Basic introduction
Zhaocaibao
Zhaocaibao is a leading open platform for investment and financial management in China.
Zhaocaibao platform is open to authoritative financial institutions. * * Provide convenient and safe Internet financing services for small and medium-sized investors through professional division of labor and innovation with financial institutions, and also provide efficient and low-cost Internet financing services for small and medium-sized enterprises and individuals.
The basic model of the platform for lucky treasure is open platform and professional division of labor.
In terms of financing, Lucky Treasure provides financial information services for both investors and financiers based on the advantages of big data and cloud computing. The settled financial institutions provide professional risk management for financiers and authoritative safeguard measures for investors, so that small and medium-sized enterprises and individuals can directly finance investors, minimizing transaction costs and credit costs, with fast financing speed and flexible financing quota.
In terms of financial management, Zhaocaibao is committed to helping small and medium-sized investors realize the financial management vision of "wealth comes down", focusing on products with guaranteed capital and interest, with competitive income and low investment threshold, realizing automatic financial management service by appointment, which can be realized at any time before the product expires.
Platform characteristics
Zhaocaibao
Zhaocaibao is an open platform for financial information service, which is independently operated by Shanghai Zhaocaibao Financial Information Service Co., Ltd. and invested by Ali Xiaoweijinfu Group (to be established). Established on April 3, 20 14. [1] At present, we have reached cooperative relations with Taobao, Alipay and Tian Hong Fund Company.
All kinds of financial institutions can issue low-risk wealth management products, such as universal insurance products and wealth management fund products, which are established and managed by them according to law, with fixed term and stable income. In addition, financial institutions, including banks, insurance companies and other industries, can also recommend loan projects for which they are responsible for risk management and repayment guarantee. Users can purchase wealth management products directly through the lucky treasure platform, or lend funds to small and medium-sized enterprises under the guarantee of banks and insurance companies.
Zhaocaibao aims to provide corresponding financial information services for both parties to the transaction. Through the analysis and processing of big data, and with the help of the risk control and risk pricing capabilities of cooperative financial institutions, the fragmented financing needs mainly from small and medium-sized enterprises are matched and met with the fragmented funds of a large number of customers.
Platform concept
Zhaocaibao 1, adhere to the open strategy of professional division of labor and win-win cooperation, and combine the risks of the Internet and traditional financial institutions to effectively protect the rights and interests of investors.
2. Adhere to the market mechanism of independent pricing by both investors and financiers, objectively reflect the real market interest rate, and do not attract investment through deliberately inflated returns.
3. Adhere to the overall goal of serving the real economy, advocate direct financing, reduce intermediary media, and reduce the financing cost of SMEs.
4. Adhere to the platform positioning of financial information services, and do not pool funds, guarantee, mismatch or participate in transactions.