1, operational risk 2, bad debt risk 3, overdue risk 4, liquidity risk 5, policy risk
The following are five risks:
First, the risk of running: the platform disappeared. Definition: This is the biggest risk and the most common risk in P2P industry. The essence is that after the platform defrauded investors of huge amounts of money, the players disappeared, making investors want to cry.
Source of risk: This kind of risk is generally caused by the people who build the platform. They originally came to cheat. They often attract customers with high interest rates, and most of the projects are fictitious, so the attracted funds will be transferred and fall into their own pockets.
Precautions: According to our observation, this treadmill can actually be identified from some surface features. For example, the website is very cottage; The introduction of core teams is very low, and the level is generally not high; Often give high interest rates to attract people; The information disclosed by the project is simple and lacks supporting documents; Did not do fund custody; The operation time is short.
If you have the above characteristics, you must be vigilant. Don't vote, the risk of running away is extremely high.
Second, the risk of bad debts: the borrower cannot repay the money.
Definition: Bad debt risk means that the platform raises funds from investors and then gives them to a borrower. As a result, the borrower is unable to repay due to various reasons, such as the bankruptcy of the borrower's enterprise.
At the same time, the borrower has no collateral to dispose of, or although there is collateral, the collateral has been given to others. In terms of repayment order, we are the last one. At this time, the risk of bad debts is established. That is, the borrower can't repay the loan, and there is no other collateral to compensate.
Risk source: Bad debt risk is usually caused by lax platform audit, inadequate risk control and unprofessional. For example, the platform did not investigate the borrower's bank credit record in detail, nor did it go through mortgage or pledge procedures. This platform, there is no attempt to cheat, but the team ability is weak, there are no senior people in credit, and it is too aggressive! In the early stage, there have been some problems in the platforms of some very famous Internet companies, which belongs to this situation!
Precautionary measures: It is very difficult to identify the bad debt rate of the platform. Because this is a very top secret number, the platform will not publish it. The feasible way is to see where the main projects of this platform are concentrated. If they are all in the real estate field, or in the processing and manufacturing industry, the risks are relatively high.
Another way is to see if there are many overdue cases. If it is often overdue, it means that the probability of problems in the project is relatively high.
Third, overdue risk: the borrower cannot repay the loan on time. Definition: Compared with the bad debt risk, the overdue risk is much smaller, which means that the borrower can repay the money, but not at the agreed time; Or even if he can't afford it, he can sell his assets to repay it.
Source of risk: The risk is mainly due to the ineffective risk control measures of the platform, and no problems were found in the post-loan tracking this morning. For example, it was not until the day before the repayment that the borrower knew that he had no money to repay, and of course it was impossible to take any remedial measures.
Precautionary measures: Investing in P2P, overdue is sometimes unavoidable. Try to choose a professional platform with mortgage or pledge, such as a car loan platform. The vehicle has strong maneuverability and is easy to realize. Houhe Fortune is a typical car loan platform, and the risk is generally low. Credit standard investment is small or not. If a platform, partners do not have excellent credit work experience, generally it will never vote!
Fourth, liquidity risk: the money in the account cannot be defined: most P2P will give you a virtual account, which will be recharged before bidding; Repayment is also credited to this virtual account, and then cash can be withdrawn. The so-called liquidity risk means that if you mention it now and find that you can't mention it, then the platform will use various reasons to prevaricate; In the end, I really can't. I told you that the bank account is out of money and I have to wait.
Source of risk: This platform is definitely engaged in fund pool. Only by engaging in a pool of funds will this situation occur. The so-called fund pool means that your money directly enters the bank account of the platform, and then the platform allocates funds. This is an act prohibited by the state.
In this case, the platform misappropriates funds to do other things, such as misappropriating itself to stock market. As a result, the stock market plummeted in the past two days, and this pit will definitely not be filled back, making it difficult to withdraw cash or restricting withdrawal.
Precautions: This fund pool platform must be far away. The method of identification is also very simple, that is, whether there is fund custody. Whether the funds have been entrusted can be verified with the third-party payment institution! You can find it on general websites!
Verb (abbreviation of verb) policy risk: The state does not allow platforms to engage in policy risk, that is, the state has introduced a series of control measures to shut down unqualified platforms. This risk is not the main risk. Choose a registered capital of more than 30 million, do not make a pool of funds, and do not make a self-financing platform. There is basically no such risk!