Although the competition on the asset side is intensifying, it is generally beneficial to the P2P industry and makes the P2P platform more secure. Why? In fact, a very important factor is that the overall increase of social loans and the reduction of financing costs will further reduce the default rate of social financing. Some enterprises whose funds are about to break can continue financing, and the financing cost of some borrowing enterprises will be reduced, which will undoubtedly lead to a significant reduction in the default rate of a society. Coupled with the stimulus of loose monetary policy to the real economy, future lending projects will be safer to some extent.
So, is it reliable for everyone to lend us money? With questions, the author communicated with relevant professionals.
People's loan WE Wealth Management has always been awed by risks, developed its own risk platform system, and innovatively developed financial products such as automatic bidding tools, which provided better risk premium products for wealth managers and made steady progress in the market.
Renren loan WE financial management is a trustworthy investment and financial management platform. His choice is enough for you to have your cake and eat it in the investment market.
Related Q&A: Related Q&A: Can everyone's loan be trusted? Basic information: Long duration.
Renren Loan was established on April 28th, 20 10. Is a company with P2P financial management as its main business. The full name of Renren Loan Commercial Consultant (Beijing) Co., Ltd. has a registered capital of 100000 yuan and paid-in registered capital of 100000 yuan. It is an early P2P platform.
Ownership structure: a reasonable structure
Legal representative: Yang Yifu, and the shareholding ratio of shareholders is: Yi Qiaoyuan 42.5%, Zhang Yilong/KLOC-0.5%, Yang Yifu/KLOC-0.7% and Lela 25.5%. The ownership structure is relatively reasonable, which can effectively restrict ownership and management rights.
Operating conditions: large scale, low bad debt rate.
As of April 30, 20 18, the accumulated transaction amount of Renren Loan since its establishment is RMB 57,507,363,300.00, and the current loan balance is RMB 29,746,162,922.10 yuan, accounting for 0% of the repayment amount of the top ten borrowers. Overdue amount: 63,629,437.74 yuan, overdue for more than 90 days (excluding): 63,559 yuan, 134.48 yuan, overdue rate of the project: 0.89%, overdue rate of the amount: 0.2 1%.
On the whole, the operating scale of Renren Loan is relatively large in the P2P industry, with a loan balance of about 30 billion, a market share of about 2%, a good risk control capability, and an overdue rate below 0.5%, which can be regarded as an excellent level. The maximum loan amount of a single borrower is 600,000 yuan. If it is a corporate loan, it will not exceed the regulatory requirements. If it is a personal loan, it will exceed the regulatory requirements.
Financing situation: Follow-up financing is not in place.
20 13 12, the parent company of renren loan has completed10.3 billion USD series A financing, setting a record for the largest single financing in the industry. This shows that venture capital was optimistic about everyone's loan, but there has been no new financing plan for four years, and there are few new financing on other platforms, which shows that venture capital funds hold a wait-and-see attitude towards the current P2P industry.
Bank depository: Depository banks are strong.
February 20 15, Renren Loan and Minsheng Bank promoted the comprehensive upgrade of P2P fund deposit and management. 20 16 On February 29th, Renren Loan announced that the cooperative fund depository with China Minsheng Bank was officially launched. The strength of the depository bank chosen by Renren Loan is still relatively strong. On the other hand, it also shows that the management of Renren loan business has been recognized by Minsheng Bank.
Main products: moderate interest rate
There are three main types of renren loan products. Generally speaking, the investment income belongs to the middle level. The specific products are as follows:
Optimal scheme: annualized income 9%, lock-up period 12 months.
U plan: annualized income of 5%- 10.5%, lock-up period of 1-36 months.
Salary plan: annualized rate of return is 8%, monthly fixed loan, lock-in period 12 months.
The above data are extracted from the information disclosure data of Renren Credit official website, and can only be analyzed accordingly, which cannot be verified by individuals, and the accuracy is the responsibility of Renren Credit.
Through the above data analysis, I feel that Renren Loan is an excellent platform in P2P industry. But P2P is a medium and high risk financial management. The above analysis is for reference only and does not constitute investment advice.
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