The risks of p2p financial platform are:
1, poor management, resulting in income can not cover the cost, the platform can not survive, because P2P as a platform charges two pieces of income, one is based on a certain proportion of transaction income, and the other is membership fee. P2P expenditure is a series of expenses needed to operate the platform.
2. Unreasonable design of trading mechanism leads to investors' misjudgment of credit, leading to bad debts and losses. The design of trading mechanism is the core point of P2P, and a good trading system can avoid many risk points.
In fact, this is a moral issue. Will there be loopholes in the design of the trading mechanism on the platform to conduct artificial loan fraud activities? Because the transaction data and credit review authority are in the hands of the platform, investors can't effectively review this information, and there is no way to judge whether it is true or not.
Extended data:
Matters needing attention in investing in p2p financial platform:
1. Before investing, you must have a full understanding of the platform. How does the platform keep investors' funds? Is there a third party to pay the hosting fee? Or call a private account directly. Be sure to know where your funds are going.
2. Another one can go to the online system of the Industrial and Commercial Bureau to inquire whether the enterprise is a real enterprise. If you can't find a company, then investors don't have to invest. Such a platform is just a fraud. i query discovered that some enterprises do not exist. Visit the company to determine the company's operation.
3. Whether the borrower's information is true and whether the borrower's information and loan contract, such as whether there is a mortgage contract, can be seen on the platform.
Baidu encyclopedia -P2P peer-to-peer lending platform
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