1. Background: Aiqianbang entered the peer-to-peer lending information intermediary platform under Fanpujinke Enterprise Development (Shanghai) Co., Ltd., which was officially launched on May 6, 20 14 with a registered capital of 200 million yuan. It belongs to a private platform.
2. The wealth management products include lump-sum deposit and lump-sum withdrawal+,lump-sum deposit and withdrawal+and scattered bid, and the expected annualized income is about 5.0%-9.35%.
3. Capital deposit and risk reserve of Huaxia Bank (259,879,900 yuan).
4. There is a special data disclosure page in official website, and the annual operation report has been disclosed, which mainly discloses the data of borrowers and investors.
5.20 14 12 The parent company obtained financing of 3 10/00000 yuan from Gao Rong Capital.
The recharge and withdrawal of Aiqian users are all operated through the online banking and banking system of third-party payment companies, and the corresponding funds are also deposited in the bank accounts of these institutions.
In addition, in addition to the mainstream risk control modes such as pre-loan review, post-loan follow-up and management, Aijianjin's loan amount is small, with an average of no more than 65,438+10,000 yuan. This principle of small amount dispersion also reduces the risk of investors to some extent.
In terms of loan project disclosure, Ai Qianjin disclosed information about the borrower, the whereabouts of funds, transaction records and so on. It's more transparent, but there are no pictures. It would be better if there were pictures.
Generally speaking, the monetary rate of return is at a medium level, and the disclosure of loan information is more transparent. Financial management is risky and investment needs to be cautious.