Looking at Nuo Nuo more carefully, it takes the same road as pleasant loans. Perhaps the best news in Nuo Nuo recently is that its parent company, Maizijinfu, was granted a round of financing from Haitong Innovation in April 20 15.4, with an unknown amount. According to the published changes in registered capital, it rose from 1 00000 to180000, so it seems that at least1000000 yuan has been raised? The financing meeting is quite ridiculous. It was held in Shanghai Jinmao Building, attended by government officials, and there were two glamorous photos of the boss. But even in official website, Haitong Innovation Capital Management Co., Ltd., there is no news of financing cooperation between the two companies. Haitong official website information has not been updated for a long time, and the latest news was released on 20 14.2.24. However, believe such a big thing, Nuo Nuo won't make it up? !
Safety, the overall feeling can only be said to be quite satisfactory, nothing special. The platform claims to have a long history, which has been six years, but it is by no means six years of P2P. How long has the history of online lending in China been written? ! Probably the company established on the platform has a history of six years. The two figures mentioned in the last semi-annual report are very interesting: the number of active investors (the number of users who have interacted with the platform): 84,280; How do you understand this "interaction"? It's fuzzy! It cannot be understood as the total number of registered people. I have interacted with the platform customer service telephone consultation, paid attention to the platform WeChat, and learned about the situation with the platform company QQ customer service before registration. Number of VIP investors (number of users who have invested in the platform): 8,426. This is about the number of investors, and it feels a bit small. Besides, as long as there is investment, it is a VIP, and this VIP is still easy to be used!
Nuo Nuo Poundman cooperates with famous schools, so students of famous schools naturally pay more attention to their own credibility. From this perspective, it seems that the risk is very small. At the same time, Nuo Nuo Poundman extracted a part of each loan amount as a risk reserve, and also protected investors from the risk reserve. Therefore, the market positioning and product positioning of Nuo Nuo and Pounder are scattered in a small amount, not crushed and popularized. It seems that it pays great attention to the cultivation of its own internal strength, pays attention to innovation, and improves the stickiness of investors. However, there are still some deficiencies in information disclosure in Nuo Nuo, and the information such as loan amount and risk reserve of relevant cooperative guarantee companies is not transparent enough. If friends who want to invest pay special attention to this piece, they need to think carefully.
Investment and financial management always need to pay attention to the allocation of assets, and you can't put all your money on one platform. At present, P2P platforms are mixed. From personal experience, you can choose a reliable platform according to the following steps:
1. Look at the background of the platform, including whether it belongs to the listing department, the state-owned assets department, the banking department and the venture capital department, and whether the platform founder team has a strong financial background or industry leaders; Talk to experienced investors, such as economists, loan friends to help online loan bookkeeping APP ask everyone's opinions or something.
2. Look at the operation of the platform. The longer the platform is established, the better. The bigger the trading scale of the platform, the better. The more registered users on the platform, the better. The more daily IP accesses of the platform (which can be viewed through ALEXA).
3. Look at the risk control of the platform, whether to adopt third-party payment custody or better bank depository, whether there is cooperation between small loan companies and guarantee companies (guarantee companies are preferably financing guarantee companies), whether there is risk reserve and whether there is fund depository.
4. Look at the user experience of the platform, look at the user experience of official website, whether there is a WAP website, whether there is an APP, and what are the experiences of these products. A dedicated platform, doing these things well will definitely cost money.
5. Look at the reputation of the platform in the industry. Some platforms are often exposed by investors to all kinds of false information or deceive users. Platforms with these behaviors should pay attention.
The following are specific methods to choose a reliable P2P platform: