Tips For Risk Prevention In Financial Investment

< p > > the world's < a target= "_blank" href= "http://www.91se91.com/" > clothing < /a > a target= "_blank" href= "_blank".

< p > the word "risk prevention" is believed that most investors are not strangers, but others only stay at the level of "hearing more, knowing less".

And most investors have a common psychology, that is, as long as the platform does not appear on foot is safe.

It shows that the awareness of risk prevention is not very strong, ignoring the existence of other possibilities risks, and only when the investment platform runs, will it really start to panic.

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< p > the first P2B Internet financial platform in China has been handed over to the investors with satisfactory results since the "0 overdue" performance.

But in the Internet financial industry, there must be overdue phenomenon, in order to solve the overdue risk, each platform has different treatment and solution, among which the most common is to establish risk security.

Based on this problem, we interviewed the relevant responsible persons of the dry loan network, and made a correlation analysis of the overdue measures such as the platform providing users with 5% risk guarantee payments.

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< p > < strong > we should establish a risk awareness of overdue risks < /strong > < /p >

< p > in fact, the situation of "a href=" http://www.91se91.com/news/index_c.asp "> Finance > /a > platform risks is not only the phenomenon of running on the platform, but also other aspects, such as the sudden failure of the website to open, the withdrawals can not arrive on time, and the problems of personal financial accounts.

The leaders of the dry Loan Network reminded investors that both the platform itself and investors should establish a sense of "overdue" risk.

First of all, for the platform, overdue will hurt investors' confidence and enthusiasm, which is not conducive to the development of the platform.

Secondly, for investors, although there is no platform running directly to investors, there is a serious economic loss, but it is also a side of risk.

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< p > < strong > how much is the ratio of risk protection to enough? < /strong > < /p >

< p > since the platform overdue is a normal phenomenon. In order to protect the interests of investors, how much money should be used to solve the problem of advance payment? For this issue, the relevant stakeholders of the dry loan network have made detailed answers: each platform can not always be in the perfect state of this "0 overdue". Overdue and bad debts are unavoidable problems for any platform or even banks.

The bad debt rate of banks is around 2%, and the 5% of the loan amount extracted by the dry Loan Network for each loan item is used as a special risk guarantee to solve the problem of overdue payment. The 5% extracted is far higher than the bad debt rate of 2% of the bank.

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< p > for 5%, there are two main considerations: first, to strengthen the platform's ability to control wind and control, to build up more security measures, namely, the risk guarantee fund, to solve the possible overdue problem; two, to strictly control the bad debt rate, compared with 2%, and establish a 5% risk guarantee fund, which can completely solve the problem of overdue payment and protect investors' funds from overdue influence.

The risk and impact of excessive bad debt rate will be huge and unscientific. Investors do not have to take risks to pay for the healthy operation of the platform.

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< p > < strong > > how to pay the risk premium when overdue? < /strong > < /p >

< p > many P2P or P2B platforms have established a risk guarantee solution to solve the problem, but many investors will ignore some of the details.

For example, under what circumstances is it regarded as overdue? How does it appear to be overdue? What is the amount of advance payment?

Qian loan net relevant person in charge analysis, before running Xin Xin loan has promised that once the bad debt overdue, only the platform's VIP can get a certain proportion of compensation, obviously, similar "risk guarantee money" is opaque is not rigorous.

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< p > the dry loan net will pay the monthly repayment date 24:00 before the borrower fails to pay the repayment amount of the month, or the loan item that the borrower fails to repay the loan principal in advance before the 24:00 date of the loan is deemed to be overdue.

When the loan item of investment is overdue, the risk guarantee will be set up to advance the principal or principal and interest of the remaining loan that the investor has not returned to the overdue item. This is used as a precautionary measure to protect the investors' funds in time and avoid losses, so as to protect the investors' interest and interest at the first time.

He reminded everyone: in order to ensure the safety of financial management, it is very necessary to make clear the advance payment before investing.

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< p > < strong > healthy development to create a safe and financial environment < /strong > < /p >

< p > finally, the head of the dry Loan Network said that as the first platform in Guizhou Province, the P2B Internet < a href= "http://www.91se91.com/news/index_s.asp" > Financial Management > /a > platform, is the middle platform between small and medium-sized enterprises and investors. It has always adhered to "healthy development, safety and financial management", and optimized and perfected the product design and risk control capabilities, so as to ensure that all borrowing projects are safe and controllable.

Based on the safety of investors' funds, a platform environment conducive to safety and financial management should be built, and no edge ball or fluke psychology should be firmly resolved. Otherwise, it will violate the development of Guizhou's small and medium-sized enterprises, and expect to become the original intention of the Internet Financial sincerity letter brand belonging to Guizhou's "Li, Li, min and Li" society.

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