1. Why choose P2P lending? Catalyzed by the Internet financial guidance, the P2P industry is gradually getting on the right track, and more and more lenders are willing to invest money in P2P financial management projects.
1. The threshold is low. Most P2P platforms start investing at 100.
The minimum investment in trusts is 1 million, which keeps most people out. After all, we are still a developing country, and there are not many people with a net worth of one million.
Private equity funds require 2 million, and the technical content is relatively high.
This is why we say that P2P is the most suitable investment method for the middle class, with almost zero threshold.
2. It is convenient and does not require signing and pressing like traditional financial management.
You can invest on the website at any time, or you can download an APP on your mobile phone to operate it. You are not limited by time and place, and you can manage money anytime and anywhere.
This is also the convenience that the Internet brings to us.
The improvement of efficiency brought by technology is particularly obvious in the financial field. The Internet financial industry has reduced a large amount of intermediate friction costs.
3. Money makes money quickly. The essence of financial management is to use money to make money. It is not difficult to invest 100,000 in P2P, and the annual return is 15%.
What to do.
If you deposit RMB 100,000 in the bank, you can calculate how much reference interest you will get after 5 years.
Be bold and try new things 2. What is the difference between a p2p lender reporting a crime and not reporting a crime?
The difference between reporting a crime and not reporting a crime is very big. The first is the time for principal recovery. Priority will be given to the case after the case has been registered and officially recovered.
If the crime is not reported, the authorities will handle it, but the investigation will take longer.
With so many lenders, how many police forces can the official dispatch to contact you?
Not only is it too late to recover, but it is also a waste of national resources.
So this alone is enough for you to take the initiative to report the case. Whether the case is pursued or not is one thing. Whether the case is pursued or not is not affected by you. If the case is recovered, it can be dealt with as soon as possible, which is great.
Another point is that after the borrower repays the loan, he cannot find the corresponding lender.
It doesn't mean that it can't be found all the time, it will take a lot of time to investigate.
If you register, you will form a closed loop with the borrower, making it easy to be prioritized.
It may be a little difficult to understand. We first need to understand the official recovery process. In addition to collection and collection, there are also some police forces to handle these matters.
(Be sure to be careful here and beware of telecommunications. It is difficult to distinguish between real police and telecommunications because scammers are professionally trained.) Because Hangzhou is a P2P-hit area, there is an exclusive inquiry portal for online loan debtors on the Hangzhou police official account.
, there will also be designated corporate repayment methods.
Debtors who repay in this way need to spend a lot of time matching lenders, and the process is extremely complicated.
If the lender takes the initiative to report the case, as soon as the debtor repays the debt, the lender will be contacted immediately.
Very helpful in debt recovery.
In summary, to sum up, it is beneficial to the lender to report the crime. Otherwise, it may take several years to recover the loaned funds, or even if there is an omission and it is forgotten, it will never be recovered.
Not reporting the crime is irresponsible to oneself.
3. Why do lenders need to conduct a risk assessment when choosing a p2p online lending platform?
P2P Internet Lending Risks (hereinafter referred to as the "Rectification Office") issued the "Notice on Rectification and Acceptance Work"), which clarified the issue of creditor's rights transfer, which is carried out at a low frequency among lenders.
In other words, robo-advisory systems for this purpose are also allowed to operate.
If users choose the robo-advisory system, they must complete the assessment of personal age, financial status, lending experience, risk preference, risk tolerance and other items in accordance with system requirements, so that the system can pass various accurate risk assessments and match users with suitable
asset.
The risk assessment questionnaire is a qualified lending experience, risk awareness level, and risk sensitivity. It considers a lender's subjective risk data from multiple dimensions and uses machine learning to create a lender's objective strength assessment model. The two are related.
Combined with the user profile after completing the refined and accurate risk assessment of the lender, the lender will select the answers to perform the risk assessment after completing the questionnaire, and provide participants with accurate risk tolerance types, risk tolerance types, and recommended assets with different risk levels.
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Through the risk assessment of lenders, we can have a clear and correct understanding of our own risk tolerance.
Therefore, it is particularly important to choose a good product. Just like the Dehong Financial Intelligent Investment Advisory System Honglibao, the Jirong model uses theoretical strategies such as intelligent algorithm combination optimization and matching according to the lender's risk tolerance level, style preferences and other requirements.
It is a relatively cutting-edge p2p online lending platform among the platforms that enable lenders to obtain integration and development as the leading force through the transfer of creditor's rights.