1, operational risk
2. Bad debt risk
3. Overdue risk
4. Liquidity risk
5. Policy risks
On the Internet, I saw that P2P online loans in many places have many security risks. What are the main risks of P2P online lending? 1. The borrower's default risk is too high.
One of the biggest risks is that too many borrowers default. We must know whether these loans are secured loans. If they don't have any collateral, such as a house, a car or other collateral, the borrower will not have enough incentive to repay the loan unambiguously. At present, most borrowers will repay on time, and some will not. We need to take this into account in the whole investment strategy.
When people encounter problems in P2P lending, the investment experience is generally negative, usually because they have not diversified their investments, or their investments are not diversified enough. For example, suppose you have 10000 yuan and want to invest in financing. You have invested 10 borrower, and each borrower 1000 yuan. If a person defaults, you will lose 10% of the total investment funds, which is a typical account lacking diversification. On the other hand, suppose you have invested in 200 loans. If a person defaults, you only lose 0.5%, which is easy to recover. So far, in financing, the lack of diversification of investment is the most important and common reason for people to lose money in P2P lending. Therefore, we need to realize that excessive default by borrowers is the biggest risk.
2. Insufficient platform credit review and national factors
Other risks of P2P lending include that the platform is not strict enough in the credit review of borrowers, and the poor national environment, such as the sharp rise in unemployment rate, will also cause too many borrowers to default. In fact, we do rely on these platforms to review the credit of borrowers, mainly because the platform needs to verify borrowers one by one, and then approve them to log on to the platform and get loans. Similarly, we also rely on a stable national environment.
Of course, the following hypothetical things are unlikely to happen, we are just thinking about it.
We assume that these platforms may not have fully reviewed their loans from the beginning, and a group of borrowers who should not have received loans have received loans. Then, all of a sudden, the default rate of each of our portfolios rose sharply. Similarly, for example, the national unemployment rate has risen to 20-25%, which is unheard of, but I guess it is possible. If this really happens, our P2P lending will definitely face a large number of defaults. Of course, these assumptions are unlikely. We have been paying attention to the default rate of Lending Club and Prosper for several years, and their situation is getting better and better.
Therefore, the biggest risk of P2P lending is that investors have not fully diversified their investments. If we can give some advice to those new investors, please remember: spread your investment among at least 200 loans. At present, the threshold of 200 mentioned here is still controversial, but I think 200 is a very reliable number. Some people think it is necessary to spread out more, while others think it is unnecessary to do so much. For example, Prosper claims that since 2009, none of the borrowers who have invested more than 65,438+000 loans on their platforms have lost money. At the same time, Lending Club has also made the same announcement, and they think it is necessary to diversify investment in 800 or more loan targets. But I think 200 is reasonable.
We need to understand that we can invest at least $25 in one bid, so the investment exceeding $5,000 needs to be spread over 200 bids to avoid the main risks in P2P lending and too many borrowers default. So diversify your investments and your account will be safe.
3. Risk of platform failure
Even so, there are some other risks, such as platform collapse. Lending and Prosper both have backup service providers. In other words, if LendingClub goes bankrupt, the backup service provider can also provide investors with the money paid by the borrower on a monthly basis. Prosper even set up a tool called "Bankruptcy Isolation Vehicle". Once Prosper goes bankrupt, this branch will be isolated and unable to contact or pay off debts to ensure the safety of funds.
However, the usefulness of these bankruptcy preparation measures has never been verified, because no platform has closed down. Therefore, we can't really understand what will happen if Lending Club or Prosper goes bankrupt. Therefore, we must control this part of the funds invested in online loans to 10~ 15% of our total assets. However, I think the security of Lending Club and Prosper is still trustworthy. Lending Club actually had a good cash flow from the end of 20 12 (which means they won't lose money from investors again), and Prosper seems to be profitable in 20 14. Therefore, the possibility of the collapse of these two platforms is slim, but there is still a sense of risk in this regard.
4。 The risk of the overall interest rate increase in the banking industry
Similarly, interest rates may rise. Now, this is also a very interesting thing, because this situation has never happened before, but it may still happen, and we don't know what will happen. Imagine that the national interest rate is generally rising, and the savings account also provides 5% interest rate as in the 1980s. Then, how will investors seeking 5-6% return in P2P lending choose a savings account that can also provide 5-6% interest rate? After all, the savings account is guaranteed by the federal government, and there is absolutely no loss unless there is a national catastrophe and the like.
So, we really don't know what will happen. If the interest rate of savings accounts soars, what will happen to P2P lending? But even so, it should be no problem, because the average income of P2P lending can reach 14% and the average net interest rate can reach 8%, so if so, the interest rate of savings account is unlikely to rise to 6~8%. The above assumption is possible, but it is unlikely to happen. I think the overall situation of this kind of asset investment has been well adjusted.
5. Other unknown risks
Finally, it should be noted that there are other unpredictable situations in P2P lending. At present, * * * regulation may be the most likely situation, and of course there may be electronic eavesdropping, fire, flood, earthquake and terrorist attacks. However, compared with other unknown risks, the new regulations are more likely to be introduced. What does this mean? P2P lending is a new thing, so it is very likely that the United States will begin to interact with this new economic form and introduce some new laws and regulations, which can change the rules of the game and affect our entire investment. So this is part of the risk that we should pay attention to.
What are the countermeasures to prevent and control the default risk of p2p online loans? First, we must sign a valid contract with the platform. All the collateral of the borrower is in kind, and the real collateral can be found at the vehicle management office. If the overdue period is serious, the platform has the right to conduct legal investigation and auction on the collateral. For example, Liuzhou, Guangxi, where I am investing now, is completely safe if the borrower fails to repay the principal and interest in advance.
