1. Look at the background: first check the company's industrial and commercial registration information, and go to the government website (enterprise credit information system) to check the company's industrial and commercial information. If the shareholder is a legal person, continue to trace the legal person information, whether it is on the untrustworthy list, etc. 2. Look at the users: After the basic information is ok, start to analyze the users of this platform. Of course, this is not the user of the platform, but the user understands the platform. Enter the third-party forum and find the user base of this platform. Or ask some "heroes" who have been involved in online lending for many years about the platform. But not everyone's views are pertinent and objective. 3. Look at the executives: The general online lending platform should have the following positions: operation, risk control, business, technology, finance, customer service and collection. It is best for platform owners to have relevant experience, and executives must have experience. Someone should be responsible for the operation. Risk control is the core, with extremely high professional requirements, and must be carried out by experienced professionals. Sales staff should be the largest number in a platform. Customer service is the most we usually deal with, but in fact, customer service does not need a lot. Suppose a platform has a lot of customer service, no risk control and salesmen, and the business risk control depends on the boss, so we must be cautious. 4. Look at the target: When the general website issues the target, it will also release relevant loan information. However, for reasons of trade secrets or protecting the privacy of borrowers, the uploaded information will be mosaic, and a lot of information will not be made public. However, if the information uploaded is too small, and each target uploads the same information, it needs special attention. 5. Look at the data: Many online lending platforms have published information such as loan balance, transaction volume and registration number for reference, but we must learn to look at the data and distinguish effective information from useless information.
Finally, we should raise our awareness of discrimination, keep our eyes open, and don't fall into the trap of loans and gambling.