NO.

Indicators

Meaning

1

Registered Capital (ten thousand)

As the capital investment of the registered capital, the assets that can form the P2P platform are the guarantee and basis for it to bear the operating risks and risk responsibilities.

2

Expected Rate of

Return (%)

It is used to characterize the variable cost of platform operation. Now that the online loan industry is increasingly standardized and operating costs are gradually rising, online loan platforms with high interest rates often have large investment traps, so investors get reasonable through P2P platforms. To some extent, the expected return reflects the robustness of platform operations and the effectiveness of risk management and control.

3

Transaction Points

An indicator used to characterize the trading volume of the platform. If the transaction score is higher, the transaction volume of the platform will be higher.

4

Popularity Points

An indicator used to characterize the number of investors and borrowers on the platform. The higher the popularity score, the more people will invest and borrow on this platform.

5

Liquidity Points

In addition to the liquidity of investors, the liquidity of the platform will also be considered. Net outflow indicators and future repayment pressure indicators will be established. For platforms with a shorter project period, the liquidity points will be lower.

6

Leverage Points

An indicator used to characterize the risk tolerance of the platform. If the leverage point is higher, the potential capital leverage of the platform is smaller and the risk tolerance is higher.

7

Dispersion Points

An indicator used to characterize the diversification of platform borrowing and investment funds. If the diversification score is higher, it indicates that the investment and borrowers of the platform are more diversified, and the operating risk of the platform is lower.

8

Technology Points

An indicator used to characterize the technical strength of the platform. If the technical score is higher, the stronger the technical strength of the platform is.

9

Transparency Points

An indicator used to characterize the transparency of platform information. The higher the transparency score is, the more open the platform information is and the more transparent the platform is.

10

Brand Points

An indicator used to characterize the popularity of the platform. If the platform brand score is higher, it means that its popularity is higher and it can be recognized by the lender.

11

Compliance Points

An indicator used to characterize the degree of compliance of the platform and the difficulty of compliance transformation at this stage. According to regulatory opinions, each business requirement and prohibited items are quantified, and the degree of compliance of the platform is graded.