1. Online loan risk. As a legal citizen, the borrower also has privacy protection, and the platform also has the obligation to protect the borrower's privacy information. Therefore, investors are very dependent on the risk control of the platform. However, the cost of risk control is quite high, second only to the cost of customer development. Therefore, to look at the risk control strength of the platform, we must first look at the strength of the company. In addition, the comprehensive quality of the risk control team is also very important. If the risk control team involves the interests of borrowers, it will also affect the safety of investors' funds. So this is also a test of management means and management ability.
2. Online lending is an effective tool to promote capital flow. I believe that regulators will continue to introduce some flexible policies to regulate this industry. In addition, it is clearly stipulated that the interest rate of private loans shall not exceed 4 times that of bank loans. If the interest rate exceeds the red line, you must consider what the interest rate is made of and whether it is legal. Risks and benefits always coexist. As the national regulatory authorities have not yet issued relevant laws and regulations, the P2P financial platform is currently in a state of "stocking". However, this does not mean that all platforms are informal, and some platforms are highly self-disciplined. There are three aspects of self-discipline: whether the funds of the platform are paid by a third party for fund custody, whether the information released by the platform is true and reliable, whether the theme of the platform is too large, and whether the risks are too concentrated. First of all, due to the large number of runners, many investors will consider how to curb this situation.
3. The correct investment process should be that the investor recharges his own funds to the third-party payment platform, and the platform transfers the money to the borrower. After a certain period of time, the borrower repays the loan to the third-party payment platform, and the third-party payment platform recovers the principal and interest from the investor. In this mode, the P2P platform is just an intermediary. Platform owners have no direct funding channels. On the one hand, it reduces the risk of escape. Secondly, the borrower information published on the platform must be true and reliable. As we all know, compared with foreign countries, China's credit system is not perfect, and pure credit guarantee is not very suitable in China. At present, the general platform adopts the mortgage mode, that is, the platform guarantee institution strictly audits the borrower, and the audited information is released on the platform for investors to invest. Once there is a problem, you can repay it with something guaranteed to reduce the risk. So the information released by the platform must be safe and reliable.