According to national regulations, p2p is only an information intermediary, and a strict platform supervises funds through a third party. The platform doesn't touch money, it's just a connection between borrowers and lenders.
Real P2P needs to have the following points:
First, the real offline lending business, online information should be one-to-one correspondence.
Judgment method: whether the loan information is complete, including the borrower's ID card, collateral related certificates, credit report, residential photos, etc.
Second, a strong risk control team.
The risk control team mainly does two tasks. First, evaluate the risk when approving the tender before lending. If the risk is out of control, veto it by one vote. Second, follow up after the loan, regularly understand the borrower's operating conditions, conduct on-site investigations, promptly warn of possible overdue, and stifle risks in the cradle.
Third, the platform technology is reliable and has the willingness to continuously improve the user experience.
The platform needs to have its own technical team, which can quickly respond to the needs and questions raised by investors.
Fourth, enthusiastic customer service experience.
If the customer service of a platform can voluntarily and happily work until 10 hours to answer investors' questions, it shows that the customer service is willing and willing to pay for working on this platform, then it can be inferred that the boss of this platform is good and trustworthy.
Is the official information displayed on the verb (abbreviation of verb) platform clear and complete?
As a legal, compliant and stable company, Hubei Zhongxin Yin Hui has always adhered to the foundation of information intermediary, and escorted the platform with an international vision and a large support system built by a team with decades of experience in risk control. The source of the project is clear, the bank deposits it, realizes risk isolation, and cooperates with the guarantee company to realize the lender's worry-free financial management.
So you need to have a certain understanding of the platform and the target (information disclosure and information released by the target). If you don't understand or understand, don't lend it out easily to avoid loss.
The average annualized income of Xinyinbao is 12%, and the initial investment is 100 yuan. The project source is clear, the bank is entrusted, and the experienced risk control team has achieved risk isolation. Legal, legal and stable operation for more than three years, well received by new and old users, worthy of your trust! People interested in P2P can communicate with each other.
At present, the country is making great efforts to supervise and record the P2P industry. The central bank affirmed the positive role of Internet finance, and the value of P2P needs no further speculation. At the same time, it also points out the direction for the positive development of the whole industry, that is, unswervingly support the development of the real economy and return to the grand vision of inclusive finance.
With the filing process, we believe that P2P will get better and better.