Cloud-linked loan security editor
100% principal guarantee plan
1. I manage my money on the cloud-linked loan platform. Will the platform run away with money?
Lianyun Loan is a financial service platform under Hebei Mashi E-Commerce Co., Ltd., which has been established for more than ten years. It is conservatively estimated that the market value is over 100 million, and there is no loan and no debt. Its corporate culture, social responsibility, business philosophy, popularity, influence, and support and attention from national to local leaders are all obvious to all, so the operating cost is too high, and there is no need to worry about the platform's money fleeing.
2. I am financing in Lianyun loan. What if the borrower defaults and fails to repay?
Since the operation of the cloud-linked loan platform, there has never been a vicious incident in which the wealth management manager cannot recover the principal and interest. Because:
1) The borrowers on the platform are all small and micro businessmen, and the loan amount is mostly below 500,000. Loans are mainly used for business turnover, and the platform risk control center strictly examines and tracks each borrower before, during and after the loan. So the probability of bad debts is extremely low.
2) All loans of the platform are jointly guaranteed by guarantors with corresponding strength or guarantee institutions with corresponding qualifications. If the customer is unable to repay due to poor management and other factors, the guarantor will repay unconditionally.
3) The platform capital preservation plan protects the wealth management manager's funds from loss, and the platform has a risk reserve fund, which has been publicized on the platform for public inquiry.
3. What is the principal protection plan?
"Principal Protection Plan" is a credit risk-taking mechanism established by Lianyun Loan to protect the rights and interests of all wealth managers on the platform. After all the wealth managers on the platform have passed the identity authentication, their investment behavior on the platform is applicable to the "principal protection plan", and the wealth managers do not need to pay any fees for it.
4. How does the Principal Protection Scheme work?
When each loan on the platform is transacted, a certain percentage of the amount is withdrawn and put into the "risk reserve account".
In loans overdue, the remaining loan principal or loan principal and interest shall be paid to the wealth management manager through "risk reserve" in accordance with the "Rules for the Use of Risk Reserve Account" (the specific situation shall be subject to the specific advance rules for the type of investment target).
Account and information security
1, website technical support
Yunliandai adopts advanced security technology to protect users' personal information, account information and transaction records stored in Yunliandai account. Yunliandai has a perfect security monitoring system, which can detect abnormal visits of websites in time and make corresponding security responses.
2. Rights management guarantee
Lianyun Loan strictly abides by relevant national laws and regulations to protect users' private information. Without your consent, Lianyun Loan will not disclose your personal information, account information and transaction information to any third-party company, institution or individual (unless otherwise stipulated by laws and regulations).
3. Third-party fund custody
At present, Lianyun Loan keeps its clients' transaction funds in full accordance with the standard mode of "earmarking", so Lianyun Loan clients' transaction funds can be completely assured.