With the popularity of the Internet and smart phones, the Internet financial management mode with the idea of practicing digital inclusive finance came into being and developed rapidly. The data shows that from 20 13 to 20 16, the scale of internet financing has increased from 385.3 billion yuan to 2.6 trillion yuan, and it is still growing at a high speed every year, with huge room for development.
On Valentine's Day, the propaganda film released by MCC Rongxing also revealed people's characteristics and similarities. We can't forget our initial heart, find our initial heart, better understand ourselves and others, and find the same positive values as * * * *. For any industry, it should return to its original intention, not forget its commitments and responsibilities, and integrate positive "values" into its corporate strategy in order to achieve long-term development. MCC Rongxing is using actions to interpret the initial heart and true meaning of the enterprise.
Over the past few years, MCC Rongxing has been developing steadily, adhering to the information intermediary platform, being true and transparent, striving to build a safe, efficient and convenient Internet financial platform, building a rigorous risk control system, effectively protecting users' interests, constantly innovating and upgrading, and steadily practicing inclusive finance, which has won the trust and support of many users.
Don't worry, Zhongye Rongxing insists on the positioning of information intermediary and will not change its original intention. Corporate vision has established the corporate purpose of "prospering thousands of households and integrating all trades", "helping people manage their finances and helping the real economy take off", and the solemn commitment of "being responsible to employees and society" will not be forgotten. In the future development, we will continue to provide quality services to the public, help people manage their finances and create a better life!
Related question and answer: How about MCC Rongxing? Personally, I think there is nothing good about P2P platform, only security and insecurity. Generally speaking, the big platform interest rate is lower, and the small platform interest rate will be slightly higher, but the security will be lower.
MCC Rongxing is OK, ranking in the top 5 in Shenzhen, and its security is still there.
Related questions and answers: How to solve the financing problem of private enterprises? The annual loan data of 65438+ 10 is the best window to observe the annual financial data. Yesterday, the central bank released 65438+ 10 (February 15) credit data, among which there are several highlights worthy of attention:
The first is the reappearance of loan volume. 5,438+10 June, RMB loans increased by 3,230 billion yuan, and the scale of social financing increased by 4,640 billion yuan, both hitting record highs.
Reasons for the huge loan:
In June 1 and June 1, the bank has sufficient liquidity and sufficient line. On June 5438+1October 15 and June 5438+1October 25th, the central bank lowered the RRR by 0.5% respectively, releasing an incremental fund of 800 billion yuan, which was first given to banks. Liquidity in the banking system is abundant. In June, the weighted average interest rate of interbank lending was 2. 15%, which was 0.42% and 0.63% lower than that of last month and the same period of last year respectively.
In addition, 65438+ 10 month is the most adequate time period for bank loans. Commercial banks generally have a loan limit, which will be gone after a few months. When the credit line is sufficient, the credit manager will step up lending for the sake of performance, and the loans accumulated in 65438+February last year may also be put into 65438+ 10. Therefore, 65438+ 10 is often the month with the highest RMB loan in the whole year.
2. The regulatory authorities have made some achievements in encouraging commercial banks to lend to private enterprises. Measures to encourage commercial banks to lend to private enterprises include: a. Directionally reduce the deposit reserve ratio, eligible commercial banks lend to small and micro enterprises, and the central bank gives preferential loans with reduced RRR. B, targeted interest rate cuts, small and micro enterprise loans eligible commercial banks, the central bank to give interest rate concessions in MLF currency. C. Replenish capital for commercial banks to make them dare to lend and be able to lend.
In order to stabilize the growth, the regulatory authorities approved a number of infrastructure projects last year, most of which were bank loans. Because banks are not short of money now, what they lack is good loan projects. Most of the investors in these projects are local governments and state-owned enterprises, which naturally become the favorite lending projects of banks.
As for the record high of social innovation, it is also related to the large amount of loans. Rmb loan is the most important part of social integration, and the growth of RMB loan will promote the high degree of social integration. In addition, the surge in undiscounted bank acceptance bills in social financing has also contributed to some extent. Undiscounted bank acceptance bills can be understood as special loans from banks to enterprises, which shows that the proportion of funds entering the real economy in 5438+ 10 is larger than before.
Second, the decline in M 1 reflects the continued downturn in the property market in June.
The data shows that the balance of narrow money (M 1) is 54.56 trillion yuan, and the growth rate is 1. 1 and 14.6 percentage points lower than the end of last month and the same period of last year respectively.
Comments: M 1 mainly social cash and corporate demand deposits. With the approach of the Spring Festival of 5438+0 in June, a large number of bank customers withdraw cash, and society is not short of cash. But why does M 1 decrease instead of increase? The only explanation can only be the reduction of corporate demand deposits. The decline in corporate demand deposits is related to the cooling of the property market. It's simple. When we buy a house, personal savings deposits and bank loans will be converted into corporate demand deposits. Developers can't sell their houses, and corporate demand deposits will naturally decrease.
According to the data released by some organizations, the sales growth rate of large real estate enterprises such as Country Garden, Evergrande, Vanke, Poly, Greenland and Huaxia Happiness all changed by more than -50% during this year 1.
In addition, the decline of demand deposits in June this year was also related to the year-end bonus issued by enterprises. The central bank Ruan said that in June 5438+ 10, personal deposits increased by 3.87 trillion yuan, an increase of15.5% year-on-year; M0 increased by 1.43 trillion yuan, a year-on-year increase of 17.2%.
Third, the loan structure is good. According to the data, RMB loans increased by 3.23 trillion yuan in June 5438+ 10, of which household loans increased by 989.8 billion yuan.
Comments: In June 5438+ 10, housing sector loans accounted for 3 1.27% of the total loans, and housing loans were mainly mortgage loans. Roughly speaking, 3 1.27% can actually be understood as the proportion of mortgage loans to total loans. This figure is not high. You know, in the hot property market of 20 16, most of the new loans come from mortgages, which can be seen.
Finally, on February 15, the General Offices of the General Office of the Central Committee of the CPC and the State Council issued "Several Opinions on Strengthening Financial Services of Private Enterprises", with the following highlights:
1, exempt from due diligence, and improve the assessment tolerance of non-performing loans;
Comments: Let banks dare to lend to small and micro enterprises;
2.MPA parameter inclines to private enterprises/small and micro enterprises;
Comments: Commercial banks that lend to private enterprises/small and micro enterprises have preferential policies;
3. Improve inclusive finance's targeted reduction of the deposit reserve ratio;
Comments: Commercial banks that lend to private enterprises/small and micro enterprises have preferential policies and financial support;
4. Under the same conditions, the loan interest rates and loan conditions of private enterprises and state-owned enterprises are the same.
Comments: Fair competition
5. Reduce excessive dependence on mortgage guarantee.
Comments: Let private enterprises get loans.