In the current financial markets, the rapid rise of the P2P network lending platform has not only changed traditional financial patterns, but also promoted financial innovation. Mele borrows as a home-led P2P network lending platform, attracting large numbers of investors and borrowers with low thresholds and high returns. As a P2P platform, lending must meet a certain level of credit and wind control, as well as a certain level of qualification and risk tolerance for investors。

first, the letter-writing requirements for borrowers are very strict. on the one hand, borrowers must have a mainland chinese identity card number, 18 years of age or older, and there are no poor records. on the other hand, the credit rating of the borrower must be limited to a systematic review. at the same time, through a desk review, the lenders' personal data and liabilities are investigated to ensure the reliability of the borrower's ability to repay。

second, qualification requirements for investors are also high. investors must have a legal identity and a stable source of income and must be registered and certified on the web site. in addition, the investor ' s risk tolerance must meet the platform ' s requirements to ensure that risks can be absorbed in the lending process. for ordinary investors, it also provides risk assessment tools and portfolio diversification tools to provide investors with more scientific investment options and advice。

in addition to the above requirements, it also has other means of risk monitoring and wind control, based on large data technologies, and the platform has good risk-control and risk-dispersion capabilities. in addition to the requirements for borrowers and investors, the lending process has created a comprehensive approval mechanism and repayment system, and even a dedicated project risk management unit to monitor repayments around the clock, detect overdue risks in a timely manner and provide a more secure and secure investment climate for investors。

In short, as a lending platform for the P2P network, the requirement for borrowing on letters of credit stems from its strict control over risk control and the ability of borrowers to repay. The rights and interests of both borrowers and borrowers can be safeguarded only after strict letter-of-assist requirements have been met. Of course, for investors, there must also be a degree of financial knowledge and a sense of prudential risk in order to better avoid possible risks and achieve higher returns。