Is your loan and your finance family?

You and I are a Shanghai online lending platform, and the full name of your financial company is Shenzhen You and I Financial Information Service Co., Ltd. These two companies are not the same.

The mode of financial management for you and me is that the borrower directly issues the loan target through the platform, and ensures the authenticity of the loan target through a mode similar to ant flower staging and credit card staging. As can be seen from your financial platform, the target amount of your financial loan is no more than 65,438+0,000 yuan, and the longest period is no more than 6 months.

Because the loan amount is not high, and there is no physical collateral, you can apply only with the credit score and sesame credit score of your financial platform, so many borrowers in your finance are people with low academic qualifications and unstable jobs. Such an investment platform still has certain risks for investors. If investors want to invest in this platform, they can try to choose the loan object with stable work and relatively high academic qualifications when choosing.

For this kind of P2P financial platform, because compared with bank deposits and other financial management methods, the income from investing in P2P is much higher, so many investors who pursue high returns will choose this kind of platform to invest. High return on investment also means high risk. Many borrowers of these P2P investment platforms are not even qualified to borrow from regular banks, so investors' funds are vulnerable to losses when borrowers are unable to repay and have no equivalent collateral.

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