I. Background of the platform
Ai Qianjin: Ai Qianjin is an online lending platform under Fanpujinke Enterprise Development (Shanghai) Co., Ltd. (hereinafter referred to as "Fanpujinke"), focusing on big data processing and financial technology research and development, and providing more efficient intelligent financial services and solutions for small and micro individuals. Belongs to a private P2P online lending platform.
Pleasant loan: Pleasant loan is a person-to-person online loan service platform launched by CreditEase on 20 12. It was launched on July 5, 20 12 with a registered capital of 30 million yuan, belonging to a listed P2P online lending platform.
Second, the deposit of funds.
Ai Qianjin: Yes, Huaxia Bank keeps the funds.
Pleasant loan: none
Third, platform products and annualized income.
Love Qianjin: Focus on P2P online loan investment (lump sum deposit+,zero deposit+and scattered bid), with annualized income of about 7.7%- 1 1.4%.
Pleasant loan: focus on P2P online loan investment and wealth management (elite standard, one win); The average yield is 1 1.83%.
Four. Risk reserve
Love money: risk reserve (259,879,900 yuan);
Pleasant loan: risk reserve (816,646,400 yuan);
Verb (abbreviation of verb) financing situation
Ai Qianjin: 20 14, 12 was financed by Gao Rong capital 3 10/00000 yuan.
Pleasant loan: $300 million was raised before listing, details were not disclosed.
Intransitive Verb Supervision Association
Love money: Nothing.
Pleasant loan: 20 14 12.23 joined Beijing online loan industry association as the president unit; CreditEase (Pleasant Loan) 2065438+joined China Internet Finance Association as the governing unit on March 25th, 2006.
Seven. information disclosure
Pleasant loan: the performance will be disclosed every quarter.
Love money: official website has a special data disclosure page.