Online lending, mbth is Internet lending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform.
investment risk
1, qualification risk
Online lending is different from financial institutions. Financial institutions are managed by "net capital". Banks and trust companies must have their own registered capital, ranging from hundreds of millions to billions or even billions. Moreover, registered capital is not used for business, but a guarantee and a "threshold". However, due to the low threshold of online lending companies, the government has not yet issued guidance, and platform software can be bought from thousands to tens of thousands. Many people who owe a lot of debts in private lending have bought virtual borrowers and virtual mortgages to attract investors to invest at high interest rates. High interest rates are generally at least 30% per year, and individual platforms reach 50% to 70%.
2. Managing risks
Peer-to-peer lending seems simple, but it is actually a more complicated model than banks and other financial institutions. P2P online lending is a new industry and an innovative model of the financial industry. Its development process is only a few short years, and the market has not yet reached a mature stage. Many investors and borrowers do not treat this kind of financial product correctly, but only pursue high returns, while those who need funds are eager to cash out. As an online loan company itself, because its original intention is only to make profits, its organizational structure lacks professional credit risk management talents and does not have the knowledge and qualification of loan risk management, so it is difficult to grasp and deal with the problems in the operation of the platform, leading to a large number of bad debts, and finally it can only go bankrupt.
3. Capital risk
Paying attention to a P2P online lending platform, the capital flow of investors is also crucial. Many online lending platforms not only do not use third-party fund management platforms, but also can use investors' funds. In particular, some online lending platform bosses borrow tens of millions of yuan from the platform for their own business operations, so as to achieve self-borrowing and self-use, and the risks are not controlled or borne by anyone. The huge financial risks hidden behind it can only fall on investors, which is why many platforms can run away. At present, the safest way is to put investors' funds on the third-party payment platform for supervision. As a platform, we should strictly control the use of funds by investors. Only in this way can we increase the protection of investors' funds.