1. Platform background: that is, what the platform relies on. If it is some banks, especially state-owned banks, it is basically very reliable; Or some listed companies or their subsidiaries, this is also more reliable, because listed companies have certain protection first, and they have to go through the audit of the CSRC before listing, and their finances and profits are relatively transparent, and their operations are unlikely to violate regulations.
2. Rate of return: Most illegal P2P financial platforms have a feature, that is, they promise high returns, and many claim that they can give a rate of return of 10% or even 20%. You know, the interest on usury is only 24%. Where can ordinary people guarantee such high returns, not to mention that these platforms are profitable. Therefore, we must be vigilant when we encounter this kind of P2P financial platform with high returns, most of which are illegal fund-raising in disguise. Generally speaking, the reasonable income of the financial platform should not exceed 10%.
3. Operation mode: In order to attract new customers, the normal P2P financial platform will generally launch new customer-specific products, and the income will be higher than other products, but it will be within a reasonable range; However, in order to raise funds and collect wealth, some illegal platforms will not only accept high returns beyond the normal level, but also recruit new members by old members, and then commission them, and then the new members will pay a certain margin to buy high-yield wealth management products. All kinds of operations are basically from Ponzi scheme, so we have just contacted a P2P financial platform, so we should pay attention to its operation mode and distinguish whether it is reliable or not.
What are the reliable financial platforms?
Banks, AliPay and WeChat will not be mentioned. Everyone knows that.
Let me introduce some humanities loans that I have contacted.
In addition, there are many people who can explore and find that this financial platform, Alipay Bank's income is five times higher, but it is a regular financial product, and the principal and income can only be withdrawn at maturity, unlike the money fund, which can withdraw cash at any time. Wealth management products with relatively high returns will definitely have certain restrictions, and you should choose according to your own situation.