I. Principal and interest guarantee plan
Xiaojin Financial's investment projects all come from private lending projects with "full repayment guarantee", including pledge, guarantee and collateral guarantee. The repayment guarantee is actually managed by the platform itself. When every loan on the platform is closed, a certain percentage of the loan will be withdrawn and put into the "risk reserve" account, which will be managed and escorted by China Merchants Bank. At the same time, some types of loans also need to provide special deposits.
Second, the third party fund custody guarantee
The platform funds are paid and managed by Sina in the whole process, and the investment and repayment funds are opened in independent special accounts, which are real-time earmarked and completely separated from the platform's own funds. At the same time, there is real-time monitoring by joint regulatory agencies to ensure the compliance and transparency of capital operation.
Third, account security.
Xiaojin Finance is provided with account platform services by Kwak Kr Finance. Quaker Finance has obtained the national authority certification of China Financial Certification Center (CFCA), the third-party network access security technology evaluation certificate and the UnionPay card account information security compliance certificate issued by China Bank Card Testing Center, and has become an authoritative financial enterprise at the same level as the bank.
Fourth, policies and regulations guarantee
Shanghai Quaker Financial Information Service Co., Ltd., a subsidiary of Xiaojin Finance, reached a cooperative relationship with Bai Yang Tian Yun (Beijing) Enterprise Consulting Co., Ltd. at the beginning of product construction. Bai Yang Tian Yun (Beijing) was established on 20 13. Its main founders are all from the legal department of well-known domestic Internet companies, and the overall team has more than 5 years of full-time experience in the Internet industry. Different from the way that lawyers in most law firms and professional consulting institutions handle cases independently, we take teamwork as the core working method, and all professionals will give full play to their professional expertise based on the needs of each client, comprehensively consider risks and feasible solutions, and design legal, legal and reasonable Internet products.