Of new technology arisen accompanying an industry to change mostly, arrive from Internet finance Fintech, computation of big data, artificial intelligence, cloud overturn new technology of the gender is producing profound effect to financial industry, but financial essence did not produce a change, although forward position technology promotes financial development, just dispersed risk, did not eliminate a risk however. So to lender, how to evaluate platform security in case does platform explode does thunder cause a loss to lender?
The first, authenticity of check P2P platform.
Differentiate platform authenticity to basically have the following the following kinds of ways:
1, the P2p net that inquires intent through website of Internet finance navigation borrows platform, the main problem such as time limit of condition of the public praise that examines platform, average interest rate, guaranty, loan.
2, the authenticity of the business licence that through the network industrial and commercial website inquires P2p website.
3, can borrow platform to undertake making an on-the-spot investigation on the spot to P2p net of place conditionally, survey procedure is convenient and quick, if dispute of later period happening is convenient also,handle additionally.
The 2nd, check P2P platform is seasoned.
Choose reliable, the platform that has experience is windbreak to lend also be all in all nearly. The platform of P2p conduct financial transactions of because of management not to be pooh-poohed close down is very much since 2016, lender must the experience of the management circumstance of much more advertent platform and group. If a platform is lacked from already check, criterion the risk is higher.
The 3rd, the bad Zhang ratio that does not forget to pay close attention to P2P platform.
Although bad Zhang leads to the industry talk,be a thing that compares empty, but if rate of platform bad Zhang is too high,be abnormal absolutely. Rate of bad of course Zhang is lower, the wind that also does not show P2P platform certainly controls a standard taller, bad Zhang rate should rise with other factor union referenced. If the bad Zhang rate of exposure of platform of a P2P is serious under industry standard, lender needs to be treated carefully. On the network a lot of articles tell everybody, a platform if 0 bad Zhang have 0 exceed the time limit certainly problem, not be actually such. The platform of 0 bad Zhang returns this kind of 0 exceed the time limit have a lot of, a few wind accuse strict and of impawn medium or small platform is completely OK achieve 0 exceed the time limit of 0 bad Zhang.
The 4th, careful cast the P2P platform with exorbitant yield.
Rational lender should maintain cautious attitude at any time, not by the P2P platform temptation with exorbitant yield. In the past network of period of time reports the P2p net with a lot of extremely high income to borrow platform, and exposure the fact that these platform are suspected of collecting money illegally. From the point of the development of whole P2P industry, exorbitant yield is not rational apparently, do not rely on chart.
The 5th, the enrollment that evaluates platform seriously capital.
Registering capital actually is one of elements that can control a venture as platform. If of a platform is to register capital really,jump over tall, explain this platform is to plan to develop for a long time, plan to provide reliable service for the client. Besides technique of mode of the setting of platform, operation, risk management, it is the content that lender needs to understand more.
