1, the platform risk control is insufficient, the loan amount is large, and the default cost is low;
2, affiliated companies, friends, corporate financing, don't talk about risk control at all, the materials may be fake, and finally they can't afford the money, and they can't get to the bottom, so they have to run away;
3, self-financing, the project may be true, the information may be true, but the project funds may have nothing to do with it. The boss personally uses the funds for other investments. Because it's not his own money, he doesn't care if he can recover the cost. Typical empty-handed behavior;
4. Be responsible for its own profits and losses. The borrower is real, the project is real, and the materials are real, but it may not be related to the platform. The boss will finance his offline trapped funds online in the form of creditor's rights transfer. When his funds are collected, the investors' money will be ignored, and then he will run away or declare bankruptcy. Zhonghui Online is typical;
5. Like the fourth point, it is all true, and the use of funds is also true. However, in order to improve performance, the platform over-enlarged the loan amount, resulting in zero default cost for some borrowers. In the final analysis, I don't want anything, I don't pay back the money, and I don't cooperate with you to go through legal procedures. How long can I delay? What can you do to me? When the platform finally realized its assets, it found a net loss of 30% and investors were already withdrawing funds. Such a platform is irresponsible to itself and investors.
6, the rest is not much to say, pure fraud! ! Public enemies! !
Second, what kind of platform is relatively safe?
The first is the model, and the micro-loan model is the foundation of P2P. The basic principle of P2P online lending is small amount.