P2P network credit platform to establish credit?

As one of the important branches in the field of internet finance in China, p2p network loan is actually the earliest engaged in Internet financial format in terms of historical evolution. However, P2P network loan was previously unknown and not well known to investors. Until 2013, With the historical opportunity of the rapid rise of Balance Bao, the concept of Internet finance has gradually started to be relished by the general public. However, the net loan has thus caught the rapid development of the industry and has become a hot topic in the street for a time. In most people's general sense of view, the network credit platform has actually become the embodiment of credit, there have been investors, friends told reporters that the election platform is actually elected high credibility platform.

Although this view is logically biased, in reality it is a true portrayal of the ideas of most investors. While professionals told reporters in an interview with reporters that the so-called credit should actually refer to the credibility of the project on the platform, rather than the platform itself, this misunderstanding of the main credit is the result of the current run road Constantly the real reason.

He told reporters that the network loan platform itself is actually an intermediary platform, the use of the Internet as a carrier, to the general investor financial products released by the financiers, in this process, the platform is just a tool or channel, its own role and credit There is no relationship. However, in practice, the platform in order to attract investors, in the intermediary two words in front of credit, into a credit intermediary, which is completely different, if this operation, it means that the platform for the project Bear the corresponding credit responsibility, which is completely contrary to the function of the intermediary.

In addition to another extension of the topic is that the credibility of the platform itself how to correctly establish? This aspect is better than the completeness of the information disclosure of the project, on the other hand, the platform is more capable of evaluating the risk and controlling the risks during project introduction. In both of these aspects, at present, only some major platforms are still in place , Such as point of network integration, money and more, the network, patting loans, etc., and more small platform is not done to the agency's functions, from this perspective, the future runway, The bankruptcy platform will be more and more.