The quality of assets is not high; The platform does not have enough self-owned funds to deal with overdue non-performing advances. Before these two premises, there is a bigger premise: it is really difficult to face it directly when starting a business for diaosi in the early years. However, when the industry develops to 20 17, on the one hand, the involvement of a large number of venture capital provides relatively rich liquidity for many platforms. On the other hand, with the further penetration and upgrading of the asset side, the ability of the asset side of the mainstream platform is not worse than that of banks, which is not the same as the initial "private usury" in the early years. The phenomenon of fund pool is not "difficult". From the perspective of investment:

1. Even if the implementation of bank depository is in full swing, the phenomenon of diaosi grassroots platform in the market is estimated to be more common. One is the weak ability to choose assets, and the other is the weak financial strength and the need for liquidity. Reality is over there. There is no guarantee that something will happen to the fund pool. Wild lilies also have spring. Grassroots platforms also have the advantage of relatively high interest rates for investors. As an investor, at this time, your main consideration is whether the risk is worth taking. If you are willing to take risks, consider further: what is the actual quality of its asset side.

2. Try to choose a platform with strong background strength and competitive business norms. Strong background strength, mainly depends on the controlling party. For P2P, it is very important to have free funds to deal with the advance and liquidity risks within the platform.

Business norms are competitive, and only by taking the right path can there be great prospects. What determines the business is the concept and vision of the operation team. So uncle Wang will always support the elite team. P2P seems to be just lending, as if anyone can. But it is not as simple as lending, or lending is only the simplest part.