Financial Fan: focus on P2B micro-enterprises and college students

DoNews, July 7 (Reporter Dan Shi) In 2014, in the field of Internet finance, an online wealth management investment platform called "financial management standard" broke into people's eyes.

This team of 50 people, who specialize in P2B network loan financing platform, has completed 20 financing projects in 3 months. With a total financing of nearly 200 million, it completed 2 to 3 projects a week on average, with an average project financing amount of 1000 Million. Use "dark horse" to describe the team as an excuse.

Why choose to do P2B platform?

Financial Fan belongs to Beijing Financial World Financial Information Services Co., Ltd., focusing on P2B mode, P2B refers to the Internet through individual investors and small and micro enterprises to build investment and financing platform.

Instead of choosing a traditional P2P model, but adhere to the P2B model, Shen Lei, CEO of the financial sector explained: "P2P biggest flaw lies in, can not guarantee its neutrality and establish a good risk control system.For P2B just play an intermediary role, Investors can find a suitable investment target on this, while the financing side can release financing information on the platform, the platform itself neither finance nor lending.P2B network loan platform to enhance the speed and efficiency of the capital turnover of small and micro enterprises more obvious. "

Small and micro businesses want P2B-style financing transactions, seemingly very low threshold, but the risk control links behind it is very harsh.

In addition to being responsible for reviewing the authenticity and risks of financing information, they also have their own risk control team, a systematic risk control system and a pre-project evaluation team. Before each project on the line, have to vote. At the same time financial Fan cooperation with the financing of security companies, all projects are funded by the security company and its own risk control team double-approved after the line.

In addition to looking for a guarantee financing company to do risk control, they will also be based on a number of quantitative indicators of the proposed financing companies rating, corresponding to the rating level, including A, AA, AAA and so on. "We have hundreds of quantitative indicators when granting a proposed financing company," said Shen Lei. "It includes the production and operation, cash flow, assets and liabilities, the actual controller's moral hazard rating, etc."

Emphasis on support for college entrepreneurs

June 25, "Financial Fan" has just won ten rounds of A round of financing, while launching a "business incubator incubation plan."

The same as a college student entrepreneur, Shen Lei said "college students venture financing incubation plan" have a great personal feelings. "When starting a business from Tsinghua University, a lot of friends with entrepreneurial ideas are around me. Most of them can not start their business due to restrictions on funds and venues. At that time, it was in urgent need of competent organizations to help us. So now we are launching such an activity. Help young people with entrepreneurial ideas. "

Wealth Management Fan Seed Fund for college students a total of 2 million, while Chinese college students and young entrepreneurs to provide 100,000 within 2 years of interest-free start-up capital loans. Financial Fan for ordinary small and micro businesses will charge 2% -3% service fee, college students projects, financial services does not charge any service fees.

Shen Lei said that although the college student project has just started, but has received hundreds of applications, is still in the process of reviewing. (Finish)