The trustworthy P2P platform has some characteristics, and it transmits reliable signals through many details.

First, clean.

Very few people search for negative information from the internet. I went to some authoritative websites in the industry, and there were relevant reports. I clearly told myself what I did. At present, P2P platforms are nothing more than the following categories: venture capital department, private department, state-owned enterprise department, listed company department and banking department.

The safest platform should be the banking system, with strong financial strength and risk control system. Such as lufax. However, because of security, such platforms often have low interest rates, and even many of them are similar to bank wealth management products, which are suitable for financial novices to find investment. After all, there is less income under risk.

Secondly, the venture capital platform, compared with those non-professional institutions (P2P platform like mushrooms after rain), the professionalism of venture capital institutions is trustworthy. Investment institutions are trustworthy, not because of their authority, but because they basically have legal knowledge and will not let investment touch the platform of legal boundaries. In addition, venture capital companies use their own real money.

Thirdly, the department of state-owned enterprises is similar to that of listed companies, but it is necessary to seriously investigate whether the real state-owned assets and listed companies have shares. At present, some so-called state-owned and listed company platforms still have a lot of tricks. First, the state-owned shares are pitiful and there is no actual control over the platform. The second is the state-owned shares of children and grandchildren. Because some platforms want to borrow the credit endorsement of state-owned platforms, real state-owned enterprises don't want to get involved with them, so they have to settle for the second best and find those "related" subsidiaries. Third, state-owned enterprise executives go to work on the platform. This state-owned platform has nothing to do with the actual state-owned platform. State-owned enterprise executives just hang in name and become strategic shareholders. Fourth, if it is really impossible, look for state-owned shares and buy state-owned enterprises instead. The background of the state-owned assets of the offspring is the "tea fee" ranging from 3 million to 5 million yuan per year, and the cheapest one is 600,000 yuan. Some state-owned shells have also become monopoly money-making tools with clearly marked prices.

Finally, the private platform. Although reliable, but the most need to be cautious. Only some old online loan birds dare to participate. It is necessary to examine the shareholder composition, senior management's experience and credit status, self-owned capital strength, risk control ability, capital operation ability, development and design of asset targets and so on.

Second, product experience.

Although experience is a functional word, every link behind creating a good experience is hard. There is at least one asset team, a product team, a technical team and a customer service team behind a P2P product. Every behavior of users using an Internet product has to go through a lot of research and discussion by the team. This is a very intuitive aesthetic feeling. As a senior investor, whether the interface design is comfortable or not can be perceived at a glance. You said, this is also the screening criteria? This really works. Now some scammer platforms spend tens of thousands of dollars to find outsourcing websites, which is simply shoddy. The intention to save money is already obvious. A company that aims at fraud is not in the mood to do it well. For them, instead of patiently polishing products, it is better to spend hundreds of millions of yuan on advertising to smash popularity. When you open a platform in official website, you will see "dog skin plaster" flying all over the sky. Do you dare to vote for such a platform? On the contrary, the industry competition is becoming more and more fierce, and excellent platforms spend money and energy to optimize the design. Simplicity and clarity of the website are very important criteria. They do this in the hope of attracting more investors through a user-friendly interface, so it is very important to experience a good platform in the selection interface.

Product experience has two dimensions, breadth and depth. The breadth is the number of investment product types that can be selected on a platform, and the depth is the degree of detail of each investment product.

At the breadth level, the mainstream P2P platforms on the market now will be equipped with investment products with different maturities and yields, and the investment target is innovation. Taking lufax as an example, the products include current, fixed term, online loan, fund, private asset management and insurance, which truly realizes the full coverage of financial system products. The breadth of investment products is not only the embodiment of the richness of platform assets, but also the proof of platform innovation and operation ability. The broad platform can provide users with services to meet different levels of financial needs, which is more interesting and participatory.

The depth of product experience is a more personal concept. A website with rich content will give people a full visual experience. You should know that the platform will not waste website resources. First, whether the design is beautiful, whether the product is used smoothly, and whether the interactive design conforms to the usage habits; II. Latest platform activities, platform operation reports, platform-related news, etc. ; Third, some honors or titles won by the platform, as well as related qualification guarantees, such as the first batch of members of the China Internet Finance Association, reaching a fund depository service with a bank; Four, hot-selling or recommended investment projects and the investment progress of the project, whether there is a corresponding borrower details for each investment target, such as ID card, household registration book, collateral, loan contract, mortgage contract, on-site survey photos, etc. Fifth, company profile, enterprise development, team introduction, performance report, news announcement, etc. These details are the embodiment of the professionalism and intention of the platform Internet.

Third, user interaction.

This is an important point that reflects the difference between Internet finance and traditional financial gameplay. Internet finance emphasizes the user's sense of participation, and enhances the user's sense of participation through new product gameplay, small holiday activities and even race against time. User interaction is the basic literacy of real Internet finance companies.

This concept seems mysterious, but it is actually most directly related to everyone's personal experience. P2P platforms that really interact with users always try their best to play with users at the other end of the network. Qian Shengqian's "Shark Plan" is raising funds to invest in egg futures products. In fact, futures is a relatively complex financial derivative. But through clever product design, users can play futures through simple "bullish" or "bearish", and it is 6% guaranteed. Such a product that helps users make things difficult is excellent user interaction. However, all kinds of "wealth" that are now listed as high risks by regulators at all levels are players who enter P2P from traditional finance. They play rough and know almost nothing about the internet experience, and users even invite investors to dinner. The reliability is high or low.