Financing Easy: How to judge the risk control capability of the 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.