How many contracts to sign a peer-to-peer project

Author: building Block Box

The box classroom said before, only the formation of a complete chain of contract evidence can be efficient to protect the interests of investors. But in fact, investors are not necessarily aware of a peer-to-peer platform on a project need to sign several contracts, more difficult to understand the contract to sign the specific format of the specifications, specific terms, scope of effectiveness, and so on.

How many contracts to sign a peer-to-peer project

How many steps do you take to make a contract?

Below we take a trip to the project process, to see how many processes are required to sign several documents:

1. Initiation of contract making

After the risk review is passed, the dedicated http://www.aliyun.com/zixun/aggregation/7013.html "> Project leader will inform the customer of the audit results and initiate the signing process, The project leader will send the loan information to the legal department's contract responsible person by mail, including: Project number, borrower name or name, loan amount, period, loan maturity date, interest rate, guarantee party, etc.

2. Contract making

The contract responsible person receives the mail, unifies the appraisal report to collate the related information and the document, including the borrower and the guarantor's identity information, the contact method, the enterprise license, the Enterprise Constitution, the ownership structure, the business registration information and so on contract material.

In the process of finishing the contract material, the contract responsible person needs to judge: whether the natural person who signed the relevant agreement is an adult, whether the certificate is valid or not, the company's Articles of association stipulate whether the enterprise can provide the guarantee, the corresponding shareholder's resolution needs to be signed by the shareholder, whether there is a Whether the entrusted documents are notarized and whether they support the signing of such documents, etc.

Information is available after the use of the corresponding agreement template, complete the completion of the contract, completed after the completion of the need for special audit, the audit of the right to be issued before the signing of the contract.

3. Contract signing

Contract signed by the person in charge of the signing process needs than the identity card and himself, the existence of signed live image documents, check the number of copies and whether the signing of the complete, and so on, signed to the contract production staff.

4. Contract Audit

Contract completed after the return of the contract, the person responsible for the production of contracts to check whether the complete and correct, confirmed the signing of the guarantee after the confirmation of the letter issued by the security, the audit is correct to inform the project responsible person to arrange the online fund-raising.

At the same time, the contract production person also needs to complete the electronic agreement, generate electronic text into the project's electronic files, paper text after finishing into file storage, the relevant personnel borrowing needs to be approved by the person in charge.

5. The custody and display of the contract

Each platform is different from the way the contract is presented. Take the building block box for example, after the project on-line, the investor may see the contract homepage and the last display under the Project Details page (Investment page) "Related document". Professional Peer-to-peer platform should have standardized contract storage and display methods.

This process also basically shows the building block box contract production, signature, management, we believe that different sites may be the details of differences, but these processes are common, but also the project must.

Investors need to be aware that some deliberate fraud or counterfeiting of the platform for borrowing demand, often in order to justify, deceive investors, will deliberately hide or refuse to provide related contracts, need to pay attention to identification. Many of the escape site was exposed, is a small number of interested investors found in the place of fraud, or the contract is inconsistent, or is the contract signed invalid or forged and other flaws.

How many contracts are there?

As the basic process of signing and managing the contract, the following describes the type and content of the contract:

A document to be signed by a project consists of three parts:

1. Financing service agreement

is the borrower in the platform for financing and platform to provide services to the basic documents, the terms of service and the rights and obligations of both parties are stipulated, and the basic obligations of some borrowers are stated in this document, including the borrower's obligation to provide the information and ensure the authenticity, coordination with the platform, payment of service charges, confidentiality clauses, etc.

The investor is generally understood as the service agreement between the borrower and the platform, which is the basis for the platform to collect the management expenses.

2. Loan Documents

is the online electronic version of the loan agreement, which covers the rights and obligations of the parties under a financing project, which is directly related to the interests of investors, the investor's information will appear in the electronic contract.

3. Entrustment Guarantee Contract

Is the basis for the borrower to enter into a security relationship with the secured party, which is based on this document to guarantee and charge the specified debt. Apply to a guaranteed item.

4. Anti-guarantee documents

It is stipulated that the borrower shall provide the collateral with the relevant content of the counter guarantee, including the type and share of the counter guarantee, whether it needs to be registered, etc.

These four common documents are not necessarily signed by every project, in fact, there will be adjustments to different products, for example, the project itself does not guarantee the company to carry out the guarantee, there is no need to sign a contract of guarantee, if the guarantor does not require the borrower to provide a counter guarantee, then the project does not need to sign an anti-security document.

In some non-guarantee projects, there will be a special safeguard mechanism, to the building blocks box on the temple of the case, the temple will provide a special security deposit, these are to have a clear agreement or terms agreed. In the project of transferring the creditor's rights, the transferor undertakes to repurchase the creditor's rights when the actual repayment person is overdue, also need to sign the repurchase undertaking letter, the specific document depends on the project setting.

In the project show, because the Internet environment is too public, most files are not suitable for full display on the platform, it is based on this situation, the box launched the "Observer Mission" activities, as investors can directly check the contract text channel, if you want to know more about this part, welcome everyone to join the box "observation mission "Activities; Of course, the" mission "due to the number of time and so the limitations, not enough to check all the documents, so the box and the Green Dog Network launched a" contract escrow "service, the introduction of legal professional background of the third party to the box project documents for inspection and custody.

To the various aspects of a comprehensive online project, so that financing legitimate and reasonable, to protect the weak side of investors, is the need for rigorous contract signing process and full contract evidence. At the present stage, the standard of the contract is a symbol representing the level of the whole platform management and the degree of compliance. Investors know a little more about contracts, which helps to improve the ability to distinguish between good and bad platforms.