Contradictions are ubiquitous, and everything has two sides. While Internet finance brings convenience to social development, it also has inherent risks. What are the risks of Internet finance?

First, there are operating risks during economic downturns. When there is a downturn in the real economy and an uptick in financial risks, it becomes more difficult for small and medium-sized enterprises to operate, and the possibility of debt defaults increases, leading to a decline in the quality of the main assets connected to Internet financial platforms, and an increase in overdue and non-performing rates. At the same time, general investor sentiment and market expectations have increased in volatility, and capital flow instability has increased, which has continued to increase platform operating pressure.

The second is the transformation risk during the compliance transformation period. During the process of compliance transformation, some institutions tried to continue operating. However, due to irregular operating behaviors such as maturity mismatches, capital pools, and large-amount targets in the early stage, the accumulated risk exposure was large, making the transformation difficult and unable to A smooth exit may cause social problems and financial risks.

The third is the secondary risk in the risk disposal period. Currently, the special rectification of Internet financial risks has entered a clean-up and rectification stage. Due to the strong stakeholder nature, cross-cutting nature, and contagiousness of Internet financial risks, the risk management process may produce chain reactions across institutions, regions, and markets.

The Huiquandai platform operates in a standardized manner with the support of national policies. At the same time, it has strict requirements on itself and is steady and steady at every step to provide users with a compliant and standardized investment environment. Through the project sources, risk control system and brand advantages of Qingdao Urban Investment Group and its holding subsidiaries, we use the "O2O operation model" to build a compliant, stable, reliable and standardized bridge between small and micro enterprises and investors.