1. First of all, the scale of Heng Chang is relatively large, and the current trend is that offline P2P will be very large, because the push team is conducive to rapid expansion. Heng Chang, as mentioned above, TOP5 should be available. So there should be no need to worry about Ponzi scheme, but all the benefits mentioned above are meaningless.
2. Yiborui's credit information system has great acclimatization in domestic P2P business. Yi Borui is an American credit reporting agency. It's really big, but you have to understand the concepts of credit reporting and risk control. China's knowledge of credit investigation is a paper report. No, FICO does have a 100 credit service in China, led by the central bank. The purpose is to quantify the rating of China's credit report. To put it bluntly, it is to turn the report into a score.
3. FICO SCORE, the American rating score, was also designed by FICO. To put it bluntly, Yi Borui's main business experience is data source acquisition. And comprehensive services of cleaning and desensitization. How good his credit information system can be. For example, CreditEase and Jiufu both cited FICO's risk control model.
But they were all stopped because of the acclimatization. Secondly, the risk reserve of 500 million is definitely more than 50 times the leverage relative to the amount in the treasury. So it is also a natural egg.
5. Cooperate with insurance companies. In fact, insurance companies often sign contracts with P2P to buy back expired non-performing assets. The insurance signing rate of P2P business may reach more than 65,438+00% of the principal, which should account for 25-30% of the overall gross profit. Therefore, it is really unimaginable for insurance companies to cover the bottom. Many times it's just the brand of the insurance company. The open market price is about 1-3%.
6. Again, there is no systemic risk. Everybody's fine. In the event of a financial crisis, no matter how big P2P is, the customer attributes of subprime loans will not change. So if you suggest investing, you can invest. But it is best not to exceed 25% of the total capital.