peer-to-peer network lending industry's biggest risk, the "weapons of mass destruction" in the bud.