1. Third-party supervision is mainly used to isolate funds, that is, to prevent funds from directly flowing into the platform itself.
2. On the premise of realizing the separation of funds, the supervised funds (that is, the funds through the supervision account) shall be supervised by the third-party supervision institution. Whether the supervision account is a physical account or a virtual account.
3. According to the regulations of CBRC, the banking industry will not accept the fund supervision demands of P2P platform at present. If you see relevant reports, it is just hype, and it is impossible to actually operate them, because it is illegal.
4. Some so-called institutions put forward risk deposits and account inquiries. The banking industry itself is not qualified and qualified to do this business. So it's also hype, not reality. At most, the enterprise has opened an account in the bank, and the bank is not responsible for supervision.
5. There are many reasons for 5.P2P running. The biggest reason is to set up a fund pool, that is, to receive funds directly without signing a third-party fund supervision. So the supervision of third-party funds can effectively avoid this situation.
6.P2P chooses to run because the capital chain is broken, that is, there are many bad debts, or long-term income can't meet the expenses. This is a business issue, not a fund supervision issue.
7.P2P Because the project itself is a false project or a combined product project, the fund manager is only responsible for the fund situation, not for the project review, and will not be responsible.
Source of information: star financial management
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.