How to improve the security of online investment?

At present, the domestic Peer-to-peer network loan platform problems mainly divided into two types of fraud and mismanagement. Industry analysts predict that in 2014, the accident of the Peer-to-peer network loan platform may be hundreds of. Therefore, the risk of peer-to-peer network lending this year is still very large, so how can investors improve the security of online investment?

Expert: How to improve the security of online investment?

The main methods are six:

1, investigate the Peer-to-peer network loan platform operating life and brand;

2. Investigate the shareholder strength and team structure of the network loan platform;

3, observation of the Network loan Platform project and wind control capacity, some network loan platform is under the line of the guarantee company to assume the risk, some network loan platform to bear their own risk, the latter on the wind control ability requirements are higher;

4, must have the reasonable investment anticipation. Peer-to-peer Net Loan Project annual return rate in 8%-14% more normal, more than 14% of the risk is too high. Experts pointed out that the net loan platform of the annual rate of more than 15%, the borrower's interest will be very high, and the current corporate lending channels are very diverse, normal enterprises do not because the figure quickly to pay higher interest rates.

5, in other sites to search for investment in Peer-to-peer network loan platform has bad records;

6, through the telephone consultation or interview, to investigate the network loan company's customer service personnel have been trained professionally. This can also reflect the standardization of the Network loan platform.

Due to the existence of a number of fraudulent circles in the market for the purpose of the company, and third-party peer-to-peer companies usually in the loan to bear the deal, the borrower risk identification, default recovery, default disciplinary services. Therefore, investors should try to choose a formal, secure Peer-to-peer platform, which will be the key to successful participation in Peer-to-peer finance.