Why does p2p industry emphasize information disclosure? hello
Peer-to-peer is a kind of fund lending relationship between individuals. Companies will easily cause cash pools, Ponzi schemes and so on because of explaining and protecting customer information.
But P2P must be open and transparent, at least let investors know who their money is lent through this platform.
Why does P2P industry emphasize so much that information disclosure can judge the degree of risk and compliance because of transparency?
Matters needing attention in selecting P2P platform:
1, identify the strength of the company.
You can't just look at the registered capital.
Platform registered capital can be sideways.
Reflects part of the strength of the platform,
There is a high probability that the registered capital is too small and has no strength.
However, the registered capital is too large, and it may not have the strength.
We should also pay attention to the following points:
1. Is it a financial background or a financial gene?
As an important practice form of Internet finance, P2P is rooted in financial services, but the service mode is faster and more convenient. The rigorous financial background of the operation team directly determines whether the risk control of P2P platform is rigorous. In China, the more successful P2P platforms are operated by traditional financial risk control means.
2. Is the guarantee company strong?
In this way, the P2P financial platform mainly cooperates with a third-party guarantee company, and the third-party guarantee company jointly guarantees every transaction of the platform. If the borrower fails to repay the loan within the time limit, the third-party guarantee company will pay the principal and interest in full for the investor, which is the way adopted by many P2P financial platforms for security.
2. The operation mode not only determines the business content and scope of the platform, but also determines the stability of the platform.
P2P is essentially an information service platform for both borrowers and lenders, and commercial lending modes such as O2O and P2B have emerged in domestic platforms, large and small, according to their own specialties. P2P is a person-to-person lending model, and personal debt belongs to unlimited liability. P2B is a person-to-enterprise business. If it is a limited liability company, it may go bankrupt and the debt recovery will be very slim. O2O is an innovation in the P2P era, a direct online and offline model, and a relatively safe P2P financial management model. Basically, find investors online, find borrowers offline, introduce third-party guarantees or financing financial institutions guarantees, and mortgage in kind.
3. Risk control is very important
First of all, it depends on whether the platform is guaranteed by an investment guarantee company and whether the strength of the guarantee company is strong enough. Whether there is a third-party fund custody. Secondly, the total amount of funds raised by a single project is too large, whether it exceeds 5% of the total transaction volume of P2P platform. Even though many of them provide full guarantee of principal and interest, they also have their own unique risk control mechanism. It is necessary to avoid the operation of large loan funds or fund pools.
Secondly, it depends on whether the risk management ability is strong enough. Risk control mainly does two tasks. One is to evaluate the risk when the previous loan bid is approved. If the risk is out of control, it will be rejected by one vote. The other is post-loan tracking, which regularly understands the borrower's operating conditions and conducts on-site investigations.
In addition, offline collection ability is also the embodiment of risk control ability, and this criterion is mainly in:
(1) Collateral handling capacity;
(2) the coordination ability of social resources of public security law;
(3) The borrower's psychological analysis and handling ability.
4. Whether the platform is overdue and the specific situation of overdue bad debt rate.
P2P platform is to provide effective information matching services for borrowers and investors, so that investors can maximize their funds and borrowers can enjoy micro-financial benefits. In the process of matching borrowers and lenders, there will definitely be some small probability events, which are the bad debts and overdue that investors and platforms hate most. This situation certainly exists, even the most authoritative banking industry in China is inevitable.
The state has introduced relevant regulatory measures to regulate and reduce the interest of borrowers. Now, the market has lowered the RRR and cut interest rates. When choosing investment platforms and products, we should make a comprehensive and rational choice according to our own investment experience and asset status, learn more investment strategies, avoid obeying only the rate of return, simply link the rate of return with safety, and finally taste the bitter fruit of investment failure. The aging rate of the mainstream platform Dezhong Finance is stable at around 1 1% in the big market. No wonder it is loved by investors.
There are three factors that make the information disclosure of P2P online lending platform so important.
Factor 1: P2P online lending platform is an information intermediary.
As an information intermediary, P2P online lending platform connects borrowers and investors. In this process, P2P online lending platform plays a bridge role, and it is necessary to fully disclose information to borrowers and investors to match their transactions. The more information they disclose, the more they can find problems and control risks. P2P online loan information intermediary relies on information to eat. Two people I don't know are in contact on the Internet. There is no physical object, so it is invisible and intangible. If the information disclosure is not perfect, investors will have no way to judge whether the project is true or false. In other words, information disclosure is an important indicator to test the authenticity of a platform.
