First of all, we must look at the security of funds. Whether there are three banks to deposit their own funds into the accounts of financing companies, there is no capital security problem. Credit is unreliable nowadays. The second is to see whether the annualized income is satisfactory. Generally speaking, we should pay attention to risks if the average annual income is above 18%. Judging from the wealth management products launched by financial institutions, 8% to 13% a year should be in line with the norms, and the general capital security is also guaranteed. If the rate of return is too high and attractive, don't believe it easily.