Last week, another P2P platform stormed.
Although it is now a reminder that there is a bit of suspicion behind the guns, Xiao Bian is prepared to take this opportunity to talk about the method of selecting platforms.
First understand the background of the platform
Like “If you want to build roads first,” if you want to make money, you have to explore whether the road is good or not. For the platform, exploring the road is the first step.
Regarding the background of the platform, we need to focus on these key points:
The ownership structure of the platform. Through the background of shareholders, we can judge whether the platform is a banking system, a listing system, a venture capital system, a state-funded system, or a private system. Among them, the background of the banking system is the strongest, and the background of the private system is weak.
The paid-in capital of the platform. Note that to distinguish between paid-up capital and registered capital, paid-in capital can reflect the platform's capital strength.
High-level management of the platform. In accordance with regulatory requirements, the information of the senior management team needs to be disclosed. If this part is missing, it indicates that the platform letter approval is not in place. If so, it focuses on the educational background and experience of the senior management.
Let's look at the compliance
There is no standard for platform compliance, but some hard requirements must still be met.
Bank depository. This question has been proposed for a long time. If the platform is not yet in charge of bank depository management, it is either that the platform has not embraced compliance with the regulations in a positive manner, or that certain aspects have not met the requirements of the banks.
ICP and other three levels. The former is issued by the Ministry of Industry and Information Technology to prove that the website is legally operated; the latter is issued by the public security department and indicates that the information security level of the website has reached the highest level. Although it is not a necessary condition for filing, it is a kind of website strength. Accredited.
Small amount scattered. In the regulatory review last year, it was stipulated that individuals could not borrow more than 200,000 yuan on a single platform. At this point, we can observe the operational report of the platform and pay attention to the proportion of the largest single borrower's announced outstanding amount of repayment, and by simply calculating, we can understand the maximum amount of single borrowings.
As for some aggregate bids or automatic bidding instruments, you can also view their claims details and understand the amount of each loan.
Asset side. At present, the asset end of the P2P platform mainly includes small-scale scattered consumer finance, supply chain finance, and auto finance. These three types of assets are relatively high-quality, but the platform's risk control requirements are relatively high.
Platform Information Disclosure
The information disclosure of a platform can largely reflect the basic situation of the platform.
Believe in the column. In last year's Shinpei guidelines, the information indicators that P2P platforms should disclose to investors include five categories: filing, organization, auditing, operations, and projects. Therefore, Ishinpak columns have become standard on all major platforms. Everyone can use this column on the platform. Next, look for relevant information.
Basic operational data. Accumulated loan amount, cumulative loan amount, etc., which can reflect the platform's mass and scale, although the scale of the platform is not as large as possible, but it still needs to reach a certain threshold, and the operation can be more stable.
Monthly operating report. In this report, we must pay attention to whether the platform's new capital flow is normal every month. With the normal operating platform, the number of new borrowers and the amount of loans each month will maintain a stable growth range.
Understand the platform's recent public opinion and development
This is really critical. Before we invest, it is best to go to some professional online loan investment communities to find out about the platform's recent evaluation.
Is there overdue? Is there a major change in equity? Is there a situation where I can't withdraw money...
We must also pay attention to the recent developments in the platform, whether it suddenly started to issue a scaled-up scale, suddenly began to exert great efforts to engage in activities such as raising interest rates and cash back....
Under normal circumstances, the platform pays great attention to its own brand reputation. If there is a large number of negative ones, no one will come out to solve or respond. That is a big problem for the platform.
Like last week's populist credits (the official website is now open). . .
With Qixinbao, we can easily see its ownership structure.
The main operating entity of the platform is Zhongrong Minxin Capital Management Co., Ltd. There are three major shareholders behind it. The equity is relatively concentrated. The obvious private sector is relatively weak.
According to the data previously disclosed by the Civil Credit official website, the accumulated transaction amount was 6.826 billion yuan, the cumulative transaction volume was 1,806,200, and the amount of repayment was 228 million yuan. This fund volume is smaller in the online loan industry.
There is also a certain amount of falsehood in the disclosure of information. Someone pointed out beforehand that the information disclosed by the People's Bank of China with the subject matter of the loan shows that the borrower is 51 years old, but the working time is 480 months (40 years)... Obviously there is suspicion of committing fraud.
And there is still a big problem for Minsu Credit: to develop offline wealth management stores.
The Interim Measures for Supervision clearly stated that the online loan platform as an information intermediary cannot conduct offline sales of wealth management products, while Minxia’s offline stores have been conducting offline financing services to unspecified people. This is very easy. Caused illegal fund-raising.
In fact, at the beginning of March, the major online lending forums began to question investors on some issues of the people's credit, and on April 11th, the online credit crisis of RMB 150 million broke out on the Internet.
This large area of negative, investors really have to sensitive point ~
Raise the quota of the bud to 50,000, the most complete Raiders, pay attention to: Confidence notes, reply to "Flower" access.