This is the most common investment product and the most classic model of P2P. That is, there is a one-to-one correspondence between investors and borrowers, and such loan projects can be roughly divided into two types: credit and mortgage. As the name implies, credit loan is a platform to evaluate the borrower's personal credit, so as to determine how much to lend him, while mortgage is to leave collateral at the same time, usually a house and a car. If the loan project has bad debts, then the borrower will take the collateral to pay off the debts.
According to the Interim Measures for the Management of Business Activities of Information Intermediaries in Peer-to-Peer Lending issued on August 24th, 20th16th, investors need to pay attention to the following information in the project: basic information of borrowers, basic information of financing projects, risk assessment and possible risk results, and the use of funds for matched and unexpired financing projects.
In addition, some platforms will upload some copies of the borrower's documents. With this basic information, we can make a lot of judgments. According to the graphic information, we can carefully compare whether the information is contradictory and whether the relevant documents are shoddy.
Careful investors may find that this information is not fully disclosed. Yes, according to the information disclosure rules, some information platforms have been desensitized to protect the identity information of borrowers. However, there are also platforms that take advantage of protecting borrowers' information, but they are actually self-contained. For example, if the platform falsifies the borrower's information and opens another bank account, the investor's money will easily flow into another account on the platform.
Debt package
At present, various platforms have more or less launched various plans and fixed deposits. The specific lending platform was not disclosed when the project was opened, but the investment target was a debt package composed of some high-quality claims screened by platform risk control.
The information disclosed by this kind of products is vague, and the creditor's rights are not listed one by one in the product attributes. Investors may not be able to find the specific flow of funds in the details of creditor's rights. Is this model compliant? The new regulations do not explain this many-to-many model of multi-investors to multi-borrowers.
For investors, the charm of such products is that they don't have to bother to identify every loan project, and they can really manage their finances while lying down. But this convenience comes at the expense of investors' right to know. They don't know where the money went and how to divide it.
Finally, the wealth planner tells you some tips to judge whether it is true or not, which can be judged by the following six paths:
First, see if there is a clear financing party and the purpose of borrowing.
Second, see if the number of borrowers on the platform is very small.
Third, see if there are many borrowers circulating loans on the platform.
Fourth, see if the platform has a complete risk control process for real loan projects.
Fifth, look at the frequency, amount and bidding speed of the platform.
Finally, it depends on the openness of the platform to project information.