The loan demand for online financial management projects in Yin Ke comes from small and medium-sized business owners with good credit, mature and healthy business and real capital demand, but they can't get loans from banks. The credit record and repayment ability of enterprises should be audited by formal financial institutions. After Yinke.com's censorship, it was published online. Yin Ke. Through technical means, we can ensure that the funds are directly invested in the borrower, make the business legal and compliant, and minimize the risk of overdue and default.
Guarantee by formal financial institutions
Yin Ke. Com is responsible for auditing the qualifications of financial institutions and supervising whether the operations of financial institutions are legal and compliant. Financial institutions settled in Yinke.com must have strong capital strength and rich business experience. At present, Yinke.com's entry threshold is:
1. has a formal financial certificate;
2. The registered capital is at least RMB 6,543.8 billion;
3. The operating period is at least 3 years;
4. Business scope includes: financing guarantee companies, small loan companies, pawn shops, asset management companies, financial leasing companies, etc.
Every loan in Yin Ke. Com, these institutions conduct on-the-spot investigations on the materials submitted by borrowers, review the qualifications of borrowers, draw up loan quotas, and provide joint and several liability guarantees. When overdue occurs, these institutions will pay the investors first, and they will be responsible for the mature business processes such as subsequent collection and collateral disposal. Therefore, Yin Ke's business model. Com is much safer and "tangible" than the traditional lending model in which P2P borrowers are individuals and the target is credit loans.
Third-party fund depository
Yin Ke. Com adopts the most advanced and strict "P2P platform financial solution" in China for remittance. Entrusted the largest third-party financial payment institution in China to remit the account of Tianxia Management User: Yin Ke. Com set up an exclusive fund custody account in the remittance world, and the funds can only be transferred to the bank account bound by authentication. So as to separate the investors' and borrowers' funds from the Yinke.com, effectively put an end to the business risks of illegal operations such as false transactions and forged investors, make it difficult for the funds invested by investors to be illegally misappropriated, make the investors' funds safer, and greatly shorten the operation time of cash withdrawal.
Internal fund management: Yinke.com implements strict fund management procedures and systems to ensure the safety of customers' funds to the maximum extent.