We can consider whether the online finance company is reliable from the business itself.
One of them, is the company doing something beyond its power? It is a common problem for many companies to promote risk control again. Many users only pay attention to high returns and ignore risks.
Second, does the company set up a fund pool? Many P2P companies adopt the fund pool model from the perspective of interests. In the immature market, enterprises are prone to fiddle with the fund pool, and the liquidity of funds is poor, so they can't bear the huge changes in the market.
Third, is the enterprise collection system perfect? Under the current employment environment in China, the lack of credit information is very serious. In order to win users, many enterprises deliberately reduce their control and breed many potential risks.
To sum up, it is safe for online financial enterprises not to set up a pool of funds, but to make up for the imperfection of the collection system and the expansion without quick success, at least in the business model.
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