How to judge whether a P2P platform is self-contained?

The so-called self-financing, as the name implies, is to finance yourself. Simply put, the actual controllers or related parties of the platform raise funds from the public through the P2P platform, or use them for the development of their own enterprises, or invest in other social projects for their own use, or for individuals to squander.

Generally speaking, the platform is self-fusing, for the following reasons:

First, the purpose of the platform is fraud. Of course, I will choose to stand on my own feet and put money in my pocket. Such a platform will generally run away when the absorption is large enough.

Second, the actual controller of the platform borrows money from the platform, invests in higher-yield projects, and earns spreads. High income means high risk, higher than P2P income, and the risk can be imagined!

Third, the platform has its own industrial company, which lacks funds but has nowhere to raise funds in its development, or the company owes a lot of debts that cannot be repaid. Therefore, P2P is established to absorb funds, transfuse blood or pay off debts for its own enterprises and affiliated enterprises. There are risks in business operation. Once the principal and interest cannot be repaid on time, the platform will break the capital chain, close down or run away.

Obviously, no matter what form of self-financing, the risk is greatly reduced, and investment must be unconditionally away.

How to identify self-melting?

Investing in P2P, no one wants to have no principal at all, and no one will take the initiative to choose self-financing. So how do you identify whether the platform is self-contained?

1. Query platform information and borrower information to see if they are related.

Generally speaking, there is a P2P connection between the platform and the borrowing company, guarantee company and fund custody company, especially the platform connected with the borrowing company, which is risky and needs careful investment.

It should be noted that some platforms deliberately change information such as shareholders in order to cover up self-contained facts. Therefore, we should pay attention to the changes of shareholders' information in the verification to avoid omission or misjudgment.

2. Judging by many parties, those who have the following characteristics are mostly self-melting.

All self-contained platforms usually have the following characteristics:

First of all, there are only a few borrowers for a single loan, and they have borrowed many times on credit, and some even have no mortgage.

Secondly, the loan information is simple and has no substantive content.

Finally, there are always several bids, and most of them are short-term bids with high interest, simple information and many similarities.