Sack financing
1. Platform background: Sack Finance is a P2P platform controlled by CITIC Industrial Fund, with a registered capital of 1. 1 billion yuan, which belongs to a platform with relatively strong assets.
2. Bank deposit: Sack Finance is deposited in Xiamen Bank and selected as the first batch of bank deposit whitelist.
3. Product yield: There are mainly two types of products: excellent storage and excellent investment. The product yield is between 5.5% and 9%, which is not high in P2P platform.
4. User reputation: The platform is a member of CITIC Group. Although backed by large groups, the income is low, but there is no negative news. It is a highly secure platform.
5. Cash withdrawal to account: the time for cash withdrawal is T+ 1 working day, which will be postponed on weekends and national holidays.
Extended data:
P2P investment and financial management:
"P2P" means "person-to-person", which is a new generation of private lending form closely related to innovative technologies and innovative financial models such as the Internet and microfinance. It provides transparent, open, direct and safe micro-credit transactions for familiar or unfamiliar individuals to the maximum extent.
P2P financial management model has just emerged, and it has been favored by many high-end people. P2P not only has the characteristics of profitability and security, but also helps individuals realize the value of social welfare, which makes the innovation of financial management model reach a new height.
What is different from other wealth management products is its inclusive effect. While realizing wealth management benefits, through the construction of the platform, the wealth management terminal can directly help the lives or work of ordinary people and fill all aspects of social life that large financing institutions do not touch.
With the development of various P2P financial platforms, the P2P industry itself is also evolving. For example, in the initial peer-to-peer, P2C (person-to-company) online lending platform has emerged, and the Internet finance industry is further moving towards vertical segmentation.
P2I industrial chain finance (person-to-industry chain) is also a new model of Internet finance evolved from P2P development. It is an innovative trading model that deeply integrates internet finance and plastic industry chain through agent purchase or agent sales of dunners. Provide electronic and modular information, transaction, financing, settlement, warehousing, logistics and other comprehensive services for upstream and downstream enterprises of plastics, and help customers of plastics industry realize the integration of information flow, business flow, capital flow and logistics, thus speeding up the flow of goods and funds, improving transaction efficiency and reducing transaction costs and risks.
Up to now, many models are derived from the concept of P2P. There are more than 2,000 P2P lending platforms in China, and the platform models are different, which can be summarized into the following four categories:
First, the guarantee institution guarantees the transaction mode, which is also the safest P2P mode.
As an intermediary, such platforms do not absorb deposits or lend, but only provide financial information services, with double guarantees provided by cooperative small loan companies and guarantee institutions. The trading mode of such platforms is mostly "1 many-to-many", that is, a loan demand is invested by multiple investors. The advantage of this model is that it can ensure the safety of investors' funds and is jointly guaranteed by large domestic guarantee institutions. In case of bad debts, the guarantee institution will transfer the principal and interest to the investor's account in time the next day after the repayment is delayed.
The second is the model of "the transfer mode of creditor's rights contract under P2P platform".
It can be called "many-to-many" mode. The loan demand and investment are dispersed, and even the person in charge lends the money to the borrower as the largest creditor, and then obtains the creditor's rights for division, and transfers the creditor's rights to other investors through the form of creditor's rights transfer, thus obtaining the loan funds.
Third, the Internet service platform launched by large financial groups.
The business model is more financial and professional. It has industry-leading risk management and control capabilities and an advanced and secure Internet platform. Combined with decades of comprehensive experience in finance, e-commerce and services, through scientific, rigorous, safe and efficient business processes, we provide the most professional financial information services such as fund allocation consultation, fund matching and risk control for financial investors across the country.
Fourthly, based on the trading parameters, combined with the comprehensive trading mode of O2O.
Verb (abbreviation of verb) is an innovative financial management method represented by P2P online loan model.
This financial management method has been widely concerned and recognized. Compared with traditional financial services, P2P borrowers are mainly individuals, mainly credit loans, and strictly limited to small and medium-sized enterprises with good entity operation and fixed assets mortgage. The offline multiple financial guarantee system completely solves the inherent contradiction in the P2P model and makes the security more practical and powerful.