What are the online P2P loans?

The first category is P2P of the banking department, that is, P2P platform controlled by banks. With the bank's credit and the source of assets, the risk is extremely low.

Representative platforms: Minsheng Easy Loan, Xin Kai Loan, E-Finance E-Loan, Xiao Su Helping Customers, etc.

The second category is the P2P platforms under the big groups, namely, the P2P platforms under the giants such as Sina, Ping An and Sunshine Insurance, which are well funded, standardized in operation and close to the trust.

Representative platforms: Micro Wealth, Jin Lu Service, Huijin Institute, etc.

If you want to invest in P2P, you must do your homework and choose a reliable platform and a reliable project to reinvest. Mainly consider the following factors:

1, who founded this platform;

2. How is risk control done?

3. What is the target amount (the lower the better, the maximum is not more than 1 10,000);

4. Interest rate range (10- 15% is reasonable, and you should be vigilant above this value);

5. How transparent and so on. ? Like * * * Win Club, Fuguiniao Group has a strong platform background, and cooperates with Yibaili, one of the three largest credit reporting companies in the world, to conduct strict rating and reduce risks; The principal and interest guarantee of the guarantee company; 50 yuan Investment Platform has an annualized rate of return of 9- 15%. At present, you can get a novice red envelope and a free experience fee of 10000 yuan.