In P2P industry, the annual interest rate of financing is 15%-22%, which is much higher than that of banks. Will high interest rates be unsafe?

The interest rates of most P2P platforms are much higher than those of banks. Generally, the loan term is 1-3 months, and the target of 15% is the safest.

In addition, the survey platform is not just about interest rates.

The longer the underlying borrowing time, the higher the risk.

The higher the interest rate, the shorter the borrowing time and the higher the risk.

Choose a reliable high-interest platform.

Take a look at interest rates and eliminate those platforms whose interest rates are lower than their own standards or ridiculously high.

Second, look at the workmanship of the website. Looking at the website mainly depends not only on its aesthetic degree, but also on whether it has a dead chain, whether the jump traffic of each link of the website is smooth, whether ICP is put on record, whether the domain name is intentional, whether the PS trace of the displayed picture is obvious and so on. , eliminate the platform with rough workmanship

Third, look at the online display inspection, mainly looking at the materials displayed online on the platform, such as business license, partners, loan information, office environment, team introduction, boss strength display, etc. The more detailed the better, especially the loan information, it must be detailed enough and meticulous enough to prevent the opaque platform displayed on the Internet.

Fourth, look at bad records, mainly to inquire whether the platform has bad information exposure and whether the legal person has execution records. , eliminate the platform with impure purpose.

Fifth, look at online data evaluation, platform interest rates, and platforms to be collected, and issue scalars every day. According to my rough estimate of the boss's strength and the opening time of the platform, judge whether the current interest rate, the amount to be collected and the daily scalar are reasonable.

Give you some reference in platform selection.

1, if the new platform hardly cuts interest rates within a few months after it goes online, please eliminate it when the income soars and the contract remains unchanged.

2. The old platform that has been established for more than 6 months is still rising, and there is no stable trend. Please eliminate them.

3. If the interest rate of platform establishment hardly drops or even rises, please exclude it.

4, the scalar is not fixed every day, how to vote when the popularity is full, please eliminate it.