(1) has strong credibility. Through the injection of CDB financial brand and technology, and the pre-approval of Xin Kai Loan Company by the Finance Office of Jiangsu Provincial Government, Xin Kai Loan Platform has stronger credibility than other platforms.
(2) Serving small and micro enterprises. Xin Kai Loan Platform stipulates that the maximum loan amount is 3 million, which actively encourages and guides private surplus funds to flow to "agriculture, rural areas and farmers" and small and micro enterprises, and plays a role in supporting agriculture and helping small enterprises. The average loan amount of the platform is 6.5438+0.45 million, and the minimum loan amount is 20,000.
(3) Strictly control interest rates and put an end to usury. Xin Kai loan platform stipulates that the loan listing interest rate should not exceed 1 1%, which ensures that the comprehensive financing cost of borrowers or SMEs is not higher than 15%, which is far lower than the national average lending interest rate of P2P platforms.
(4) Adhere to quasi-public welfare. On the one hand, the Xin Kai loan platform only charges a small amount of management fees to maintain the operation of the platform, on the other hand, it limits the lender's interest rate income space to 8%~ 1 1%. At the same time, the Xin Kai loan platform launched the "Huinong Loan" product. Borrowers are limited to farmers with cash flow difficulties, and the comprehensive cost borne by farmers is less than 8%. The platform does not charge any fees.
(5) Strictly control the credit risk. Jiangsu Provincial Finance Office issued the Administrative Measures for Innovative Loan Business of Small Loan Companies in Jiangsu Province (Provisional) (Su Finance Office [2065438+03] No.30), which set strict access standards for small loan companies in Jiangsu Province to participate in platform financing guarantee, and established and improved the risk reserve system. Among the nearly 600 small loan companies in Jiangsu Province, less than 60 small loan companies above Grade A carry out credit business.
(6) Strictly control operational risks. Xin Kai Loan Platform realizes direct online settlement of transaction funds with the help of commercial banks, which effectively prevents the moral hazard of the platform itself. Cooperate with banks to develop online fund settlement and legal signing mode of electronic contracts, and technically ensure that there is no operation blind spot.
(7) Stay away from the red line of illegal fund-raising. Xin Kai loan platform only plays an intermediary role, and does not involve any guarantee acts such as fund-raising and commitment to repay the principal and interest. On the platform, borrowers and borrowers directly sign contracts, and the number of borrowers in a single loan is limited to no more than 20.