Risk management is mainly to avoid and transfer uncertain risks in life, such as emergencies in daily life. Financial planners suggest that a thoughtful life should be a combination of defense and attack. Tongchuang Wanli Wealth Management Company can handle all kinds of situations calmly. Tongchuang Wanli Wealth Management Company advocates that the safety of family structure should be considered first from the pyramid level of financial structure, so it advocates that the rear defense should be done first, and then the front attack should be carried out. Risk management can be divided into emergency fund preparation and insurance guarantee establishment.
Risk control of wealth management products
Strict credit review
Decentralized loan
Risk reserve fund
D the guarantee company guarantees the whole process of the loan contract.
E house mortgage or vehicle pledge
It has the bright spot different from other P2P companies.
The first point is that the risk reserve fund withdrawn by the company at 2% is supervised by Guang 'anmen Sub-branch of Industrial and Commercial Bank of China (while other companies are only in custody, and their companies can withdraw or use the funds in this account at any time), and the company has no right to automatically use the funds in this account, and ICBC requires the company to freeze the funds in this account from the date of announcing the suspension of wealth management business in the future, and the company can only take it away after one year without complaint;
The second point is that the guarantee company guarantees the whole process of the contract between two lenders, which can realize the rigid payment of customers' funds;
Iii. House mortgage: The company will register the lender's house mortgage. In this way, once the debtor is unable to repay, the company will auction its collateral at a mortgage rate of 40%-50%; Vehicle mortgage rate is 20%-30%.