What kind of mentality should investment P2P financial platform have

2013 was a year of rapid development of Internet finance, especially the emergence of baby financial products led the entire industry to another big leap. Many people are naturally exposed to P2P lending at this time, and I want to say that the rapid development of the entire industry in this period is not a coincidence but a natural result. Optimistic about the future situation of P2P online lending industry: Why do you say so? First of all, in China, we all know the problem of corporate financing. There are about 42 million small and medium-sized enterprises in China, accounting for 99.8% of the total number of enterprises, and the number of small and medium-sized enterprises is about 4.6 million individual and private enterprises up to 38 million. With the rapid development of small and medium-sized private enterprises, they also encounter many problems. Among them, the shortage of funds and the narrow financing channels have become an important problem restricting the development of small and medium-sized enterprises. At present, only a small number of well-known enterprises can successfully obtain loans from banks due to the tightening of bank loans, and the vast majority of enterprises are difficult to obtain financing from banks due to their own characteristics, weak solvency, small financing scale, poor financial standardization, lack of governance mechanism, weak ability to resist risks and other problems. They generally obtain funds needed for development from underground banks, private funds, investment, and guarantees. P2P platforms rely on the powerful traffic of the Internet to provide a way of exchange for those enterprises in need of financing and investors in need of financial management. Don't be dazed by rewards: Rewards are the most common means of P2P online lending platform marketing, bidding rewards, recommended rewards, continued investment rewards, offline recharge rewards, points lottery, etc., the use of rewards is also a small return, but remember not to be dazed by rewards. It is best to bid according to their own judgment and evaluation of the platform to reduce or increase, clearly you are only ready to invest 1W to see the platform to do activities in order to get rewards invested 5W, but have not had time to harvest this kind of people have been set, there are people! Reward us to earn, and to earn rational. This for the new people must pay attention to. In Yu Shang loan investment for a year, the platform did not engage in a second mark activity in order to attract investment customers, engage in such activities of the platform, the early stage is just to attract a large number of investment customers, once the time is ripe is likely to have a bad move. Yushang loan is generally a normal bid investment, the interest rate is also very stable, around 18%. In addition, although there is no clear reward, but it is very preferential for investment customers, registered VIP members free annual fee, top-up and withdrawal do not charge any fees, the platform does not charge any management fees, continued investment and offline top-up and rewards, this part adds up to a small income. Therefore, it has always been in this robust platform to choose the right investment projects. Online lending after the development of the past two years is gradually moving toward formal, platform development will be better and better, so choose the right platform investment must be rational, do not blindly pursue high interest irrational, and finally the principal income is not. When investing, we must pay attention to mentality, rational, safe and diversified investment, so as to maintain long-term returns.