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How to judge whether the online loan platform is formal

How to judge whether the online loan platform is formal

4hw.com.cn: in recent years, Internet finance has become extremely popular, which has spawned a large number of online loan financial products. Many irregular platforms have been shut down, but many online loan platforms are more formal. Which ones are more formal in 2018? Let's have a look.

Nowadays, Internet finance continues to be popular, and a large number of online loan financing platforms have been generated by the nationwide financing craze. Although many irregular platforms have been shut down under the supervision of the state, it is still the top priority for many small and medium-sized investors to find out which of the regular online loan platforms are. By analyzing the existing financial management platform, investment experts summed up the following three moves, as a reference, we hope that you can easily find out which regular online loan platform.

1、 Learning national norms

With the rapid development of Internet finance, the loss caused by irregular Internet loan platform is more and more serious. The country has stepped up the industry regulation, and 2017 Internet finance industry ushered in the strongest regulatory year. If you want to know what regular online lending platforms are, you'd better pay attention to financial information from time to time, know what regulations the state has issued and which platforms are more active in compliance.

Whether an online lending platform follows the national standards reflects whether it has sufficient security awareness and professionalism. Take Mizhuang financial management, which has attracted more attention recently (for example, it signed a contract to launch Hengfeng bank deposit and electronic signature system last year, which is a positive response to the national requirements of implementing bank deposit and 'electronic data deposit'. Compared with some large platforms that have not even been online bank deposit, the safety and compliance of Mizhuang financial management is obviously more trustworthy.

2、 Analyze financial products

Financial users want to judge which regular online loan platforms are, in addition to basic security, they also need to have a comprehensive understanding of financial products, which is, after all, a direct factor related to earnings. Whether the risk of financial products is under control, whether the income is stable, and whether the annual interest rate can meet the expectation can be the reference standard for the issue of "what are the formal online lending platforms?".

Generally speaking, the formal online loan platform financial product category is relatively fixed, the annualization is relatively stable, and there will be no large-scale fluctuation in a short period of time. As for the specific annualized interest rate, in the current Internet financial environment, if a financial management platform can maintain an annualized expected rate of return of about 7% - 10%, it is relatively ideal. Too high or too low annualized rate is not a good choice for investors: too low platform affects the income, and too high platform is very safe and cannot be guaranteed. Therefore, it is the first choice to find out what are the regular online loan platforms, with an annual rate of about 7% - 10%.

3、 Understand the reputation and development potential of financial management platform

What are the regular online loan platforms? In addition to security compliance and financial benefits, you can learn to judge based on side information. For example, you can check the user's public praise of related platforms on the third-party website, know the industry activity of related platforms through financial information, and actively participate in industry interaction; you can also install apps using related platforms or log on to the official website, and observe whether the operation management of the platform is timely and comprehensive, and whether there are serious loopholes, etc.