Youwo Loan is a leading online P2P credit investment and financing platform in China (a product of Internet finance ITFIN), a practitioner of financial reform, focusing on the capital development needs of small and medium-sized enterprises, self-employed households and farmers, and has long been committed to the construction and improvement of the national credit system.
Your P2P peer-to-peer lending platform was established in June of 20 1 1, which is a pure third-party online credit investment and financing service platform.
As a third-party service platform, you and I don't absorb deposits or lend money, but only provide a series of related services such as credit consultation, evaluation, recommendation, fund adjustment and docking, and build a bridge for investors and borrowers to allocate funds.
Your loan platform is independently built and operated by Shanghai Jiayin Financial Services Co., Ltd. (formerly Shanghai Jiayin E-Commerce Co., Ltd.).
2065438+In August 2008, you and I signed a contract with China Judicial Big Data Research Institute, becoming the first mutual gold member enterprises to access judicial data.
19, 10, your parent company Jiayin Jinke is listed on NASDAQ.
Basic content of platform loan
Loan scale
Recently, the China Banking Regulatory Commission said that the loan risk of local financing platforms is generally controllable, but there are still some problems: the compensation risk of local governments is increasing; Many platforms turn to trust, wealth management, bonds, capital allocation and other channels to alleviate the funding gap, but the ultimate source of these funds is still mainly banks; In the next three years, local governments will still be in the period of centralized debt repayment, and financing platforms will continue to face the pressure of centralized debt repayment.
Guo Tianyong, director of the Banking Research Center of the Central University of Finance and Economics, believes that the smooth transition of platform loan risks can buffer and release risks, avoid the concentrated outbreak of risks in a short time, and reduce the risks of banks.
Regarding the risk management and control of platform loans, the relevant person in charge stressed that it is necessary to continue to do a good job in the statistical ledger of loans due, and banks should count the amount of platform loans due this year, the source of debt repayment funds and the actual repayment situation on a monthly basis, communicate with local governments in a timely manner, and take measures as soon as possible to avoid major defaults. At the same time, banks as legal persons may not increase the scale of platform loans.