What are the main modes of risk control for p2p lending?

P2P network loan risk control mainly what model?

P2P risk control model there is no unified model, representative of the main include 1, the lender risk model 2, the platform guarantee model 3, the risk reserve model 4, the transfer of claims, the risk reserve model 5, the mortgage, the risk reserve model 6, the guarantee agency guarantee model 7, the credit of financial institutions, the guarantee agency guarantee model 8, the microfinance guarantee model. At present, a good wind control model is usually the result of the combination of the platform's self-built and third-party advanced wind control products. For example, the combination of the well-known P2P Yixin and Hangzhou Tongdun Technology is the best case.

What are the main models of risk control for online lending platforms?

1, the establishment of risk margin

Many platforms have established a risk margin, the proportion is generally 1% of the loan amount, once the investor can not recover the investment, by the risk margin to provide first payout. This system looks a bit similar to the bank, according to the loan balance of 1% risk reserve.

2, micro-diversified investment

P2P platforms will be micro-diversification as one of the main means to reduce risk, but, in fact, such dispersion in reducing the risk of a single customer's principal at the same time, but also reduces the customer's rate of return.

3, the third party to provide security

Guarantee company to provide third-party guarantee, which is the most common platform of a guarantee, the guarantee company based on the assessment of all aspects of the borrower of the special case, the implementation of the special case guarantee.

4, in-kind pledge

Through the borrower to provide in-kind collateral, pledge way to guarantee, the borrower out of the amount of money borrowed due to repayment, to provide real estate, cars and other in-kind to guarantee.

5, the platform on behalf of the compensation

P2P platform out of the responsibility of investors, the case of their own guarantee, once the case of overdue or bad debt platform that is their own contribution to the case of advance payment.

6, big data risk control

Many P2P platforms such as the Lexus Loan have implemented big data risk control management, through the big data to identify the borrower's personal credit, income, occupation and other aspects of the assessment audit, in the case of pre-lending, lending, lending, after the strict management and control.

What is the significance of researching the risk control ability of p2p lending platforms

The significance of risk control in venture capital products is the core concept, if a product yield and risk are equal, the wind control can be reduced by 7%, that is to say, only 3% of the risk of winning 10% of the profit.

How to control the risk of P2P lending operations

1, the founder of the purpose of the platform

Earn money, the pursuit of social status, the pursuit of ideals this is a positive purpose. But if the purpose is to cheat money, pay off debts, and borrow money for yourself, this time you need to stay away from it.

Some people feel that the purpose of cheating money for the platform there are people to vote? There are, the speculator's mentality is this: I just need to run before the cheaters to recover their money on the line. Such speculators, I think should be respected far away.

2, the founder's background, experience and character

The founder or founding team is best at the same time both financial and Internet background, again, at least one. If it's a completely inexperienced startup, or a complete amateur, the risk here is high.

I specifically mentioned character here, and character is sometimes more important. If Shi Yuzhu came to open a platform, commitment guarantee. Then I'm totally comfortable giving him my money, because even if he goes out of business, he'll rise again to pay it back. In the era of the Internet, it is increasingly easy to understand a stranger's character: through microblogging, microblogging circle of friends, to understand the person's concerns, clothing, food, housing and transportation, can judge probably what kind of person this is.

3, process and system

Process and system is the most effective way to control moral risk. If it is a formal P2P, the owner of the company is not licensed to move to the investor's funds. The investor recharges to the third party payment - the borrower receives the loan from the third party payment - the borrower repays to the third party payment - the investor withdraws cash from the third party payment.

The strict use of third-party payment platforms can largely eliminate the possibility of the boss running away.

In addition, the internal financial system of the company is also very important. For example, all large withdrawals are audited manually by three different departments and posts. This can also go a long way to confirm the reasonableness of the flow of funds.

Second, the credit management risk

To handle one or two loans, and then the money back, so it is considered to have the ability to manage credit risk? Otherwise, I lent money to my wife, and then the money back, the delinquency rate of 0%, it does not mean that I am very good. The ability to manage credit risk lies in the number of "unknown" borrower clients (note the number, not the amount). The more customers you manage, the better you are.

How do you control credit risk?

1, micro-diversification

Microcredit is a very professional field, and now there are special courses, Guangzhou and Hangzhou Finance College have professional microcredit courses. Here I simply emphasize a principle: small amount of dispersion. What is a small amount? The Office of Finance requires microfinance companies to borrow a single loan borrowing amount, shall not exceed 5% of the registered capital. This is a small amount. What is decentralization? The borrower's industry, geographical dispersion, the number of borrowers is large enough.

2, put an end to false borrowers

Capital is to profit by time, which comes with a very serious problem: risk lag, Ponzi scheme is such a play. In my experience, as long as the real people who do things, the vast majority of them still have to be relatively reliable. The ones that have bad debts are either borrowers who were trying to scam money in the first place, or this borrower is a sham.