Factor 2: Information disclosure can control investment risks.
Many online loan investors will hear such a sentence when they enter the P2P online loan industry: investment is risky and financial management needs to be cautious. As long as there is investment behavior, there will be certain risks, and so will the P2P online lending industry. There is another saying in P2P online lending industry: risk control is king. After the promulgation of the Interim Measures for Supervision of peer-to-peer lending, it is stipulated that P2P online lending industry is an information intermediary industry and cannot engage in credit intermediary. At the same time, in this process, investors should bear their own risks. If the information of a platform is disclosed in detail, investors can judge the authenticity of the project according to the information of borrowers and loan projects disclosed by the platform, so as to understand the investability of the project and reduce the investment risk.
On-the-spot investigation is an important link for investors to inspect the online loan platform, and this link is also to control risks as much as possible. Imagine that if the platform can clearly disclose the projects that investors want to care about, it will reduce a lot of trouble, thus verifying the reliability of the platform.
Factor 3: Information disclosure of online lending platform is convenient for supervision.
The online loan supervision method clearly points out that the P2P online loan platform needs to disclose the platform project information and the borrower's situation. In other words, the platform needs to disclose what is the national standard, and has a unified reference, which is relatively easy to achieve.
After the platform information is disclosed, investors can screen platforms according to the information disclosure of each platform, and choose the platform that suits them by comparison. At the same time, the data disclosure of the platform is convenient for third-party audit institutions to verify the report and give opinions.
In short, the information disclosure of P2P online lending platform is the general trend. With detailed information disclosure and reference standards for investing talents, we can choose projects that are more suitable for our investment. Information disclosure is necessary for the online lending industry as an information intermediary, which gives investors sufficient information to judge the online lending platform that is more suitable for them.
Geometrical finance
Why the p2p industry needs a high-standard information disclosure mechanism is mainly to make investors' funds safer.
After disclosing the information, we will know where the funds go and how the company operates.
Why does p2p online lending insist on information disclosure? Information disclosure can reveal the authenticity of the loan. Judging from the draft, it is basically responsible for future risks, so
Information disclosure is necessary.
What are the most important information disclosures of P2P financial platform? 1. Operating company.
Setting up an operating company of P2P platform is the first priority. Before understanding the platform, we must understand the situation of a platform operating company. The most direct way is to go to the website of the national enterprise credit information publicity system. Among them, special attention should be paid to the registered capital, legal representative, investor (shareholder) information, business license, tax registration certificate, organization code certificate and account opening certificate. Compare the information available on the publicity system with the information published on the platform website to see if there are contradictions or other problems.
Second, the platform information
As mentioned above, the information on the platform should be consistent with the information found in the publicity system. In addition, investors need to pay attention to whether the platform has an introduction about the senior management team, entrepreneurial team or expert team, and how capable it is. An executive team plays a very important role in operating a platform. On the basis of moral supremacy, the senior management team needs strong financial expertise and has a good grasp of investment and financial management. At the same time, it is also necessary for executives who are good at risk control to fully navigate for investors and make a platform to give investors a safe and secure investment channel.
Investors also need to pay attention to which cooperation institutions the platform cooperates with and how strong the cooperation institutions are. Whether to cooperate with third parties or banks in fund custody to ensure that the platform cannot touch investors' funds and form a fund pool; Whether to cooperate with financing guarantee companies to supervise and audit loan projects to prevent the possibility of self-integration of false loan projects and platforms; Whether to cooperate with credit reporting agencies to further improve their own risk control system and provide better security for investors.
Investors also need to pay attention to the operational data published by the platform. Veterans who focus on investment will always pay special attention to the operational data of the platform. This piece is indeed the most intuitive data reflecting the operation of the platform. From the operational data, you can easily see the scale of this platform, and good investors can even explore a development prospect of this platform. Knowing the platform operation data at any time is conducive to thinking about whether to invest.
Three. Borrower and loan project information
For this piece, investors know that you need to look at the borrower's information, real name (enterprise name), ID card, marriage certificate, household registration book, personal credit report, housing contract and other related information and photos, as well as other corresponding materials. Investors should clearly know who their funds are lent to and what they are used for by borrowers.
