First, carefully review the website qualification and scale.
The first thing for investors to choose the platform is to review their basic licenses, including business license, tax registration certificate and organization code certificate, etc. At the same time, they can also inquire whether team members and major shareholders have been executed in court. The main method is to inquire on relevant government websites and court system websites.
Second, eliminate the "moisture" of the cooperative organization
Some institutions call themselves "National Finance" and "Bank of China", and have ties with some state-owned enterprises and listed companies in an attempt to deceive investors. In the face of such doubts and uncertainties, they can directly telephone these shareholder companies to inquire whether they are related, and if necessary, they can act as borrowers to learn about the borrowing methods or directly complain to the cooperative institutions.
Third, investigate the exposure of the platform
The higher the exposure rate, the longer the duration and the positive image of searching website information online in traditional and professional media, the higher the cost and the higher the security. But we should not believe this information, and we should eliminate the interference of "soft text".
Fourth, check the investment records of venture capitalists
The platform of venture capital is equivalent to the institution helping investors to screen, and obtaining investment is conducive to strengthening team building and risk management. However, venture capital can not be regarded as the only indicator. Some high-quality platforms have not received investment, and some platforms will exaggerate the amount of investment and make false propaganda when releasing news.
V. Investigating the platform from the loan data
The average loan amount of some problem platforms is obviously too large, even reaching more than 20 million yuan per capita, while the loan amount of normal operating platforms is generally low. Investors should be extra cautious if they see that there are not many borrowers on the platform, but the amount borrowed by each person is particularly large, the loan frequency is high, and there is no platform for collateral and guarantee measures. Be careful if the enterprise borrows frequently and with a large amount.
Sixth, investigate the survival time of the platform
Most problem platforms don't last for half a year, some fraud platforms only survive for a few hours, and the problem platforms can last for more than one year 10%. When novices don't have enough investment experience, they can first choose a platform with a long history, which can greatly avoid the danger of platform closure and running away. But it is not absolute, and the long-term platform may also close down.
7. Don't vote for platforms with too high yield.
According to media statistics, among the 28 typical problem platforms, Gundam 18 promised an annualized interest rate of over 40%. Low interest rate is not necessarily low risk, but high interest rate is definitely high risk. Generally, the monthly interest rate of private lending is 3%, and the consulting and management fees charged by P2P lending platform to borrowers are generally converted into interest rates of1%-2%. If the monthly interest income given by P2P platform is as high as 3%, the annualized interest rate will reach 45%-60%. Investors should first think about how borrowers can afford such high capital costs and how the platform can find so many borrowers who can afford high interest rates.
Eight, investigate the loan concentration.
Investors can refer to some third-party reports to find out the loan concentration of the platform. For example, Zhongbao Investment, which is on the run, the total loan of the top 10 borrowers is as high as 10 billion yuan, accounting for 90%.
IX. Investigating the liquidity of funds
The stability of deposit and withdrawal amount of a platform can be used as an inspection index. The platform with very stable daily repayment amount and daily loan balance is more reliable. The sum of the available platform's own funds and current profitability is compared with the current bad debt amount to calculate the safety margin.
X. The ultimate trick: Don't be greedy.
The ultimate way to avoid being fooled is not to be too greedy.
On Tuesday, the investment network will organize it for you.