In 20 12, Lu Jin was established in Shanghai, which is a P2P online lending platform under Ping An Group and an important attempt of Ping An Group in Internet finance strategy. Lufax has a registered capital of 420 million, which is the strongest among all P2P online lending platforms. In fact, many P2P platforms have very low registered capital, many of which are one or two million. Judging from the registered capital, lufax is undoubtedly a giant and definitely a "rich second generation". After all, Ping An Group is rich, dear dad.
Lufax's security and risk control mode
In P2P business, the borrower's audit evaluation and risk control are the key to whether the platform can be bigger and stronger. For the borrower's audit, most of them are online data audit, at most offline audit, but this audit method still can't really comprehensively evaluate the borrower's repayment ability. Moreover, in the current situation where false certificates and false materials are flying all over the sky, this model is not always so effective for scammers who intentionally forge certificates and income certificates. The advantage of lufax over all P2P platforms is that it can use Ping An's banking module (Ping An Bank, originally developed in Shenzhen and later acquired by Ping An) to fully understand the credit status of borrowers. Note that this does not necessarily mean that you have to open an account with Ping An Bank to know your credit, because the credit record is connected with the National Bank. As long as any bank's credit card is opened, it can be included in the credit information system. Therefore, the borrower's credit evaluation is a unique killer in lufax. This is impossible for other P2P platforms.
P2P projects invested by lufax, like most projects on the P2P platform, use equal monthly repayment of principal and interest to recover funds. Therefore, when there is overdue, investors usually worry that their principal will not be recovered. In this regard, there is a very interesting phenomenon. A considerable number of lufax investors like to encounter overdue, mainly because once overdue, there will be a penalty interest 50% higher than ordinary interest, and this part of the penalty interest is guaranteed by Ping An Guarantee Company. In other words, because of the guarantee company, the longer it is overdue, the more liquidated damages you will get. Therefore, Ping An Jin Lu is also called "P2P financial platform without worrying about overdue".
On Ping An Guarantee Company and Full Principal and Interest Guarantee
The full name of Ping An Guarantee Company is Ping An Financing Guarantee (Tianjin) Co., Ltd., with a registered capital of 1 100 million yuan. From the day it was founded, you knew it was specially made for lufax. Ping An Guarantee Company provides full principal and interest guarantee for all P2P projects and financial management projects in lufax. Take the P2P project "Steady Ying 'an e-loan" as an example,
If it is overdue for more than 80 days, the investor will receive full compensation from Ping An Guarantee Company, including principal, interest receivable, interest overdue for 80 days and penalty interest overdue for 80 days. So there is a popular saying among investors in lufax: "Are you overdue? Congratulations on making a fortune. "
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.