Some people need money, want to loan financing! Some people have a large number of idle funds. With the fast development of the Internet, the net credit was born. The attendant risks also produced, people borrow money still can not activate enterprises, debt is not on, and what is more, some people use false means to borrow money from investors, then decamp. And from the second half of last year began to appear the phenomenon Run away net credit company, search P2P news in Baidu, are a series of negative reports, shocking. The industry has been misunderstood, even demonized, is disadvantageous to the development of some companies in the industry.

   Network lending is actually open, network of small private lending. In theory, the P2P net credit platform is engaged in financial business, but these platforms do not have the financial intermediaries should the financial license, business registration is more "consulting" company. The company is engaged in the financial business, like the original pay treasure, the legal level is inconclusive. Because the traditional banks have not caught on this piece of business, so a lot of hot money, but give a chance to.

   According to incomplete statistics, at present, nearly 300 home network loan company, last year the domestic industry and credit transaction size estimation reached more than 20000000000 yuan. But compared with the normal bank lending, which is a new type of folk lending channel with no clear rules of the industry, but also the lack of supervision, frequent failures, also let the people of this mode can go far in doubt. P2P market dragons and fishes jumbled together, net loan to decide on what path to follow?

P2PNet credit how operation?

   "Although folk for the microfinance demand is very strong, the company also to some extent to meet these needs, however, for network lending this new thing, no previous or law to tell them how to go, but they didn't know how to get it right." An analyst who declined to be named said.

   Speed can loan to person in charge Wang Lei said, in the face of risk, more and more platform began to use the principal protection mode, as investors such as cannot receive the expected revenue, net credit platform will advance the principal investor, ensure safety of principal. After paying the creditor's right to the net credit platform, change the mode, to ensure the safety of principal and seemingly risk investors. However, the net credit platform is not a bank, even if banks are unable to take on more debt, America subprime lending crisis is enough to prove that any financial institution or platform, its own risk management ability is limited, there can be no endless capacity.

   The solution is to improve the quality of loans subject to improve. This means that the net credit market can really develop future, net credit platform only has the professional talent, knowledge and ability to manage and control risks. It is understood, now each net credit platform are called on lenders qualifications do comprehensive examination, however, net credit platform at the management level is uneven, and even many in the fish in troubled water state.

   It is understood, at present the net credit market, the borrower audit generally limited to several aspects, including personal assets, bank account ledger, personal contact, the purpose of the loans audit. Use of these aspects of the audit proof of identity and loan a borrower is not a problem, only is the lack of repayment ability. The credit net claimed net closed the loan is for a housing mortgage loans, the customer's home to three mortgage, strictly speaking, this is made a low-level professional mistake, obviously the loan of housing mortgage loans, the credit deficiencies of professional.

   This much professional knowledge platform also is same, why can not control the risk? The reason for that the borrower's business project risk control is not scientific, the lack of operating the project market, products, business and the small and medium-sized enterprise debt situation of lack of corresponding research and analysis, simply from the number of study, accounting. As for small and medium enterprises, its own risks, not only with the risk of the industry, at the same time and the operator's management ability are closely related, as a net credit platform how to control, so far, there is not much home net credit platform can truly, speed - this piece of audit since operation, has accumulated rich experience and ability. Although not 100% guarantee, but obviously put the risk control in the reasonable scope.

P2PNet loan outlet where?

    The first is to dare to say "no"

   For the loan threshold, according to their own risk capacity, should have a definite object in view. Not only to ensure the safety of funds investors, also want to ensure continuous operation net credit platform itself. Someone says, net loan should be docking with bank credit system, it can effectively reduce the degree of risk, fundamentally speaking, as the net credit platform should be able to withstand the temptation is the right way. Itself is an operational risk management platform, their risk can not ignore.

   The second is to dare to do "fine"

   The net credit platform now seems to be that what the subject can be through the net credit platform to obtain loans from the banking system, however, is not difficult to find, bank lending is selective, borrowing the comprehensive selection criteria not only from the borrower qualifications, also including the bank preference for loan groups, as a kind of preference enterprise, a certain industry, certain products such as. As a private net credit platform, there should be more precise positioning of their own, only to comfort level refinement and borrowers more high, to control the risk from the fundamental consciousness. For example, between the net credit platform cooperation with industry associations, the association strength more scientific measure of qualification and the repayment ability of borrowers from, rather than a layman to measure more accurately.

    The last is to dare to do ""

   The rise of network - just a few years, the industry is in its infancy, is essentially in the groping stage, as the net credit platform, not only to the use of the chance to develop, walking is also a very important professional road. And specialization, we should introduce professionals, in addition to professional management, finally is a professional service. Only to do professional, a net credit platform of value can be embodied, can be very good to control the risk, also is the industry and credit right.

   Now, to the experts, from investment loans to individuals, are to review financial policy regulation, credit system and urged investors should be rational, but all this is not the answer. A macro micro macro, micro level, as a net credit platform, operation management and development itself is also very worthy of serious consideration. Above represent only individual opinions, hoping to be on the net credit market help.