The perimeter of the platform interest rate.

Morning News Peer-to-peer recently run a frequent incident, but also peer-to-peer network lending to the focus of public attention. Originally to help small micro-enterprises and personal financing peer-to-peer began to suffer from a lot of questions, how in the dazzling peer-to-peer market to choose a good quality platform for many investors are the most concerned about the issue. Yesterday, Silver Guest NET President Lin Emmin said, the annual rate of more than 18% to carefully consider to avoid potential risks.

In fact, in the entire Internet financial industry, the excellent Peer-to-peer platform has always been a rigorous self-discipline and risk control work, but in the face of a large number of peer-to-peer, to distinguish risk, for ordinary investors remains a problem.

Lin Emmin that investors should first understand the platform and its founder of the relevant biographical information and corporate registration background, followed by the project background, the borrower background and the platform published by the relevant data audit, focusing on the analysis of the platform's wind control mode, do not believe too high interest rates, high returns of the propaganda information, The annual interest rate above 18% should be carefully considered to avoid potential risks.

"Secondly, it is important to choose a Peer-to-peer platform to cooperate with the financing guarantee Company, because the financing guarantee Company is under the jurisdiction of the local financial bureau and is the first guarantee of risk." "Lin Emmin that investors also have to judge whether the platform is independent intermediary nature, and must have a fund custodian account system, these key points can effectively guarantee the relative security of funds."

To silver passenger network for example, each loan project is guaranteed by a specific financing guarantee company or a small loan company, if a project has a natural default, it will not affect the other loans on the platform, at the same time play the role of security mechanism, to ensure the safety of ordinary investors. In the area of fund-hosting, the Bank and the world to pay cooperation, the common development of the use of fund-managed systems, by the world for each silver customer network for each customer to open a fund hosting account, the platform side no matter when the funds can not be used to effectively ensure the security of the user funds. In addition, the reporter learned from the silver passenger network, each phase of the project annual rate of return control between 12% to 15%, more robust.