2014 is an eventful year for the p2p wealth management industry. Due to the lack of industry supervision and the establishment of new platforms, the p2p wealth management industry is increasingly mixed. Among these adverse negative effects, the collapse of the p2p financial platform has become the biggest culprit. So what are the reasons for the collapse of the platform? What investors can see from the platform whether the platform is threatened by various risk of failure, the following small series will analyze the reasons for the collapse of the p2p financial platform. One: no supervision leads to a mixed situation As we all know, the current p2p wealth management industry does not have a formal regulatory system, which leads to a mixed mix of p2p wealth management industry. There are a group of speculative criminals who always want to take advantage of this empty space to do some illegal activities. Due to the low barriers to entry in the p2p wealth management industry, many speculative criminals choose to take risks and attract investors through high-yield and false propaganda. When investors invest in a certain share, the platform will choose to run. Second: the platform has no wind control Now many p2p financial platforms do not have a solid "backing" support behind them. The backing here refers to the offline financial company. Generally, no p2p financial platform of offline financial companies has its own risk control team. The risk control team is mainly a team that measures the risk of borrowing, which can minimize the occurrence of bad debts. If the platform does not have its own risk control team or the team is inexperienced, it will easily lead to large-scale bad debts, which will cause the platform's capital chain to break, and the final end will only be closed down. Therefore, investors must choose a platform with their own risk control team when selecting the platform. At the same time, they should check the experience and qualifications of their risk control team in detail. Three: self-funding of funds Now there are many offline entities that have begun to choose to establish p2p financial management. The purpose is to get more liquidity. At present, bank loans are more troublesome, so many entities have set their sights on p2p financial investors. They establish the platform, and the information that the platform presents to investors is the project or loan demand of the company itself. When an investor completes an investment, the company uses the funds to make a profit, such as production, sales, or other models. If the business is good, the investor's funds can be recovered. However, if the operation is slightly unsatisfactory and the loss occurs, these platforms cannot repay the investor's principal and interest, and most of them can only choose to close down and run. Investors should try to examine the nature of the platform before investing to see if it is a self-inclusive platform. If yes, please stay away. Investors must strictly review the qualifications of the platform before investing. Read the platform information in detail or conduct site visits to ensure the formality and security of the platform.