1. First of all, you should have a simple understanding of the development history of P2P. You can look at the story of online loan development and have an overall understanding and understanding of P2P to prevent it from being covered by points. Secondly, learn all the knowledge points of P2P by heart and understand them one by one. For example, what basic knowledge of risk control, private lending, interest and so on. The source of this knowledge can go to Wikipedia, which is professional and true. Carefully read the post of the third party of online loan. As a beginner, it is easy to fall into the superficial knowledge of online lending and can't see the essence of online lending. In addition, online loan third parties have many posts about bankruptcy and running away, which is easy to instill fear in you, so you can't really see online loans.
2. After learning the initial knowledge points, the next step is to learn how to look at the platform, the background, the executives, the projects, the operations, the data, the negatives and the development. Each point should be studied separately. We can look at the elite investment strategy of the third party first, and then look at the professional evaluation report to digest these important indicators. At first, I feel that any knowledge is new, and I don't have an overall understanding of P2P, just like a blind man touching an elephant, but when you touch it bit by bit, you will gradually have an overall understanding and your mind will become clearer and clearer.
3. Randomly select one or two platforms for each type, and make trial investment for these platforms for 1 month. Platform type classification reference: new platform and old platform; High-interest platform, medium-interest platform and low-interest platform; State-owned enterprise platform and private platform. Patiently study the situation of each platform, and ask the customer service immediately if you don't understand. Through the actual research on multiple platforms, you will have a more practical and direct understanding of the background, business and team. This process can be added to the QQ group of the platform, and you can ask experts or veterans in the group for advice, which will make you learn faster.
4. Further, we must understand the various businesses of online lending. The most common ones are mortgage, car loan, credit loan and consumer finance. Learn how to control the risk of each business, what are the risk points, where it is easy to cheat, and how to deal with overdue. In this respect, you can look at the professional risk control information and organize it into a table yourself. If there is a platform to organize meetings, you can ask the front-line staff to tell you more details according to their risk control.
5. Formulate investment strategies. How to configure high-interest, medium-interest and low-interest platforms, how to match the investment period, it is more appropriate to disperse several platforms, and what is the investment plan for one year? If you can stand on high and plan your investment as a whole, you will surpass most people.
6. After the above steps, you have established the framework of P2P investment and have a systematic understanding of P2P investment. On the one hand, we need to repeat each of the above processes to deepen our understanding, on the other hand, we need to increase our understanding of each point more carefully through constant practice. In this way, as time goes on, you will gradually become a master.
In addition to the above methods, we can identify the quality of P2P platform, and we can also go to the field to inspect the operation of the platform. As the saying goes, seeing is believing. After reading the office environment of the company, I basically believed it. In any case, we must choose a platform with transparent information disclosure and bank depository. Otherwise, the principal will be wasted, and the loss will outweigh the gain.