First, is user information security guaranteed?
The information security of users is a very core and basic thing for a financial company. At present, the most advanced technology at home and abroad is the website SSL data encryption technology, which can not only guarantee the network security of users to the greatest extent, but also provide a single security insurance premium of 300,000 yuan provided by OV international certification.
Second, can the enterprise background stand the test?
Whether a platform has a reliable background and strength is one of the criteria to measure whether a financial platform is professional. Online lending platforms are mixed, divided into banking department, listing department, state-owned assets department, private equity department and venture capital department; Strong innate advantages will make many grassroots platforms unable to PK in the same order.
3. Is there any third-party fund custody?
In order to prevent online lending institutions from setting up a fund pool and fraud, embezzlement and misappropriation of customer funds, and enhance market confidence, the Measures stipulate that customer funds and self-owned funds of online lending institutions should be managed separately, and banking financial institutions should implement third-party custody of customer funds.
Third-party fund custody means that the user's funds are managed by a third party, and the platform is only responsible for the information of both borrowers and borrowers, and does not touch the user's funds. The selection of banks as third-party custodians by the mutual fund platform will ensure the safety of investors' funds to the maximum extent, and the investment funds of users will be uniformly and independently supervised by banks, so as to be truly transparent and secure and ensure the healthy development of the online lending platform.
4. Is the platform information made public?
Relevant experts believe that the degree of information disclosure of the Internet financial platform is related to the success or failure of the risk monitoring and early warning system. As an information intermediary platform, information disclosure on the platform is an essential requirement, which helps users to judge the platform and the target, and is also conducive to risk monitoring and early warning. Whether the target is true, whether the capital flow is transparent, and whether the platform has no fund pool, investors need to polish their eyes to identify.
The risk of internet finance is related to ecology, and constructing a reasonable ecological environment is the basis to ensure the safety of common funds. 10 On June 35438+03, the General Office of the State Council officially issued the Notice on Printing and Distributing the Implementation Plan for Special Remediation of Internet Financial Risks, which showed the determination of the regulatory authorities to speed up the remediation work. At present, the special rectification of Internet finance has completed the stage of information investigation and responsibility definition. 20 17 in the first quarter, the special rectification of internet finance will enter the final stage. It is foreseeable that the whole industry will enter a new round of reshuffle, the illegal compliance platform will be gradually eliminated, and the industry environment will be further optimized.
Verb (abbreviation of verb) platform interests are in line with the law.
According to the law, the annual interest rate below 24% is protected by law, and the annual interest rate above 36% is invalid. Under normal circumstances, the platform interest rate should be within 2% of the monthly interest rate. If the fees charged by the platform are excluded, the return rate of the platform to investors should be within 1.67% per month, that is, annualized 20%. The higher the quality of the platform, the lower the return. Those platforms that run the road often attract investors with high returns. Investors should establish a correct investment concept, and high returns will inevitably mean high risks. On the premise of evaluating your risk tolerance, make reasonable investments and don't be blind.
VI. Target Structure and Transparency Analysis
Optimization: platform based on small amount pledge and mortgage target;
Secondly: micro-loan standard is the main platform;
The third is the medium and large amount pledge mortgage platform;
Finally: a platform based on medium and large credit standards.
Car mortgage should be the first choice for small amount pledge and mortgage, followed by house mortgage, A real estate (original two certificates, identity marriage certificate, other items, loan contract, sales agreement, entrustment certificate, payment receipt, B vehicle (car photo, driving license, registration certificate, invoice, ID card, insurance policy, loan contract, vehicle transfer or sale agreement, old motor vehicle transaction application form, entrustment certificate), and this.
Micro-loan standard as the main platform can also be considered. Generally speaking, a single loan requires less than 20w, providing local income, social security certificate, residence, relatives information and other contents. Even if this standard is overdue, it is easy to pay in advance, which has the characteristics of decentralization, localization and easy collection. For example, the cabinet loan in Shenzhen has this feature.
The medium and large amount of mortgage and credit target are basically contrary to the above analysis, and it is suggested to avoid it moderately, but this is not absolute, and we need to refer to the platform and the boss's ability to advance. The size of the goal is relative to the strength.
From the perspective of transparency, payment orders must be published, and payment orders may not be published (the platform cannot control borrowers).
Seven. Analysis of platform operation capability
The operational capability of the platform is also very important, and it is suggested to examine it from the following dimensions:
1: Is there still time for bid opening? Personally, I am opposed to the time of bid opening, especially when it reaches a certain scale, which will make the platform capital chain tighter and tighter;
2. Is there any big data analysis on the investor structure and amount of platform activities? The activities of the platform are definitely to stabilize most of the funds and attract new funds, so it is necessary to do a big data analysis on the platform as a whole to generally reduce the hedging risk of large-scale capital outflow;
3. The platform should make arrangements for the investor structure and reasonably arrange the capital proportion structure of large households, middle households and retail investors. Individuals tend to be olive-shaped, and the ratio of 3:4:3 is relatively stable. The adjustment method is to adopt the contents of contract award, pending award and ranking award.
Eight. financial analysis
Financial analysis is actually a very professional analysis, which is simply:
1): To get the real financial statements, it is best for the enterprise to report them to the local taxation bureau, and the general profit will be low (this requires investors to have contacts);
2): Pay attention to the long-term and short-term liabilities and repayment ability of the enterprise, and suggest that the current ratio should not exceed 2: 1, the quick ratio should not exceed 1, and the asset-liability ratio should not exceed 50%;
3): Gross profit margin is generally not recommended to be lower than 20%, which is linked to the industry.
If the boss industrial company suffers from abnormal debt losses all the year round, no matter how excellent the platform looks, it will undoubtedly fill the hole.
Nine, employees' financial experience and reserve funds.
The financial industry is very different from industrial companies, even the opposite. Financial-related industries need to be cautious, take a smaller step and scale. Therefore, risk control personnel must have the experience of banks, financing guarantee companies or small loan companies, and cannot be a platform for pure industrial thinking, because there are not a few platforms where this problem has died (Jin Shi and others no longer name them one by one), and it is equally important to delegate power to those who do it.
Finally, let's talk about whether the reserve fund is useful. The author thinks that the reserve fund is useful. Some people may say that this is a renovation or it is already in two mortgages. It doesn't really matter. Even in two mortgage loans, the money is still lying in the boss's account. Objective existence. As long as it is overdue, it can be used to fill the hole of investors. Personally, it is suggested that the reserve fund should not be less than 65,438+00% of the total amount to be received.