Rongbei.com is an information intermediary platform in P2P lending operated by Rongtai Haoyuan (Beijing) Network Technology Co., Ltd. (hereinafter referred to as Rongbei.com). Rongbei. Com was founded on 20 14. It is an enterprise in Beijing Internet Finance Industry Base. The founding team members are all from the fields of finance and Internet, with rich industry experience and deep understanding of the field of Internet finance.
Rongbei. Com is a professional investment and financing information service platform. As an enterprise in Beijing's Internet finance industry base, Rongbei.com and other enterprises in the park are exploring the Internet finance service mode.
Although there are financing guarantee companies to escort investors, Rongbei.com will still strictly control the loan amount, which is generally between 6,543,800 yuan and 6,543,800 yuan. The platform has three "products" when selecting projects and conducting due diligence on projects: personality (repayment willingness), product (repayment ability) and collateral (default cost).
On the one hand, the safety of funds requires the safety and reliability of the project, on the other hand, the hardware technology of the website should also be supported. Rongbei. Com makes full use of the current Internet technology to back up and encrypt all data information, double-layer encrypt and verify sensitive data to prevent data from being tampered with, and uses active real-time backup mechanism to ensure data security.
Rongbei. Com is not a self-financing platform. All projects released by Rongbei. Com is guaranteed by the financing guarantee company in full principal and interest. In order to ensure that the guarantee company's guarantee is in place, it is prepared. Com selects guarantee companies through credit rating system and third-party research. The cooperative institutions are all guarantee companies with financing guarantee institution license, registered capital of more than RMB 1 100 million, long operation time and sound operation concept. Rongbei requires the guarantee company to withdraw the deposit corresponding to the creditor's rights before the project goes online and deposit it in the supervision account to ensure that the guarantee company can fulfill its compensation obligations in time when the project risks.
Although the guarantee of the guarantee company can play the role of credit enhancement, Rongbei.com itself still follows strict pre-lending audit and continuous post-lending tracking. It takes about one to two months for a project to go online from the beginning of research. During this period, the project personnel and the risk control personnel will start the investigation from the most basic water and electricity charges of the enterprise, including the historical credit situation of the person in charge, the suppliers and sales channels of the enterprise, the running of the bank, the operation situation in the past three years, the credit situation and so on. However, the guarantee company and Rongbei are independent in project inspection, and adhering to the principle of independent project audit is also the main reason why Rongbei.com can continuously select high-quality projects.
Rongbei. Com aims to build a safe, transparent and inclusive Internet financial service platform. The starting investment standard of 65,438+0,000 yuan greatly lowers the financial management threshold, gives full play to the transparent and efficient characteristics of the Internet platform, and contributes to the promotion of inclusive finance. Speaking of which, there is one more important thing to add. Lending is risky, and investment still needs to be cautious. (Computer: Xiao Xin Airlines 15 Open QQ browser version 10.8.4506.400)