P2P market is ef a fairy tale of the two cosplay entering a predators: the people's livelihood on the line to give up electricity supplier P2P secured mode i dark horse small series in the previous article mentioned the prospects of P2P, and once said before, many predators have sufficient admission that the market outlook P2P, why doubt! This does not, another predators here! It is worth noting:
First, the livelihood of the P2P platform would give guarantees, investors need to identify themselves risk borrowers; secondly, people's livelihood and the livelihood of P2P bank has no direct equity relationship. I do not even think about stocks and the like. Livelihood concerns about long electricity supplier P2P platform finally sailor moon wigs on the line. Yesterday (July 14), 'Daily News' reporter learned from informed sources, Minsheng electricity supplier's P2P platform \u0026 mdash; \u0026 mdash; easy loan today formally launched the people's livelihood, people's livelihood and the layout of the Internet finance electric pace formal step out. The informed sources, Minsheng easy loan platform and the biggest difference between the moment a lot P2P platform has two aspects: the platform does not provide investors with security commitments; at the same time, the platform release of the financing needs of prices expected annual yield of 6% about. P2P from the current regulatory thinking, the people's livelihood platform does not provide investors with easy loan guarantee well understood. However, about 6 percent of its financing needs price expected annual rate of return, and the existing large gap between interest rates P2P platform. Reference bank risk control system in April this year, the CBRC held a press conference, requiring P2P net loan can not exceed four boundaries: First, we must define the nature of the intermediary platform; second is to clear the platform itself can not provide security; the third is not be normalized Set funds in a pool of money; four or illegally absorb public funds. From now, the regulations require the platform itself can not provide guarantees primarily to reduce the risk of gathering platform, did not allow a third-party security company proposed to provide security. Currently, there are a large number of P2P platforms and third-party security companies have cooperative relations. Minsheng easy loan only as a financier and investor matchmaking platform for Internet information and does not provide investment guarantees to investors, even with third-party warranty companies do not cooperate, then how they cover risks? According to the aforementioned source reports,
Minsheng easy loan guarantees are not willing to cooperate with third-party companies, mainly because the third-party security company can guarantee to provide Cosplay Costumes 10 times the size of the company's capital as a P2P platform (P2P companies such as registered capital of 1 billion, the size of the security company can provide guarantees 10 billion), while many high security company's guarantee fee, generally about 2% to 5%. \u0026 Ldquo; Many P2P companies were later set up their own subsidiaries guarantee, to a certain extent, can reduce costs, but is in fact a guarantee for their own, once the risk of principal and interest, are difficult to protect. For these factors to consider, Minsheng electricity supplier decides not to provide investment guarantees to investors commitments. \u0026 Rdquo; said the aforementioned source said. For risk control, the aforementioned source explained that the livelihood easy loan through a bank-level risk control means for financing the project scrutiny, requirements and financing projects must have a good self-liquidating capability, \u0026 ldquo; The platform is borrowed from the wind controlled banks system, strict checks to investors. \u0026 Rdquo; Previously, China Ping An chairman Ma Mingzhe has said Lu gold will be \u0026 ldquo; \u0026 rdquo ;, phasing guarantee risk criteria to build assets, with the five-star, four-star, Samsung marked out in this way for investors to judge and selection. For traders, it will establish a similar credit standards. According to the reporter, Minsheng easy loan commissioned party payment companies and banks manage investor funds, do not handle financial transactions and avoid capital pool, pool of assets, not maturity mismatch. Electricity supplier business has been noticed and financial bundling 'Daily Economic News' reporter, Minsheng easy loan financing needs publish prices were expected annual yield of around 6%, compared with other P2P platform, a lot lower. Informed sources explained that the platform project and bank-level review of the same, to financing human capital flow estimates, and can not take collateral loan collateral process if the problem occurs also take a long time, because financing assets After strict checks are relatively high, the price can not be so high, in fact, is a reference bank financing, a little bit high. While the people's livelihood is not easy loan guarantee, but requires that all projects have guaranteed source of repayment, also called financiers have certificates of deposit, bank, financial assets as collateral, the pledge on the platform, and to the relevant bank to implement collateral investigation.
Minsheng Bank (6.05, 0.00, 0.00%) and the people's livelihood electricity supplier has no direct stake in the relationship, in the previous insider view, Minsheng electricity supplier and Minsheng Bank is a sister unit. However, it is worth noting that, before this, mainly located in the Minsheng Bank is a direct bank to sell financial products, and plans to launch micro-loan products, which will result in cross-business on? \u0026 Ldquo; in fact, this matter has been discussed livelihood electricity supplier, but more and livelihood P2P platform electricity supplier concerned, direct bank entirely online operation of banks, there is no conflict. \u0026 Rdquo; Informed sources said that from the current situation, people's livelihood and electricity providers have tied the e-commerce and finance.