You should start from several aspects. One is a team, preferably with a financial and Internet background. For example, I used to be an Internet company or financial institution, and P2P online lending belongs to Internet finance. Therefore, members of the management team had better have a deep foundation and rich experience in these two aspects. Second, the platform must be built and maintained by itself and cannot be outsourced. Refer to the first article to prove the importance of the company having its own technical team. Third, because the P2P online lending industry is currently in the Spring and Autumn Period, the good and the bad are mixed. We know that if we want to manage money, we mainly look at the annualized rate of return. If it is too high, it is not reliable. If it is too low, the wealth manager will not want it, generally above 8 and below 15. This is reasonable, but it is already high compared with traditional wealth management products and bank time deposits. Fourth, risk control is the key. P2P online lending industry is an imported product, which was transformed after it was introduced into China. In fact, many P2P industries adopt the form of O2O, where borrowers submit online, review offline and cooperate with specialized guarantee companies. It is better if there are shareholders with listed or state-owned enterprise backgrounds. The so-called tree attracts the wind. Fifth, it depends on whether P2P companies have a model of intervening in transactions and whether there are overdue payment clauses for investors. I'm not interested in that pure intermediary. This is not in line with China's national conditions, because China's credit information system is not perfect. In essence, it is to pass on the risk, pass on the risk of investors to themselves, and attract more investors to become customers. Although this seems to bear the responsibility, it will also prompt P2P companies to strictly control the risk control link.