First, most of them promote high returns, such as "Zhonghui Online" claiming high returns of bill financing 18%, while the annualized returns of such products in the industry are generally lower than 8%; 20 15, the first closed platform "internal and external loans", the annual interest rates of several investment targets are close to or over 40%.
Second, the original purpose of the website is not pure, similar to Ponzi scheme, attracting investors with high interest rates and short-term bids, and paying interest and short-term returns to old investors with new investors' money. Some even set up servers overseas to make money.
After closing the website and running away, even if the police file a case, it is difficult to trace it.
Third, a boss builds multiple related platforms.
Fourth, the risk control is weak, and there is no corresponding qualification or experience, which leads to "bad standard" and "poor standard" on the platform, and some are still large loans.