Myth 2: National Policy Protection
Macro policy, micro investors. Without policies, the platform will not close down, and the platform with poor comprehensive strength will close down sooner or later. Investors will always be protected by their own industry knowledge and investment experience.
Myth 3: You can't tell investment from speculation.
The key to investment and financial management is knowledge, experience and mentality. P2P financial management is just a kind of financial management, and investors can't expect to get rich overnight. Steady financial management and sufficient returns can last for a long time.
Myth 4: only look at the benefits, not the risks.
Recently, P2P running events have occurred frequently, and some platforms show 30%-40% returns. Investors are attracted by these returns and ignore the potential risks of P2P online loan financing. As I said just now, only when the interest rate is less than four times the loan interest rate can it be recognized and protected by the state.
Myth 5: Low interest rate is safer than high interest rate.
Judging the quality of a platform can't be judged only from the interest rate of the platform. There is no absolute relationship between interest rate and platform security. Of course, platforms with too high interest rates are definitely not reliable. The interest rate depends on the loan project, and the interest rate of different projects will naturally be different. What does P2P platform rely on? Some people think that the foundation and risk control ability of the platform are particularly important. The key to judge whether a platform is safe is the ability of risk control.
Myth 6: There is no difference between P2P financial platforms.
There are two kinds of P2P platforms, one is credit loan and the other is mortgage loan. Personally, I think the platform of physical mortgage is relatively safe, and I hope investors can refer to it.
Myth 7: The bigger the platform, the better.
There will never be perfection in this world, and there will never be absolute good and bad. Everyone must remember that specialized platforms are always more competitive than large and comprehensive platforms.
Myth 8: The more gorgeous the platform page, the better.
Gorgeous platform can only show that the art technology of the website is first-class. Choosing P2P financial management depends on the risk control system of this platform, not just the beautiful appearance of the webpage.
Myth 9: Long-term platform operation safety.
The outbreak period of non-governmental lending bad debts is generally in June, 65438+February and 65438+August, and the economic cycle fluctuates in 3-5 years. Now the market economy environment is actually not very good. Every year after 10 is an important period for people to make money and panic. At present, no platform has completely experienced the economic recession.
Myth 10: Quick cash withdrawal is a good platform.
Some people think that this is also a big misunderstanding. Being able to withdraw cash quickly just shows that this platform is not strict in controlling the flow of funds. A good platform and cash withdrawal process can not only ensure the security of capital accounts, but also not delay customer demand.
Myth 11: I think the platform model is the most important.
Many people will think that the platform model is always more important than risk control and collection. Then let's give a very simple example. The borrower borrows money on the platform and mortgages the house at a price of 50%, but what if the borrower can't buy a house without returning the house? Among these factors, the economic environment is the first, the loan method is the second, the risk control is the third, and the collection is the fourth.
Myth 12: I believe in the commitment of the platform to protect capital and interest.
Let's not talk about the authenticity of the platform's commitment to protect capital and interest. Even if it is true, it is not as good as people, and everything in the future is unpredictable. Even the safest bank wealth management products and funds only promise expected returns when they are sold. How reliable is the commitment of the platform to protect capital and interest?
Myth 13: A popular platform is a good platform.
Word of mouth of investors is the cheapest marketing and the most effective communication. The popular platform may be a marketing method adopted by the platform, and what you see may be just an illusion.
Myth 14: superstition is keen on celebrity effect.
No matter what industry, they are keen to invite celebrities to do publicity, which is the so-called celebrity effect, but in the field of financial management, celebrities are not operators and cannot bring you high returns. As a qualified P2P investor, after understanding a platform, he should fully understand the boss, background, mode and risk control of the platform, instead of blindly favoring the star effect and losing his self-judgment ability.
Myth 15: Too much trust in external analysis and recommendation.
Many investors don't know much about P2P, lack confidence in themselves and rely too much on rating parameters, data analysis and celebrity recommendation. In fact, only you know whether the shoes are suitable for you, and the investment that suits you is a good investment. It is a good way to find your own analysis platform method.
Myth 16: too much trust in the platform survey
The survey is static and the platform is dynamic. Trust data analysis too much. If you believe data, it only means that you don't understand China people. The result of online lending always takes precedence over data.