At present, p2p financial management is not perfect and there are many risks.
Peer to peer loan
To put it simply, the structure of p2p financial management is the money deposited by investors. A company acts as a third-party intermediary and lends it to people who are in urgent need of money (usually borrowers with good credit) by using e-commerce professional network platform, and the income comes from high interest. If the company is formal and reliable, the income of P2p financial investors is considerable.
However, if the borrower's credit is bad and the money is not paid back, the company as a third-party intermediary will not bear any responsibility. It is very important that the relevant laws and regulations are still not perfect and the standardization of the industry is lacking. As a third-party intermediary, many companies have no formal operation and take investors' money to run away. Such things are not uncommon.
The following four risks of p2p financial management
1, the information of p2p platform (the third-party intermediary to establish loan relationship) is not true, because it is realized through the network, and neither investors nor lenders can determine the true face of this company.
2. Some p2p platforms have no professionals in the industry and have no professional ability to control risks, so they will inevitably encounter dishonest borrowers, resulting in huge investment losses.
3, Ponzi scheme, this is pure fraud, false propaganda, fake contracts, under the guise of "high income", step by step for investors.
4. The relevant laws and regulations are not perfect, and p2p is basically zero supervision, so the risk is great. On the one hand, p2p companies are not standardized, and secondly, once policies are introduced, some p2p companies will inevitably close down.