What are the better P2P financing companies in Anhui and how to judge them?

A: It is understood that there are relatively few local P2P online lending platforms in Anhui Province, mainly including Rongbao, Quantum Finance, Dezhong Finance, Xin 'an Left-right Loan, Good Car Loan, Yingying Loan, Dream Ying Xing, Huanxin Finance, Sannong Capital, etc. With the issuance of the Guiding Opinions on Promoting the Healthy Development of Internet Finance by the Central Bank and ten ministries, P2P online lending platforms will be baptized, and those that fail to meet the standards will be removed from the shelves.

So how should Anhui investors choose a reliable P2P platform?

Bian Xiao made three suggestions:

First of all, it depends on the background strength of the platform. To judge whether a platform has the strength, we should pay attention to the following points: registered capital, establishment time, financing situation and so on. Compared with 20 platforms in Anhui Province, it focuses on the team strength and background strength of the company.

Second, it depends on risk control. At present, P2P platform has no prepayment mode, guarantee mode and risk reserve fund mode. Before investing, you need to fully understand the operating mode of the platform. If there is a guarantee, it is also necessary to verify whether the guarantee company is reliable, as well as the quality of the imported target, the transparency of the target details, and the guarantee terms.

Finally, it depends on income. According to official regulations, the interest rate of private lending can be appropriately higher than that of banks, but the maximum interest rate should not exceed four times that of similar loans of banks, that is, 24%. At present, the average yield of P2P online lending platform is around 15%. P2P platforms with a yield of more than 24% or too many seconds should be careful.