1. What are the methods of bank deposit?

　1. Several ways of bank depository?
　　The first one is third-party payment + bank depository. The so-called joint depository is the "bank + third-party payment company" joint depository model, that is, the bank and the third-party payment company cooperate to launch a joint depository plan, and the depository bank opens a platform depository account and is responsible for user account supervision and fund depository. Function, third-party payment acts as technical assistance, providing fund settlement and required terminal equipment. One of the benefits of this model is the convenience of docking, which was once popular with the platform. But after the new regulations, the joint depository model was gradually rejected.
　　The second is the direct bank depository model. Bank direct connection means that the P2P online lending platform directly opens a payment and settlement channel with the bank, without the need for recharge and withdrawal. During the transaction process, the investor directly trades online through the bank, and when the money is returned, the funds are directly returned to the investor's investment account. In terms of transactions, investors directly operate online through the bank, and enter and exit the same account. It can be understood that the platform and the bank are in an embedded relationship, and there are relatively few platforms using this type of depository model. The biggest advantage of this model is its low cost because it uses the bank's payment channel. The disadvantage is that the investment experience is poor.
　　The third is the direct depository mode. This mode is the most common and most recognized mode, and it is an optimized version of direct bank connection. The bank opens separate accounts for investors and borrowers to isolate funds from the platform and prevent the platform from operating funds for other purposes. At the same time, it also opens separate accounts for risk reserve funds for the platform. The flow of this fund will be subject to the bank's control. Full monitoring. The cost of the early stage development system of this model is relatively large, and there are certain requirements for the platform.
There are several ways
　　of p2p bank depository. 2. Can you rest easy after bank depository?
　　Bank depository is only one of the means of platform supervision. In fact, the most important thing to guard against is the moral hazard of the platform. First, the platform can induce investors to open account authorization through the background settings, and the platform can access user funds. If there is a problem with the platform, it can take the money and run away; secondly, the depository does not verify the authenticity of the target, and the platform can forge the target Financing and even setting up a capital pool.
　　Summarize:
　　When the bank connects with the platform, it will indeed conduct a certain review of the platform, which can bring a certain credit endorsement to the platform, but it cannot completely prevent the risk of capital pools. Investors can use it as a reference when investing, but they should not be superstitious about bank depository, and still need to refer to other factors to analyze the safety of the platform.