Why do P2P companies like to collect funds for custody?

The meaning of fund custody is that the capital flow runs in a third-party custody company, not through the bank account of the platform. In order to prevent the platform from misappropriating trading funds due to poor management, it will bring risks to both parties.

In the P2P online lending industry, the so-called fund pool means that investors' funds directly flow into the platform, and then the platform lends them to borrowers. ? Under the fund pool mode, the platform can misappropriate funds at will, so it can run away with money at any time; At the same time, the pool of funds is also the best way to cover up Ponzi scheme. One of the four red lines designated by CBRC for P2P online lending industry is "no fund pool".

All P2P platform frauds will use the fund pool model. Pure P2P platform should be peer-to-peer, that is, investors can lend money directly to borrowers, and the funds are managed by third-party institutions.

P2P online loan fund custody is the general trend of the online loan industry, and it is also one of the security measures for investors.