Ant Jiebei, Paipaidai, Hongling Venture Capital, 365 Yidai, Renrenjucai. These are formal and legal lending platforms.

When choosing a lending platform, you need to pay attention to:

1. Determine the loan amount, term, and purpose, and select a platform that suits you and has average returns and risks. The most important thing is that the yield rate should not be too high, because the product yield rate is directly related to the economic interests of the borrowing platform. If the yield is too high, the risk is very high.

2. Compare different lending platforms to see if they have bank custody. If there is bank custody, then such a platform is relatively safe.

3. Log in to the official website of the lending platform and check the transparency of information disclosure on the platform’s official website. Lending platforms with low levels of transparency in information disclosure are not suitable for investment.

Bank lending platforms are often hailed as the most secure platforms, mainly based on two aspects. First, risk control is a bank’s specialty; second, for banks, brand building takes a long time. Accumulation over a period of time is the foundation of a bank.