Investors are most concerned about the safety of funds, so we should pay special attention to the risk protection measures of loan projects, and whether they can play the corresponding guarantee ability. Regarding the loan contract, investors certainly need to read it carefully and even save it.
How important is p2p online loan information disclosure to investors? Because the running risk of P2P platform cannot be eliminated, it is very important to choose a better information disclosure. If a company doesn't disclose information to you, how many people will feel free to invest their money? Then how to choose a platform is very important.
1, well-known platforms are preferred, and platforms with bancassurance background are preferred.
2, the rate of return can not be too high, because of high risks and high returns.
3, diversify investment, don't put all your personal funds into P2P to prevent industry risks.
4. Do not invest in ultra-short-term high-yield projects.
5. Don't vote for a platform with a lot of negative news.
6. Don't vote if the transparency of platform information is low.
7. There is a fund pool, which is responsible for its own profits and losses. There is no guarantee platform and it is not invested.
8. Don't invest in a platform with too much interest, because the platform needs to make money. There will be no pie in the sky. Lieb: Egang Finance is very good.
Recently, the regulatory policy has become stricter and stricter. Will the P2P industry be stable? It is estimated that it can be partially stable, provided that it is legal and compliant.
Matters needing attention in selecting P2P platform:
1, identify the strength of the company.
You can't just look at the registered capital.
Platform registered capital can be sideways.
Reflects part of the strength of the platform,
There is a high probability that the registered capital is too small and has no strength.
However, the registered capital is too large, and it may not have the strength.
We should also pay attention to the following points:
1. Is it a financial background or a financial gene?
As an important practice form of Internet finance, P2P is rooted in financial services, but the service mode is faster and more convenient. The rigorous financial background of the operation team directly determines whether the risk control of P2P platform is rigorous. In China, the more successful P2P platforms are operated by traditional financial risk control means.
2. Is the guarantee company strong?
In this way, the P2P financial platform mainly cooperates with a third-party guarantee company, and the third-party guarantee company jointly guarantees every transaction of the platform. If the borrower fails to repay the loan within the time limit, the third-party guarantee company will pay the principal and interest in full for the investor, which is adopted by many P2P financial platforms to ensure safety.
2. The operation mode not only determines the business content and scope of the platform, but also determines the stability of the platform.
P2P is essentially an information service platform for both borrowers and lenders, and commercial lending modes such as O2O and P2B have emerged in domestic platforms, large and small, according to their own specialties. P2P is a person-to-person lending model, and personal debt belongs to unlimited liability. P2B is a person-to-enterprise business. If it is a limited liability company, it may go bankrupt and the debt recovery will be very slim. O2O is an innovation in the P2P era, a direct online and offline model, and a relatively safe P2P financial management model. Basically, find investors online, find borrowers offline, introduce third-party guarantees or financing financial institutions guarantees, and mortgage in kind.
3. Risk control is very important
First of all, it depends on whether the platform is guaranteed by an investment guarantee company and whether the strength of the guarantee company is strong enough. Whether there is a third-party fund custody. Secondly, the total amount of funds raised by a single project is too large, whether it exceeds 5% of the total transaction volume of P2P platform. Even though many of them provide full guarantee of principal and interest, they also have their own unique risk control mechanism. It is necessary to avoid the operation of large loan funds or fund pools.
Secondly, it depends on whether the risk management ability is strong enough. Risk control mainly does two tasks. One is to evaluate the risk when the previous loan bid is approved. If the risk is out of control, it will be rejected by one vote. The other is post-loan tracking, which regularly understands the borrower's operating conditions and conducts on-site investigations.
In addition, offline collection ability is also the embodiment of risk control ability, and this criterion is mainly in:
(1) Collateral handling capacity;
(2) the coordination ability of social resources of public security law;
(3) The borrower's psychological analysis and handling ability.
4. Whether the platform is overdue and the specific situation of overdue bad debt rate.
P2P platform is to provide effective information matching services for borrowers and investors, so that investors can maximize their funds and borrowers can enjoy micro-financial benefits. In the process of matching borrowers and lenders, there will definitely be some small probability events, which are the bad debts and overdue that investors and platforms hate most. This situation certainly exists, even the most authoritative banking industry in China is inevitable.