Why is the interest rate of group loan network high?
First, the background and target users of the group loan network
Tuandai.com was officially launched on 20 12. It is an internet financial information platform focusing on financing services for small and micro enterprises. 20 13, 1 1, Tuandai.com successfully completed the shareholding system reform and became the first joint-stock internet finance company in China with a registered capital of 1 100 million yuan. The group loan network has completed three rounds of financing totaling 675 million yuan, and the investors include the venture capital department, the state-owned assets department, the entrepreneurship department, the listing department and other institutions. Among them, the B round of 200 million financing was led by Jiuding Investment, Giant Investment, 91 Investment and Shenyang Investment; The third round of financing was 375 million yuan, led by Shang Hongguang, with an investment of 654.38 billion yuan. From the beginning of its establishment, through a lot of practical research and market analysis, the group loan network has positioned its target market and service groups as a large number of small and micro enterprises in China, and their financing loans are generally at the level of hundreds of thousands to 10 million.
Second, the group loan network financial services products introduction
Micro-group loan: it mainly provides micro-credit products within 500,000 yuan to individual industrial and commercial households and individuals in the coverage area of national branches. At present, the main products are housing loans, car loans and small consumer loans, usually with personal property and cars as collateral for loans.
Small and micro enterprise loan: a credit business product that provides fast financing channels for small and micro enterprises and improves the utilization rate of funds. Mainly small and micro enterprises in Dongguan, borrowers apply for loans with fixed assets, equipment and accounts receivable. As a counter-guarantee, the credit personnel of the group loan network will give the borrower credit after offline review and evaluation.
Supply chain: The supply chain standard is a product developed by Tuandai.com and Juntuo Finance for well-known e-commerce platform merchants and cross-border trading enterprises, aiming at providing more convenient financing channels for merchants who are in urgent need of liquidity due to purchasing and accounts receivable, and providing supporting services such as customs declaration, warehousing management and logistics for borrowing enterprises.
Installment treasure: small consumer loan products for social white-collar workers, blue-collar workers, civil servants, employees of enterprises and institutions, students and other groups. Mainly to electronic products, home appliances and furniture, decoration, tourism, skills training and other vertical consumption areas of consumer staging services.
Project treasure: Group loan network is a new product launched by enterprises with large capital demand in equity investment, real estate investment and other fields. The borrower can only complete the bidding loan after providing the full amount of collateral and granting the corresponding loan amount through platform valuation. The platform also evaluates investment projects to ensure that there is profit space or arbitrage cash withdrawal within the loan period to ensure payment security.
Subject matter of assets: The borrower uses assets such as futures, stock rights of joint-stock companies, bank bills and commercial acceptance bills as collateral to finance through the group loan network. The group loan network discounts the credit according to the pledged asset value, and the borrower's loan amount cannot exceed the credit amount.
Why is the interest rate of group loan network high?
From the above analysis, it can be seen that the loan users of the group loan network tend to love investment users, and choose more enterprises with excellent qualifications and paid loan ability. Even if they are unable to repay their debts, these high-quality enterprises still have many assets to mortgage the money. At the same time, in order to attract a large number of users to lend money on the platform, why is the interest rate of the group loan network high? The above is the reason why I help you summarize the high interest rate of the group loan network. I hope it will help you.