If measuredP2PThere is only one standard left, which one should be chosen?

Emerging in recent yearsP2PPlatforms, the industry is filled with various voices,In general, there are both good and bad. However, every emerging industry must go through a process of growth, and the unchanging rule of market competition is "survival of the fittest", So gradually moving from imperfect to stable and mature development isP2PThe industry is undergoing a process, otherwise it will only face a new round of market elimination.

Speaking of which, ifP2PIf there is only one indicator left to measure the industry, which one should be chosen?

Godfather, godfather, godfather. Say important words three times. There are many indicators to measure the quality of a platform, including shareholder background, executive background, work experience, whether there are historical blemishes (such as court enforcers), the authenticity of the target, industry risks, whether there is small diversification, whether there is collateral, the ability to realize collateral, whether the risk margin is sufficient, whether there is an investor committee to regularly draw bids to supervise the platform, whether the committee is fair and transparent, whether there are any tricks, venture capital background and strength, the strength of cooperative guarantee companies, whether the guarantee amount of guarantee companies has exceeded the limit, the proportion of top ten borrowers, the proportion of top ten investors, local government relations, specific revenue situation, employee quality, fund liquidity, historical negative information, industry reputation, public reputation, and ranking of various rankings, such as online lending. The ranking of Zhijia and so on

As for this issue, the most important indicator is undoubtedly godfather. As the saying goes, one white covers a hundred ugliness. No matter how bad the platform is, as long as the godfather is willing to cover it up, it will be fine in the short term; For example, Da Mai Wealth Management is the sixth company in China to complete financial managementcThe platform for round financing still has a dual background of state-owned assets and listed companies, and the repayment parties for platform projects are all500Strong, listed companies and large state-owned enterprises have guaranteed repayment strength. A platform covered by a godfather ultimately runs smoothly. To put it another way, no matter how powerful the platform is in all aspects, without the endorsement of a godfather, it always lacks something.

However, when selecting someone with a godfather background, please make sure to confirm that they are the real godfather. Last year's thunderous Three Rural Capital claimed to have obtainedAThe round led to a large wave of investors being deceived, but in fact, it never happenedAWhen choosing a platform, it's important to keep your eyes open and learn from multiple perspectives.

Finally, the question of leaving only one indicator may be a bit extreme. It is best to consider the platform comprehensively. A good godfather, healthy indicators, and considerable profits are the best platforms for the general public.