Shulou(Shulou.com)06/01 Report--

Ezubao has been investigated for only a few days, but it has caused a lot of fluctuations in the P2P industry. The industry giant, which ranks fourth, falls down when it comes to it. The follow-up speculation and industry trends caused by this have filled the hearts of investors who have entered the bureau with unease, and the P2P industry is jittery for a time.

P2P, the full name of peer-to-peer network borrowing, was introduced into China from the UK in 2007. From the rise of Yu'e Bao to its sudden popularity in recent years, it has been regarded as the next tuyere of the Internet. The influx of all kinds of characters also makes the P2P industry seem to be dancing.

As the industry regulation has not yet been introduced, P2P has been in the stage of barbaric growth for a long time, and the stories of online platform and money run are staged alternately on this complicated stage every day. The investigation of Ezubao has also triggered investors' scrutiny and discussion on P2P security. After investigation, it is found that the chaos of the P2P industry is also reflected incisively and vividly on the security issue.

Lack of basic security awareness

In some of the well-known P2P websites observed by Wotong, the security construction is uneven. Take HTTPS encryption as an example:

Most of the P2P sites that can encrypt HTTPS are P2P sites with giant backgrounds, such as Ping an lufax, Alipay, SUNING Finance, Baidu Fortune and so on.

Large P2P sites such as Xihongling Venture Capital, easy loan and Love Investment have achieved the HTTPS encryption of the login page.

There are many unknown P2P websites that do not even encrypt the login page with HTTPS, so the important information related to investors' financial information is transmitted on the Internet in clear text, leaving great security risks.

P2P sites become the worst-hit areas of fishing.

According to monitoring data, an average of 195 new P2P phishing websites were added every month in 2015. These sites have a short life cycle, and in order to avoid blocking, multiple domain names are usually set to point to the same IP address.

According to the monitoring in the last two months, the visits to P2P financial phishing sites fluctuate in a zigzag manner: the reason is that P2P phishing websites shoot one shot to change places and complete the cycle of building stations online-> deception-- > closing-- > building new stations in just a few days.

How to identify the fraud platform

With a certain degree of security awareness and financial common sense, it is good to identify whether a platform is a fraud platform, usually in the following ways:

1. Whether the website is encrypted with HTTPS

Encrypting a website by deploying a SSL certificate can effectively protect data security. If you open a website with the prefix HTTP, it means that your data will be transmitted on the Internet in clear text. It is very likely that you have encountered a phishing website.

(green browser logo and HTTPS authentication)

2. Promote excessively high rate of return

Investment has always been a behavior in which risks and opportunities coexist. The higher the return, the higher the risk. When you see projects whose returns are much higher than the industry average, investors need to carefully consider the risks.

3. The authenticity of company information

The company introduces whether it is false, whether the filing and registration information is false, and whether the office address is true. These are the basic information that can be queried through the Internet. Investors must have a general understanding of the basic information before inspecting a P2P company.

Summary

For investors, it is necessary to be rational in the face of high interest rates and high returns, carefully examine the authenticity and security of the evaluation platform, choose a reliable platform to diversify investment, and maintain attention to the platform and projects at any time.

For the online loan platform, full attention should be paid to the security of user information and funds, and basic HTTPS encryption should be carried out for the website. Wotong provides enterprise verification OV SSL certificate and extended verification EV SSL certificate to provide developers with strict identity authentication and ultra-high security protection, and effectively protect data security.

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