Financing Easy: How to examine the risk control capability of a platform?

(1) It is necessary to know whether the platform has a dedicated team responsible for risk control.

P2P online lending platform cannot be invested without or without a risk control team.

According to the information disclosure requirements, the information of the risk control team should be publicized in the letter column of the website, but if a platform is not publicized, it must be cautious first. In addition, there are other simple operation methods.

For example, use Baidu and other major search engine search platforms to operate the company's recruitment information, and pay attention to whether there are relevant personnel recruiting risk control positions for a period of time. If there is no such position all the time, it will attract attention.

Usually, when we look at some problem platforms in the past, we can find that the positions for recruitment are cashier, operation, event planning, copywriting and customer service, but there is no risk control post. It can be seen that the focus of the platform is on operation, and it pays little attention to risk control, or even is absent. Such a platform is likely to be self-contained and publish false labels.

(2) If there is a risk control team, it depends on the relevant work experience of the team.

Generally speaking, hard P2P online lending platforms will have professional and rigorous risk control teams, and pay more attention to the construction of risk control teams, because this is the core of a platform's life and death.

When viewing the platform in the team introduction, you need to pay attention to the risk control person in charge of the team and the risk control personnel in related positions, whether they have experience in related industries and related positions, and their working years in risk control positions. Their overall experience can be judged from these contents. Generally speaking, it will be better for risk control personnel from traditional financial institutions to have a longer working life.

When we choose a platform, we may find that some platforms have little or no disclosure to the team. It is difficult for us to capture the risk control strength of this kind of platform, so this kind of platform can be considered as an imperfect platform at first, and then it can be considered as an imperfect administrative system and unclear position. After all, these are unreliable, so such platforms must be cautious when considering investment.

Common Risk Control Methods of P2P Platform

(1) Verify personal identification information

1. The ID cards of borrowers and their spouses (married) can be verified by the ID5 identity information verification and comparison system of Guozhengtong, or you can accompany the borrowers to open a new account in the bank to lend money, so that the bank can indirectly help you check the authenticity of the ID cards.

2, the borrower and spouse (married) household registration book and marriage certificate. At present, the household registration and marital status in China cannot be queried online, but only within the public security system, so this kind of information is mainly verified by ID cards.

3. Work income certificates, including but not limited to work cards (civil servants, employees of state-owned enterprises and institutions, listed companies, large and medium-sized enterprises), enterprise work certificates, business licenses and shareholder certificates. You can inquire through the company telephone and online enterprise information publicity system. In practice, this kind of information is often tampered with, and many people cheat loans from small loan companies and P2P online lending platforms by handling false work income certificates.

(2) Verify the asset certificate

1. Property right certificate: including property right certificate, house purchase contract, certificate of village (neighborhood) committee, effective judgment of court, etc. For real estate with property rights registration, you can go to the local housing management department to inquire.

2. Vehicle production certificate: vehicle registration certificate or driving license. You can check with the relevant vehicle registration department.

3. Bank flow: generally, the flow of the last six months is required, which can be verified on-site through online banking or telephone banking.

When choosing a platform, besides the risk control capability, the qualification of the platform and the information of platform funds are all part of our investigation.