Comprehensive annualized income: 16.5%
Wenzhou loan was established earlier, and the investment crowd was relatively fixed. Platform merchants are all from affiliated companies, and there are many business types. Real estate, automobile, private placement, rights issue and draft are all involved. At present, the platform has not set up a special risk reserve fund mechanism. In addition to private placement products, other businesses promise to repay the principal and interest in advance. According to the person in charge of the platform, the profit point of the platform itself is the management fee charged by normal business and the transfer fee of the net value target on the platform. The person in charge of the platform said that Wenzhou Loan currently adopts diversified business models, including platform software development (Rongbao Technology), third-party information platform (online loan China), mobile phone wealth management (pocket wealth management), etc., and owns certain shares in Hangzhou Rongdu Technology.
2. Easy loan for enterprises
Comprehensive annualized income: 12%
Enterprise Easy Loan 2065438+was launched in May 2003. Since its launch, the total transaction amount is 2.048 billion yuan, the amount to be collected is 825 million yuan (including about 65438+200 million yuan online), and the comprehensive rate of return is 12%. Business sources are mainly corporate executives and their own business teams. Enterprise Easy Loan is a typical P2B platform, which only provides financing loans for enterprises that meet certain conditions. The business type is mortgage loan, the average loan term is 4 months, and the single bidding loan amount is large, with the average loan amount of11.4000.
3. New loans
Founder: Zhang Yang (EMBA of China Europe International Business School)
Introduction: New Loan was established on February 20, 2065438 +0 165438, and operated by Shanghai Yongxin Financial Information Service Co., Ltd. Most shareholders and management of the company are senior experts engaged in bank credit business, financial planning, risk control and private lending. Xinxin loan website platform is based on the professional, sunny, transparent and standardized service concept, providing customers with the most efficient P2P personal lending and lending information services.
4. Snow Mountain Loan
Founder: Shao Jianhua
Introduction: Xueshan Loan is a P2P peer-to-peer lending website under Shanghai Xueshan Financial Information Service Co., Ltd., which is independently developed by the company's technical team, and the system is stable and safe. Users can obtain credit line from Xueshan loan, release loan demand and raise funds quickly; You can also lend your spare money to individuals with good credit and financial needs through the Snow Mountain to get a good rate of return on capital and help others at the same time.