The financing cost of a regular private small loan company is about two points. If the annualized rate of return given by the P2P online lending platform exceeds 24%, it is necessary to be cautious. If it exceeds 24%, there will be a scary "bidding prize". When bidding, we should not only consider the income, but also consider what to do if we lose all.
2. Never touch the second mark
"Seconds" is a high-yield, ultra-short-term borrowing target issued by P2P online lending platform to attract popularity. Usually, websites make up loans, investors bid and make money. After the website is full, it will be repaid with interest. As a result, a group of investors who specialize in investing in the second target have gathered on the Internet, and they are called "second customers".
The "second mark" of some P2P online lending platforms may be Ponzi scheme, which is used as bait for investors, paying interest and short-term returns to old investors with new investors' money, creating the illusion of making money, and then defrauding more investments.
3. Resolutely do not touch the platform operated by unprofessional teams.
As an important branch of Internet finance, P2P online lending still lies in finance, and the Internet is only a means and tool to achieve its goal. Many people are mercenary. See the current lack of supervision of P2P online lending platform. No matter whether they (the team) have relevant experience and ability, they are eager to go online. Let's circle the money first. For example, Lu Ruhua, the former CEO of Zhongdai.com, said in an interview with the media afterwards: "The online loan industry has never been contacted, but some friends said that this industry is very profitable, so a platform was built."
4. Resolutely do not touch the platform suspected of self-melting.
In the past two years, with P2P online lending becoming more and more popular, many people have played the wishful thinking of P2P online lending platform-since it is impossible to borrow money from banks and the cost of borrowing money from offline small loan companies is high, why not set up a P2P online lending platform? Just pay the financial manager 10% more. Cheap and efficient. As a financial user, you must understand this truth: the "western wall" melted from you is used to make up the "eastern wall" in front. If there is no subsequent "south wall" and "north wall", your "wall" will have a "hole".
5. Resolutely do not touch the platform with too many ultra-short-term projects.
Not long ago, Zopa (UK), the world's first P2P online lending platform, announced that it would stop accepting one-year loan applications. This is not good news for investors, but for borrowers, one-year loans are actually not popular. In the United States, Lending Club and Prosper's mainstream loan products have a term of 3 to 5 years. In fact, this truth is easy to understand. For example, when we buy a car or a house, smart people will definitely choose to stage it, and the longer the period, the better.
For those P2P online lending platforms with frequent ultra-short-term financing projects, we should be particularly cautious and can tell you responsibly that this is not normal.
6. Resolutely do not touch the platform with huge financing amount for a single project.
Recently, platforms that are difficult to operate and withdraw cash, including naked fraud, have a common feature, that is, the financing amount of a single project is huge. In fact, you can think about what kind of enterprises need so much financing, but they don't go or can't go through the banking channel. We should even consider it. A small P2P online lending platform puts all the "treasures" on one enterprise and one person. In case of accidents or bad debts, does the platform have the strength to take care of everything? Does the platform have the will to cover the bottom? Is the financial security of platform investors still guaranteed?
7. Try to avoid the platform just launched.
Let's look at those platforms that have been "finished". They all have the same feature, that is, the operating time has basically not exceeded half a year, and the champion is "Fuxiang Venture Capital"-only three days. In these platforms, some closed down due to poor management; There are reasons to close down in order to make money, and what's more, it is to cheat-if time is not allowed to test, how do you know whether this P2P online lending platform is a good person or a bad person, a capable person or a mediocre person? How is it possible to know what kind of thinking the operator of this P2P online lending platform is holding in operating the platform?