At present, the profit model of P2P financial platform is generally to provide intermediary services to borrowers guaranteed by financial institutions that cooperate with it, and charge a certain intermediary service fee.

There are many risks in P2P online loan investment and financial management mode:

1.The controller of P2P online lending platform may misappropriate or embezzle customers' funds without supervision; Or start with bad feelings and look at some defects in this industry. Get the money and run. News of running away in the industry has occurred from time to time, which has verified the existence of this risk;

2. In terms of operation, due to the small scale, high capital cost, gap in project docking, low capital utilization rate, easy loss, it is difficult to realize the promised income, which eventually leads to the loss of funds under the whole platform. The capital chain is broken and it cannot continue to operate.

3. For the project, there is no perfect risk management system. At present, mortgage is mostly used to control risks. It is risky for the platform to do its best. For example, as far as I know, there is a way to use only the original mortgage certificate as a short-term guarantee (which is difficult to guarantee legally), and to lower the risk control standard at will in order to win business, which contains great risks.

In short, with the improvement and standardization of relevant systems, such as the improvement of fund supervision, some large institutions will stand out and provide safer and more efficient products, which is worthy of attention. From the perspective of financial risk, the higher the security requirements, the higher the requirements for financial planning, financial strategies and financial skills!