This is a platform in Shenzhen. On the whole, there are two kinds of products on the platform, the stable profit type and the quick profit type, both of which are guaranteed by Shenzhen Ye Zhen Guarantee Co., Ltd. What worries me is that Shenzhen Ye Zhen Guarantee Co., Ltd., as a non-financing guarantee company, has a registered capital of only 1 100 million, and now the amount guaranteed for the platform exceeds 250 million, and the over-guarantee situation is serious.
Interest problem:
The main mode is platform guarantee+financing company guarantee+fund custody, and the platform requires the cooperative institutions to pay the deposit according to the proportion of 10%. Once the borrower defaults, the platform will advance with the deposit, start the risk warning when the overdue rate is close to the critical line of 8%, and stop the new loan before the risk project is disposed of.
This ensures that the offline small loan companies and guarantee companies are not strictly audited and bid casually. After all, it is linked to interests. There are mainly three kinds of bidding: enterprise bidding, real estate bidding and bridge bidding. Generally speaking, the risks are relatively controllable, including real estate mortgage, letter of credit and so on. At present, there are not many overdue bids, and the risk control is quite reliable. Mainly short-term bidding, the interest rate is around 17, which is not bad. Creditor's rights can be transferred, and the liquidity is ok.