Internet financial investors) How to identify high-risk platforms?

Concerned about the development of the industry for 3 years, personally think:

First look at the platform background, banking department, state-owned assets department, listed company department and so on. , relatively safe, but the interest rate is relatively low;

The second is to look at the business model and the asset qualification corresponding to the target. At present, there are various models in the market, such as real estate mortgage, bill pledge, supply chain finance, guarantee and factoring. Dazzlingly recommend real estate mortgage in big cities (after all, house prices are really high), bill pledge of big companies (big companies have strong ability to pay), and supply chain finance (core enterprises are of high quality enough);

In addition, compliance, because now in the rectification period, the more compliant the enterprise, the better the quality. I voted for lufax. Hope useful to you