A, enterprise qualification and team strength:
Including the establishment time of the platform, relevant certificates of the enterprise, ICP filing of the website, background of the management team, registered paid-in capital, whether it has its own technology research and development team, annualized rate of return, etc. Usually, the formal P2P platform business-related licenses are complete, and the annualized rate of return is generally maintained between 12%- 18%.
Second, the platform guarantee mode:
At present, there are three modes of P2P platform: self-guarantee mode, third-party guarantee mode and unsecured mode. The third-party guarantee mode is the best. Once the financier defaults or is overdue, the third-party guarantee company will be responsible for compensating the investor. This model is currently trusted and respected by mature investors.
Third, the flow of funds for the platform:
The essence of P2P is to provide intermediary services, and it should not involve transactions. The reason for the cash withdrawal crisis is probably because the company diverted the customers' deposited funds for its own use or for other purposes. In order to avoid such risks, most compliant P2P platforms choose to cooperate with third-party payment platforms. In the third-party hosting mode, each user must have two accounts, one is the P2P platform account and the other is the fund account of the fund custodian.
Fourth, check the legitimacy of P2P online lending companies:
First of all, we should verify the authenticity of the platform, including the real business license, enterprise organization code, office address and real information.
Nowadays, many P2P platforms without fund custodians will claim that they have third-party funds to confuse people, so it is necessary for P2P investors to learn the above four identification methods.