Wind control is not just a matter of peer-to-peer concern

In the net loan industry, mentions the risk control, most investor first reaction is, this is the net loan platform thing, has nothing to do with oneself. However, when we carefully analyze the current Peer-to-peer network lending profit model, we found that any profitable platform (here skip the pure fraud platform), are relying on continuous improvement of the level of wind control and services in exchange for investors and borrowers between the spreads. Even if the banks are sound, the interest paid by the common people will have to bear the risk of temporary bank failures when the economic crisis comes.

So investors should first understand that their access to net loans is mainly based on the return of the platform, the borrower's overdue risk. Because of today's vast majority of the platform to take the risk of reserves, advance, guarantee and other models, more formal platform such as new loans, money and so on, the use of the mortgage model, in the possession of more professional liquidity, the borrower is basically no problem. Therefore, the investor's wind control is mainly aimed at those who set up soon, background information is not transparent platform.

Any kind of financial management, the most risky time is often in the initial contact, because do not understand, so easy to judge mistakes, resulting in risk. In this case, the proposal to investors, can start from small, use a little money to earn experience, to familiar with the situation, to be experienced after the real investment, can effectively evade risk, improve profits. Over time, the habit of risk will not feel the risk is too difficult to control, everywhere is a crisis, everywhere is a trap. Think clearly and understand reinvestment.

The money is own, throws to which platform, first must know oneself can understand. If you know where the money is, the risks that may arise are there, and the worst is possible. If these are not clear, do not invest in Peer-to-peer network loans. What kind of platform will survive? In fact, many platforms can survive, is determined by the money of investors, are all your money elected, so everyone on their own money more responsible, the more can cast a good platform. The more you focus on risk, the more cautious your investment will be, and you'll be able to choose a more reliable platform.