is the Peer-to-peer platform reliable? Six details to tell you

Near thousands of Peer-to-peer network lending platform and high interest rate of return, coupled with dazzling security commitments, this let today's financial managers are very comfortable move but also holding currency difficult, in the risk and profit between the end of the United Kingdom How to choose? How to choose a "reliable" project to invest? The risks we speak of, There is the risk of platform fraud and running, but there is also the risk of encountering borrowers ' loan and credit.

If we pass the main Peer-to-peer platform, it can be found: the Devil in the net loan is still hidden in the old place, is in various details. In fact, a seemingly normal peer-to-peer site, as long as we look at the time to pay more attention to a few details of the problem, then we can pass clues, thus excluding the nonstandard platform.

Platform founder and executive background

The background of the founder of the platform is very important, especially the Internet financial companies, the nature of their products and risks is still financial, but they also rely on internet-style marketing and operation. And in its long-term main loan business, banks have accumulated considerable risk management experience, so in the platform of senior management, if not more than 5 years of commercial bank credit management work, it is particularly difficult to the loan business liquidity risk and credit risk of a sense of awe, at the same time, in the macro, He is not sure about the relevant policies and the nature of the country, so the platform as a general internet companies to operate, then the risk of violating the red line will undoubtedly increase a lot.

Of course, even more, there is no management team on the platform of the introduction, only a few such as team development photo, customer service busy work photos, and all the pages and other brand sites are very similar to the troupes, it is conceivable that the platform's technical level and moral standards. In short, the platform for Ceo/cro (Chief risk officer) personal information on the site is a risk concern.

The recognition of the investment community

As a professional financial person, it is not easy to fully grasp the platform's operating level and development trend, but the professional venture capitalists (VC) is the opportunity to understand the platform operation in detail, so there are independent VC investment platform generally operating risk is lower. At present, there are 7 VC investment in the domestic online platform: Point melting net, building block box, everyone loan, Pat Credit, love investment, favorable net, and pleasant loan (Yi letter).

It should be noted that very few platforms for a variety of reasons without VC investment, such as Lu Jin and Red Ridge venture.

At the same time, some independent third party websites (such as Net loan house) also regularly to the top 100 platform to make rankings, from the online time, popularity, yield and so collected a large number of data, can be used as a reference.

The rationality of interest rate

Most of the companies in China that need Peer-to-peer platform financing are mostly not highly profitable-the financial industry's ROE (return on equity) is the highest, and about 20%. Therefore, the comprehensive cost of small and medium enterprises loans is more than 20%, it is difficult to last. This critical rate is transmitted to the financial person, which is about 15% of the yield.

A period of time before a network of peer-to-peer companies to finance customers charge up to 50% of the comprehensive costs, such as the real will bring huge "negative choice", that is, only credit poor enterprises or individuals will choose to this platform financing, increased platform loan risk. This is not only a far cry from the "Pu-hui" finance it preaches, but it also forms usury and does not receive 100% of the Court's support for claims.

Some platforms are based on individual small loans, giving investors even higher yields. In the case of bank credit card thresholds already low, revolving rates of 18% (or lower by instalments), these individual clients will have a much higher risk than bank credit cards. Central bank figures show that some bank credit cards are more than 90 days overdue for more than 3%.

Project Transparency

Financial person's capital whereabouts is reasonable disclosure, this is actually a platform to identify the risk of the weapon. From the earlier stage of the escape platform, many funds to the financial people do not know, such as self-financing projects, related projects, or even false projects. Transparent, verifiable projects can not only exclude false bids, but also make the financial person to the source of repayment and risk a clearer understanding.

On the contrary, the controversial issue of a company that is under dispute and forced to "clarify" the situation when it is challenged is not (or unwilling) to disclose the investment project, its explanation is somewhat unconvincing. We believe that there is a suspicion that the borrower does not disclose and the investment that does not introduce the project has the devil to hide.

From the height of regulation, Peer-to-peer's contribution to the economy is to match the people who have the money and the people who need it, and to give particular attention to small micro-enterprises that cannot get bank loans. "Point-to-Point matchmaking" now appears to be a way of regulatory approval, so the compliance project should be transparent.

Pool of funds

If the platform has a self-built pool of funds, most will deny it – because regulation expressly does not allow it. But listen to its words more to the line: if there is a platform to provide a 20 million "financial plan", but you do not know what are the financiers or financing enterprises, which is actually "fund pool", if there is a platform can "intelligent bid" to save your choice of the bitter, it will undoubtedly mean that the platform can control the pool of funds.

Why is the pool of funds a red line? To be strictly said, the pool of funds that can be controlled and dominated by the platform is risky. Its formation at first is to solve the problem of the term mismatch, in the continuous project to come in, and continue to find the financing of the assumption that the fund pool can better match both ends of the demand. But the risk is that as long as there is a failure, such as its own funds have been sent out, but did not find follow-up investors, the platform immediately plunged into a huge crisis. At the same time, once the platform to control the pool of funds, carrying money to run more convenient.

In short, the platform that allows you to "live" at any time by investing money is in the pool of funds.

Security and safety measures

The guarantee company is still an indispensable factor for the platform in China, but ordinary investors do not understand

The guarantee company strength is good and bad, in the compensatory time faces the very big risk, therefore "sees guarantees namely the loan" the platform to have the big risk, and dozens of guarantee company "cooperates" the platform also to be affected by its short board. There are also a number of peer-to-peer companies, the group background is very strong; but look at the small print you found that the platform billions of of the loan guarantee is actually registered capital of only 100 million of the financing of the guarantee company.

Recently, some state-owned provincial-level guarantee companies have joined the ranks of Peer-to-peer guarantees, most of which have been given a AA to AA rating by five major rating agencies. Their presence provides investors with more secure protection.

In order to give money to everyone with a "bank-like" sense of security, very individual platform for a different way, simply called XX BANK, so I did not expect, incredibly someone to invest in it.

Although irregular peer-to-peer has gradually begun to be cleaned up, the thousands of Peer-to-peer platforms will not disappear overnight, only more insidious. Hope that through the above methods, can help investors quickly eliminate a lot of "unreliable" net-loan companies, better care for your wallet.