Internet Lending Has Become Scale Investors How To Avoid Being Fooled.

< p > P2P when will the rest of the industry be closed? The industry status quo and the unsettled window period of the policy are how the investors should avoid the fraudulent platform with a running road. A research expert engaged in the net loan industry shared the following experience with Sina Technology: < /p >
< p > < strong > 1, strictly prevent information fraud (/strong > < /p >).
< p > example: Recently, the office address of "net Campbell" on the running road is the 22 floor of Moma Tower, but the building has a maximum of 20 stories. Its so-called cooperation photos with the central bank are also PS counterfeiting < /p >.
< p > recommendation: before investing, verify information < /p >
< p > practice: we can call the P2P platform to obtain relevant information of the platform as borrowers, such as the wind control conditions and capabilities of the platform, whether the wind control team is professional, and whether the system is sound or not. We can judge the platform's business license, platform registration funds, management team background and shareholder background. < /p >
< p > < strong > 2, do not blindly believe a href= "http:// www.sjfzxm.com/news/index_c.asp" > high interest rate < /a > /strong > /p >
< p > example: the annual yield of running platform net treasure is as high as 29%. < /p >
< p > recommendation: when the investor's income reaches 29%, the interest that the borrower needs to bear is usually as high as 40%-50%, which is serious violation of the rules, and is equal to usury. Therefore, the platform has problems and should be vigilant. < /p >
< p > practice: before investing, pay more attention to revenue than those of others. Information related to P2P platform can be queried through third party platform, such as information about operation time and volume. < /p >
< p > < strong > 3, vigilance < a href= "http:// www.sjfzxm.com/news/index_c.asp" > self financing platform < /a >, making capital pool < /strong > /p >
< p > example: instead of using the third party trusteeship, the investor's money is put in the pool of platform related funds, and the investor's money is paid back by snowball (after the investor's money is returned to the former investor). < /p >
< p > recommendation: P2P platform can not use customers' funds to illegally deposit, nor can they lend directly. Investors should understand this. < /p >
< p > practice: if a company has multiple "trustees" and does not need to set up two accounts, almost all are pools of funds. Investors can judge this way. Investors can check with friends or gather information on the Internet to verify whether the platform is related to partners such as private lending companies, Guarantee Corporation and pawnshops, so as not to cause fraud. < /p >
< p > < strong > 4, prevent < a href= "http:// www.sjfzxm.com/news/index_c.asp" > false Standard < /a > /strong > /p >
< p > example: the title only has title and no detailed information is disclosed. < /p >
< p > suggestion: seriously check the degree of information disclosure < /p >
< p > specific practice: the formal P2P net loan platform, in addition to the public disclosure of detailed information, also set up offline observation group, investors can give priority to the local P2P platform, so that entities can investigate and master the relevant information of the platform. < /p >
Apart from that, investors can also learn from the experience of avoiding risks: diversify investment, select multiple high-quality platforms for bidding, rationally invest, and choose the well-known and powerful old platforms to avoid the new platforms and platforms with higher interest rates than the industry; always focus on platform trends, maintain communication with platforms and other investors, and interact with each other; and do not be obsessed with capital and interest protection. P < /p >