I. Basic information
According to Huama's survey, Heng Chang, headquartered in Beijing, is a comprehensive service company that provides wealth management and loan consulting services and docking, credit risk assessment and management, and credit data integration services. , and opened a branch in China. At present, it claims to have spread all over the country in more than 20 provinces, municipalities and autonomous regions and more than 200 cities. From the background and scale, this platform is strong enough. After all, there are still a few people who cast nets everywhere like this. Heng Chang's team, judging from the resumes of the two bosses introduced by official website, is awesome and belongs to the category of ignorance;
Second, the project
Focus on the platform's financial management projects. The platform has no random bidding for specific investment. All projects are invested in the form of cash pool, and what can be seen externally is the term, expected income and specific capital flow, which is really unacceptable to lz. As a high-risk investment channel such as online lending, the most feared thing is that it is not transparent enough. For such a project, the transparency is 0.
Third, risk control.
When it comes to risk protection, the platform lists three types of risk protection:
1. Capital flow guarantee, third-party payment cooperation;
2. Decentralize contact and introduce international leading risk control scoring technology;
3. Repayment risk guarantee; For the first point, third-party payment can only say that the money collected by the user cannot be lost. This security has nothing to do with the principal and interest guarantee itself; The second point is a bit ridiculous. No matter how to score, it is still the evaluation of borrowers in all dimensions. Investors can't see who the money is lent to. The same 100 yuan, is it safe to borrow more people? Besides, where is the international leader in scoring? Third, if you are sincere in looking for a deposit, the key is to tell others that there is a deposit but there is no data, which is not as reliable as financing guarantee. Lz is very strange. For a platform with such a hard background, why can't you find relevant data and information on major third-party websites? Lz is very confused, for example, looking at the flow of funds and loan repayment, the platform page itself has no statistical data in this regard, so it is impossible to know the operation of the website.