Driven by the demand for capital by economic development, the state has adopted an increasingly open policy towards private capital. Following the "Non-public Article 36" in 2005 and "Non-public Article 29" in 2009, the executive meeting of the State Council on March 20 10 deployed four measures to further encourage and guide the healthy development of private investment. The highlight of these policies and measures is to promote the development of non-public economy and encourage private capital to increase investment in social construction. Clearly allowing private capital to enter the financial sector has pointed out the development direction for private lending intermediary services.
Experts from the School of Finance of the Central University of Finance and Economics have organized many large-scale surveys on the living conditions of non-governmental finance. It is predicted that non-governmental finance rooted in the soil of market economy is increasingly showing super vitality today with the continuous relaxation of China's financial system and deepening of financial development. There is a * * * relationship between it and formal finance: with the development of formal finance, non-governmental finance is also growing.
In 2008 and 2009, under the conditions of the international financial crisis and the sharp deterioration of the economic environment, the activity of domestic private capital once fell to a low point. 20 10 against the background that the international environment has improved, but the domestic independent growth momentum is still insufficient, the China government is fully aware that in order to promote the sustained and normal growth rate of China's economy, it is necessary to activate private capital, start to focus on promoting the endogenous economic development mode led by private investment, and encourage private capital to enter most domestic monopoly industries, which will certainly increase the investment enthusiasm of private capital. Financial experts predict that the annual growth rate of private lending will exceed 20% in 20 10, and the total amount will reach more than 8.6 trillion.
In Wenzhou, where private lending is in the forefront, 20 10 wrote the task of using private capital investment into the government work report, saying that "private capital is encouraged and guaranteed to smoothly enter infrastructure construction, financial services, social undertakings and other fields." Let private capital fully enjoy the government's "no access" investment policy. This is an unprecedented event and a very strong signal: private lending will enter the government's decision-making vision. business model
We will introduce advanced risk control concepts, combine with China's private lending situation, and provide private investment and financing customers with professional consulting services including consultation, evaluation, financing loan scheme formulation, agreement management, payment collection management and so on through professional private investment and financing information exchange platform and fast and convenient business operation process. Scientific credit review and risk control mechanism have been introduced, and through years of exploration, it has been perfected and applied in China, forming a comprehensive and rigorous service process, which runs through a set of risk control systems such as pre-lending consultation, pre-lending review, post-lending follow-up and payment management, as well as diversified investment, credit review and post-lending management, so as to ensure the excellent assets and credit status of borrowers and the safety of borrowed funds to the maximum extent. 1. truthfully provide or fax the following materials;
2. Business license of legal person, tax registration certificate, identity certificate and resume of legal representative or person in charge;
3. Qualification certificates and experience certificates of major employees;
4. The property right certificate of the house to which the company belongs or the lease contract of the company's current house;
5. Proof that the working capital can be confirmed;
6, after examination, to meet the conditions, the actual dispatch of commissioners to conduct field visits; 7. Check the legal documents that meet the joining conditions and the two parties sign relevant agreements. A "zero risk, high yield" financial management model is actually launched for investors. The main operation form of this model is to provide idle funds in the hands of private investors to financiers in the form of real estate mortgage provided by financiers, and at the same time ensure that the investor's principal is risk-free, and investors benefit from the interest paid by financiers during the loan period. This model not only ensures the safety of investors' principal, but also helps them to obtain considerable income far higher than the interest of bank deposits, especially suitable for all kinds of private investors who have idle funds and have no other uses for the time being, people who are dissatisfied with traditional financial management methods, and people who are worried about investment risks.
superiority
Zero risk: the financier provides legal real estate mortgage, the professional fund consultant verifies and evaluates it on his behalf, the Housing Authority handles the legal mortgage registration procedures, and adopts multiple risk avoidance measures to fully guarantee the investor's capital security100%;
High return: In fact, it provides a whole scheme of personal agency services from docking, verification, evaluation, signing, mortgage, handover to principal and interest recovery. Investors only need to follow up and supervise, and they can get much higher income than the bank deposit interest rate on schedule without operation.
trait
Mode: The investment and financing parties directly negotiate and independently determine the interest rate, term and quota. In the course of operation, if the investor withdraws the loan halfway due to objective reasons, or the financier is unable to repay it at maturity, it will actually come forward to coordinate and help the financier find another investment or coordinate with it. Stable income: investors expect to start with 50,000 yuan, which is really a low threshold for financial management. The huge investment and financing customer resources can enable the funds to realize circular investment, make full use of the idle funds in their hands to maximize the value-added, and ensure the stable income of fixed interest every time. The real financing business is to provide efficient, convenient and low-cost financing channels for financiers. This model mainly uses the real estate owned by well-documented financiers (or others) as collateral, and uses the real investment and financing information exchange platform to help financiers quickly connect with the right investors. On the premise of ensuring the reasonable evaluation and maximum utilization of collateral, investors can provide them with the required funds in a short time. Financing business has the characteristics of short-term emergency, low comprehensive cost, high efficiency and convenience. It is especially suitable for people who lack liquidity in a short period of time, people who are in urgent need of raising and borrowing money for their families, people who cannot approve bank loans, and people who need funds for business operations.
superiority
Simple procedures: completely different from the grading approval mechanism of bank loans, as long as the provided real estate license is legal and effective, meets the relevant mortgage conditions, and directly connects with the investment customer resources (or companies) after determining the interest rate, term and quota, thus completely avoiding unnecessary twists and turns. Fast arrival: numerous investment in customer resources greatly improves the probability of successful docking. It only takes three working days from the acceptance of documents to the receipt of funds, and it can be completed on the same day in case of special emergency, which really solves the urgent need.
trait
High amount: The actual appraisal of the collateral provided is reasonable, and the loan amount is generally 50%-80% of the appraised value of the collateral. The loan amount should be enlarged as much as possible according to specific objective conditions in order to make full use of collateral. Flexible mode: financiers can position their loan amount, interest rate and term according to their affordability, and can flexibly operate the repayment method of paying interest and whether to postpone the maturity.
Low cost: The advantages of reasonable fees, moderate interest rate, short operation and simple procedures greatly reduce the comprehensive cost of financing.