What qualifications does a good p2p platform need? A good p2p platform must first have a reasonable income. If you pursue a stable platform, the platform revenue is best at 7%- 10%. If you are pursuing a high-yield platform, then the revenue of the platform is best at 10%- 15%.
Why 7%? Because according to incomplete statistics, so far, the inflation rate in China has reached 7.5% in 20 17. Therefore, if you invest in a product or a platform, and finally you don't even win inflation, then your assets are actually shrinking, which is why the starting point of income is best between 7% and 8%. But if the platform is greater than 15%, you should consider how this platform realizes this benefit, because in addition to paying interest to you, the operation of the platform itself also requires costs. In this case, the platform needs to have a very high income. Is it difficult to realize this income? There must be. What happens if the platform can't pay high interest? Bankruptcy and escape? Therefore, in order to avoid this risk, we can exclude platforms with a yield greater than 15%.
Second, see if there is any bank deposit on this platform. The deposit of bank funds can avoid the emergence of a pool of funds on the platform and prevent the platform from misappropriating customers' funds or donating money to run away. So in any case, a platform with bank deposits is better than a platform without capital deposits.
The third point depends on the volume of transactions. Because a certain transaction scale is the basic guarantee for the platform to achieve profitability and maintain sustainable growth, if the transaction volume is too small, how can this platform talk about operation and profitability?
Fourth, look at the information transparency of the platform. All kinds of data of the platform should be disclosed in detail, including business license, registration, business projects, legal representative, etc. It also depends on the identity information, company information, platform operation report, overdue rate and bad debt rate of each target borrower.
Fifth, the platform had better adopt the principle of small dispersion. If a loan project is hundreds of millions, the risk of this loan project is actually very large. Once the borrower fails to repay the loan, it will bring losses to many investors.
Sixth, look at the risk control measures of this platform. Whether the platform is guaranteed, the credit loan, mortgage loan or pledge loan used by the borrower, and what measures or means does the borrower have to control risks and recover funds when running the platform?
Seventh, look at whether the cycle of platform wealth management products is reasonable. Generally speaking, it is recommended to invest in short-term products, because the longer the cycle of a product, the higher the risk coefficient of the borrower. It is best for initial investors not to invest in products for more than one year, unless you have enough trust in this platform in the later period to invest in products with longer cycle.
Tell me a little more. Some platforms will write on the target what the borrower does with this money. Before you bid for this target, you can check whether such a sum of money can be used to do such a thing and whether the borrower can realize the income during the loan period. Or it is a project that can clearly realize the benefits in a short time, but the target period is very long. Such behavior and platform are very suspicious. Long-term cycle is nothing more than to keep your funds for a long time, but the funds are placed on a platform for a long time. As mentioned earlier, the risk is very high.
Eighth, look at the qualification, scale and establishment time of the platform. It is best to choose a platform with strong platform qualification, large scale, nationwide coverage and long establishment time.
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