Which P2P platform is better now? Ha ha. P2P is the abbreviation of peer-to-peer, and peer means "peer-to-peer". ), "colleagues" and "partners" in English. It is very easy to understand the content of today's excellent teachers' lectures
First look at the platform qualification.
Basic license
The formal P2P online lending platform relies on a real and legitimate company. The first condition of a legitimate company is that three certificates are complete: business license, tax registration certificate and organization code certificate.
team member
Running a P2P platform requires many people and various abilities. The more important members of the team are General Manager (CEO), Chief Risk Officer (or person in charge of risk management) and Chief Technology Officer (or person in charge of technical team).
cooperative institution
A P2P platform with a "background" will definitely reveal its background advantages from time to time on the introduction or publicity page of the website. If the actual situation is found after online inquiry, there is nothing wrong with it. However, some platforms imply that they are "associated" with some famous financial institutions, group companies or listed companies by taking "names" skillfully; Some platforms will cheat on cooperative institutions and list some group companies or listed companies as cooperative institutions out of thin air in an attempt to deceive investors.
Secondly, check the exposure of the platform.
Now it is difficult for individuals and institutions to hide their clues on the Internet. Make good use of online search, you can find the "truth" of many platforms.
First, you can search the P2P lending platform on the search engine, and then there will be many search suggestions. Click on these search suggestions to view related discussions or comments. According to this information, ordinary investors can have an intuitive judgment on the platform.
Of course, you can't trust this information. On the one hand, some competitors may deliberately "discredit" these platforms; On the other hand, some platforms are "powerful" and can use various forces to delete negatives. At this time, we need to look at the exposure in the media.
The most convenient way to inquire about the exposure of the platform in traditional and professional media is to use search engines. Take a patient look at which media have reported on these platforms, whether the platform leaders and team core personnel often appear in the media, and whether they often answer questions about the business, security and policies of investor relations. If there are many news reports on the platform, be sure to turn over a few more pages in the search results. Maybe the previous reports are all positive, and there will be "surprises" later.
3. Is there any investment in Soso Venture Capital?
The involvement of investors is of great significance to the P2P online lending platform, which can be used as an important indicator to identify the platform for small white investors. However, investors should remember that this indicator is not the only indicator. On the one hand, there are platforms that miss large investments, but the qualifications are good; On the other hand, the knowledge representation with great investment and the target situation on the platform are the best standards.
Fourth, calculate how much money everyone borrowed.
P2P online lending platform was originally for individuals. There are many borrowers on the platform, and each borrower generally borrows thousands or tens of thousands at a time. This is the so-called small-scale decentralization principle of P2P online lending. (Of course, this principle is also tried for investors, that is, don't invest too much in each borrower, and try to invest in multiple borrowers. ) Now many platforms are still adhering to this principle.
Because it is very important to investigate whether someone on the platform borrows a lot of money continuously. Because the more money you borrow, the more difficult it is to control the risk, and the more people will participate in the investment after default.
5. How many years will the platform live?
It is not a good idea to measure the qualification of a normal platform, because new platforms are always being established, and new platforms always need a process of growth. However, for platforms that are deliberately fraudulent or poorly managed, it is generally difficult to live long. Most problematic platforms can't last for half a year, and some fraud platforms only survive for a few hours. The proportion of problem platforms that can persist for one year shall not exceed110. Therefore, newcomers to P2P online lending can choose a platform with a long history before they have enough investment experience, which can greatly avoid the collapse and escape of the platform.
The ultimate trick: don't be greedy
Greed is human instinct, the motivation of experts and the killer of newcomers! Before getting familiar with p2p online lending and finding the best P2P platform in China, investors must restrain their greed and avoid falling into the trap of high losses because of pursuing high returns.
It is recommended to go to the golden spoon. The above borrowing companies are all mortgaged by bank acceptance bills, which greatly reduces the risk of investors.
Is it better to invest in p2p platform or microdisk transaction? I have been playing p2p platform. Recently, a friend told me that the income from p2p investment and financial management is more secure than that from microdisk trading, and the annualized income from p2p investment and financial management is also very considerable. Investment and financial management, see the search above.
Which p2p platforms are better now? The online loan home has a rating. If you want to know, you can go and have a look. Recommend Ningchuang loan, which is quite good. Headquartered in Ningbo, the company was established 10 years ago. Its credibility is quite high. After the collapse of many peers, their companies can still operate normally as stable as Mount Tai.
The company's philosophy is to help people in Ningbo and other cities start businesses and create greater wealth for the interests of customers. If necessary, you can go to the website of Ningchuang Loan.
Is P2P easy to do now? P2P is a flexible way, and I use Anyi Investment. Low threshold.
I heard that P2p platform is more professional now? Has anyone made this kind of investment? Personally, I feel that Golden Spoon is a professional P2P platform, and I did it on it. The investment starting point is 100 yuan, and I can get a high return of 10- 13%, which is quite cost-effective.
Now, the p2p platforms I know are Jin Rong Loan, Renren.com and Paipai.com.. Among them, Jin Rong loan is quite good, and everyone loan and pat loan can also be used.
Is P2P easy to do now? Which platform is better? It's all the same