What are the most transparent p2p online loans, and are the risks controllable? I feel that the wealth of gold buildings is more recognized, and there are bank funds in custody, and novices have special gifts.
What is the risk of P2P online lending? In fact, there is only one main risk of P2P platform-platform running! Generally speaking, the platform operates cautiously, and the platform itself is to avoid risks and provide investors with a safe investment environment. However, those platforms that are fraudulent from the beginning are different. It is a platform for cheating money. So it is very important to choose a good platform.
What are the lightning protection skills of P2P online lending?
First, investment is not the same as speculation. Don't invest if the income is too large.
Investment is a lifelong career, speculation is only temporary, the income of investment is diversified (knowledge and friends, of course, including the realm), and speculation is just money. Those real winners in life will not put all their bets on one plate, they will analyze and summarize the gains and losses of each plate. There are certain dangers in platforms that are too big to be recovered, which is related to whether the capital chain of enterprises is strong enough, and also to the problem of "running away". In short, a normal balance of payments is the basis for the stable development of a p2p platform. Understanding online lending, being familiar with its relevant knowledge and learning to analyze it are also important gains for our online lenders, and they also value many friends they know through online lending. You can care about the information of Qianhai Guangshen.
Second, don't be a gambler, and don't vote if your income increases too much in a short time.
Gamblers entrust their fate to others and fate. Investors rely on their own judgment and analysis. If you are a follower, you are likely to fail. P2P online lending platform can't make you rich overnight, so you should make an ideal investment.
Third, the manager of the platform.
Investors should at least have a brief look at who is the manager of the investment platform, whether there are any affiliated enterprises, understand their past experiences, analyze their background and whether the management team is strong enough. Know the manager of the platform and invest with confidence.
Fourth, the interest rate of the platform.
The interest rates of platforms should be scattered, and investors of platforms with little difference in interest rates between targets, especially high-interest platforms, should be very cautious, because they may be the result of the demolition of a large target, and the ability of a project that needs so much money to repay due is quite doubtful. Or the industry is sluggish, or the recovery cycle is long, and such enterprises should have large collateral, so the bank financing channels should be relatively smooth unless the assets are seriously bad.
Fifth, the goal of the platform.
The target quantity should be dispersed. If it completely exceeds 65438+ million, the bid opening may be very large. At the same time, of course, it also depends on the level of detail of the subject matter, whether there is enough collateral, especially the liquidity of collateral (investors should carefully estimate the real estate and other documents). Many facts have proved that online lending platforms with complete target amount (or mostly above100000 yuan) are extremely risky, and some have already had withdrawal restrictions.
Sixth, the information level disclosed by the online lending platform.
The inadequate disclosure of any of the above aspects is very doubtful. For example, many websites do not introduce managers, so such platforms need to be more cautious.
7. Risk reserve.
The level of risk reserve is also an important aspect to judge a platform. Of course, this should be combined with the lending level of the platform. Using an empirical formula is
8. It is difficult to withdraw cash.
The difficulty of withdrawing cash is the bottom line of a platform. For platforms that have had cash withdrawal problems, there is absolutely no need to take risks again. Since the online lending platform was launched, there has never been any problem of overdue, bad debts and cash withdrawal difficulties.
Nine, compare the P2P online lending platform in many aspects.
Comparing the platform is a better understanding of the development level and management level of the platform, which is conducive to avoiding minefields.
How does P2P online loan investment control risks and win-win finance?
With the introduction of a series of internet financial policies, some "fox" platforms have exposed their "fox tails" and have closed down and transformed. Policies and industries will make further efforts to make the platform compliant and make the industry better. Choosing a platform to control risks should at least be investigated from the following aspects!
I. Information disclosure of the platform
The information disclosure of the platform is emphasized by many people and needs to be transparent. A good platform will have information disclosure, which is already an indispensable part. So if the platform you choose has no information disclosure, you can think twice. In addition to the basic information disclosure, it is suggested that we should also understand the shareholder background of the platform!
Second, the platform revenue should be reviewed more.
During the rapid development of P2P a few years ago, many platforms had high returns, which was followed by some negative information of these so-called high-yield platforms, which also made many investors very helpless. Therefore, for choosing a platform, don't blindly choose a high-yield platform. It can be said that if it exceeds 20%, it must be cautious; Moreover, according to the policy needs, the revenue should be rationalized, so the platform must meet the regulatory requirements. So, don't blindly look at the benefits. In addition to income, it depends on compliance and good information disclosure. At present, under the regulatory policy, the revenue of most reliable platforms is below 15%.
3. Do you have any bank deposits?
In the regulatory policy requirements of Internet finance, bank depository is a significant indicator of platform compliance. According to the recent relevant information, bank depository can be considered as one of the factors of platform security (note: not entirely). The platform and the bank complete the deposit and management of funds, so that the platform's funds are completely isolated from the users' funds, and the platform cannot touch the users' funds, thus avoiding the risk of the fund pool. Therefore, when investors choose platforms, bank depository is an important factor.
What are the risks of p2p online loan financing? Don't forget the risks. Don't let money go to waste. Internal risks: chaotic rules and inexperienced employees
External Risk: Credit Crisis in Macro Environment
Recommend mutual mortgage loan.
How to reduce the risk of P2P online lending and ultra-high yield, don't touch it; If you are less than one year old, don't touch it; The website design is very rough, don't touch it; Don't touch those with poor customer service. Look at the big platform of Renren Loan and which network to vote for, and then look at the platform you want to vote for, and you will know what it is.
What are the risks of p2p networks and loans? "The market is risky, and investment needs to be cautious", and the risks are definitely there, as are every financial management method. The financial workshop platform is recommended, and the risk control level is relatively high.