The method of testing whether the borrower is false is also very simple: randomly check the borrower's payment records, debit notes, or randomly interview the borrower.

Third, the risk of asset management

Asset management is the core competitiveness of the bank, but also a very professional work. Done badly, it may lead to a liquidity crisis, seriously triggering a run, etc. (P2P model should not theoretically have a run).

What is asset management? As I said before, for investors, it must be a small amount of diversification, so as to control the risk. But the small amount of diversification is contradictory to the individual's asset management, I invested 100,000 out, a year later did earn 10,000 dollars, there are 60,000 funds on hand, but there are still 50,000 is in the form of debt, and has not been received back.

Therefore, many P2P platforms have designed a variety of investment products (which can also be called broad financial products, but we usually say financial products, are narrow financial management, can only be issued by commercial banks and other financial institutions, here to avoid for the time being), which allows investors to recover all of the principal and interest within a certain period of time.

Currently, there are two types of P2P asset management: 1) Debt transfer. 2) Debt split. 3) Debt transfer. 4) Debt transfer. 5) Debt transfer. 6) Debt transfer. 7) Debt transfer. 8) Debt transfer.

1, the transfer of claims

Currently do the standard P2P are used in this mode: investor A invested in a number of loans, six months after the expiration of the A is not yet complete the transfer of claims at a certain price to the investor B. So that the investor A will be able to recover the principal and interest within a certain period of time, the success of the exit. This model also has a certain risk, if the platform operation ability is weak, can not find investor B, then investor A can only wait until the borrower according to the deadline to finish the money, in order to recover the principal and interest. Similar to the trust rollover, but this asset management model, the risk is visible, relatively speaking, is still relatively reliable.

2, split debt type

This is a piece of the current P2P risk is great. Borrower C borrowed 1 million, the period of 6 months. At this time the platform side of the debt split into six, the amount of 1 million, the term of 1 month of borrowing. The first loan to the borrower, the second loan to the first loan investors, the third loan to the second investors, and so on. Such a thrilling link, once it is not connected, the borrower's delinquency will occur. But in fact, the borrower is not overdue, and the platform can not get the money back in advance, but from the investor's point of view, this has been overdue. Following this, it creates distrust and triggers more overdue. And then it hangs.

How does P2P lending control risk?

There are many processes . Know how to invest safely . It is still recommended to listen to today's talented online school in this area of the course, the teacher explains Detailed

P2P online loans should be how to control the risk of

In doing p2p financial products, it is necessary to take more precautions against the risks that may be lurking in its attention to prudent investment, do not covet high interest returns, away from the high-interest platforms. For people who regularly invest in financial management, pay attention to diversified investment is an investment principle that we are all too familiar with, and only in this way can we better preserve the principal. As long as you don't put all your money in one place, you can effectively reduce the risk of p2p financial products. But it's easy to say, it's hard to do. Especially in the field of P2P, diversification is not only to divide the funds into multiple parts, but also the use of a variety of investment strategies.

People pay attention to choose a good p2p financial platform, if the platform will have a better risk control team, is effective in controlling the platform's overdue and bad debt rate to a minimum, the purpose is to ensure the rate of return. The transparency of the platform is high, investors can clearly know the money invested into the hands of which borrower, what is the use of the borrower's repayment ability, the purpose is to ensure that the investment yield, to ensure that the funds are not misappropriated by the platform and so on.

For investors, it is important to note that before investing, the funds and assets two have the risk points minimized, and then combined with the platform's background strength and development status, choose a reliable real platform to become a real beneficiary.

P2P network loan operation risk such as how to control?

P2P network loan development or lead to the emergence of operational risk is out of control of capital turnover, the borrower credit system is imperfect and the choice of unreliable network loan program. Who can really master these two points of P2P network loan competition core barriers, perhaps to wait smoothly to the inter-network network finance of p2p network loan dawn after dark.

How to control the risk of p2p online lending? How to choose?

Financial products are at risk, first of all, when choosing to look at the stability and safety of the platform, you can consider the win-win P2P platform. The overall interest rate is moderate, and the platform is safe and reliable.

p2p online loan how to control the risk? There are good cases?

In addition to strengthening the construction and upgrading of hardware and software facilities, it is vital to cooperate with third-party wind control providers to control the default rate of the borrowing side within a safe range. Hangzhou Tongdun Technology is very experienced in this area, guarantee mode, or risk reserve mode, as long as the risk can be minimized, can be used.

What are the main investment risks of P2P lending finance? How to avoid

The investment risks of online lending are mainly the platform to run away, or the borrower is overdue or bad debt.

To avoid this investment risk we need to choose a good formal platform, choose the right borrowing standard.