Point 2: look at the mortgage. The p2p platform is a credit loan or a mortgage. If it is a mortgage, it depends on what the mortgage is mainly, such as real estate, vehicles, etc., the loan risk of the mortgaged property is much smaller than the credit loan. If there is a risk, the company will sell the mortgage of the borrower to the investor. Wealth managers say that not only the collateral, but also the mortgage rate, which is the percentage of the value of the debt and the collateral. The mortgage rate is mainly to prevent the mortgage from not sufficient to cover the debt. If it is not, the risk of investment will increase and the situation of repeated mortgage will be avoided. Google just announced financial results for its fourth quarter that ended on December 31st 2013. According to its earnings report, the search giant's gross total consolidated revenue was $16.86 billion, a growth of 17% when compared to the same quarter this past year. Its segment revenue were only available in at $15.72 billion, a 22-percent jump year-on-year over 2012's numbers that have a revenue of $12.91 billion. Point 3: look at the process. The trust process of p2p platform is not strict, including the borrower's identity review, professional evaluation investigation, comprehensive audit risk, mortgage notarization, etc. In January, Ikano's top account paid 2.05 PC, while Secure Trust Bank now pays 2.51 PC. Interest determines the regularity of prescriptive (interest this qualitative rules will determine the amount of the rules), the amount of interest depends on profit, interest rate depends on the average profit margin. Marx further pointed out that, between average profit margin and zero, interest rate depends on two factors: one is profit margin; The second is the proportion of total profits allocated between lenders and borrowers.