Whether the 1. platform is reliable depends not only on the registered capital, but also on the industry reputation. For example, Ping An Group has a better background.
2. Who is the financier? Is it an individual or a business?
3. What is financing for? ? Is financing used to buy a car or a house, or is it unclear what it is for?
4. What is the legal relationship provided by the platform? ? Whether the transfer of bonds, the transfer of income rights, or the transfer in the form of an exchange is in compliance with relevant laws and regulations, such as the 200-person limit for exchange products. Or is it a "entrusted financial management" approach similar to the semi-gray area in lufax?
5. How to ensure the safety and transparency of investors? ? Including the information disclosure of the custodian bank, the regulatory bank and the financing party, and whether there are guarantee or insurance measures.
China Internet Finance Association was first established by the Central Bank, China Banking Regulatory Commission, China Payment and Clearing Association and China Securities Regulatory Commission. It is reported that among the first batch of more than 400 members, *** 142 traditional financial institutions and internet finance companies have become candidate governing units. Among them, there are 0/9 online lending platforms, namely lufax, CreditEase, Paipai Loan, Renren Loan, Xin Kai Loan, Co-production Online, Caicai, Zhangzhong Finance, Netcom Finance, Jiufu, Dezhong Finance, Dianrong.com, Dongfang Hui, Search Easy Loan, Evergrande Jin Fu, Stickmen, Shoujin.com and Soochow. (Details: /question/4 1764522)