Bill Financial introduction of risk petty cash silver Cat said platform wind control is fundamental

January 2015, the CBRC made institutional adjustments, net loan industry officially designated into the Ministry of Finance, although the regulatory rules have not been promulgated, but the earlier regulatory authorities have made clear Peer-to-peer network loan industry's four red lines: one is to clear the intermediary of the platform; Second, to ensure that the platform itself does not provide security; Four is not illegal to absorb public deposits. Policy one, the network loan industry many platforms have to guarantee. So, after the guarantee, who is to control the risk? Peer-to-peer Network loan is originally built on the background of the perfect personal credit system of imported products. But because of the different national conditions, "Orange-born Huaibei is an orange", after the introduction of China, because of the domestic personal credit system construction is still relatively backward, due to the lack of integrity of the personal situation caused by a high default rate, and so on a series of problems; under the reality, there have been some changes, and gradually there are some promises to guarantee the principal or interest guarantee system such as advance and risk preparation payment. "The current risk provision is gradually becoming the mainstream model." Pure let the platform to advance this is not possible, although the platform does not guarantee has become a fact, but it is impossible to completely without joint and several liability, do very pure information intermediary in China is difficult to work. It will take a long time for investors to assess the risks themselves, so the existence of a risk-making payment is, to some extent, a more effective form of wind control. "The head of the gold and Silver Cat said that a certain percentage of reserves were withdrawn from business transactions, and that if a single project defaulted, or could be redeployed from that portion of the funds to repay the investor." As long as the wind control link work in place, then this will be a reasonable wind control means. Although the platform main bank acceptance of this low-risk mortgage, however, with the product of the new, gold and silver cat or an exception to introduce the risk of innovation to prepare payment of the wind control method. For the first time, the risk of a 5 million per year for its upcoming new product will be injected, and a new round of risk-keeping is to be poured into it, and even other financing projects on the platform will be introduced into the risk reserve. For this big big, gold and Silver cat responsible person said, the platform is to do matchmaking information intermediary, not the principal and interest of investors to guarantee, so the introduction of risk preparation can inspire investors to a large degree of confidence. Coupled with the high security of bank acceptance, this is the financial market has been recognized the fact. Even if the Zhonghui incident or caused some psychological trauma to investors, but because the underlying reason is the platform itself rather than the paper itself, many investors also recognize this point, such as gold and silver cat users buy paper products, enthusiasm is still high. The high security of the financing project plus the platform's wind control means, the combination of the two is bound to further increase investors ' confidence, so the platform decides to introduce the risk-payment method. First-time risk preparation for the platform's upcoming financing project "gold actresses who". Gold and Silver Cat is currently the largest Internet bill financial platform, its financing project is to bank acceptance as collateral. Bill financing refers to the bank acceptance as collateral to investors, bank cash after the maturity of the funds as the source of repayment. Higher safety factor, higher market recognition, and Bill financingThe introduction of risk cash and silver cat platform is currently the first in China, the starting point is to provide investors with more secure funds.