Clever and peer-to-peer lending: Solving the problem of personal and enterprise's urgent money

Lao Feng is doing construction business, with the housing market warmer, the hands of the project one after another. This was originally a good thing, but the first two days old Feng began to have a headache. The reason is that one of the projects, party a temporarily unable to pay the project, which directly led to the old Feng can not feed, the wages of workers can not be issued. Lao Feng needed a sum of money to help him solve the immediate problem. In the past, small and medium-sized enterprises and individuals to solve the "urgent money" problem, usually only two roads, to find a bank loan is of course the first choice, but this road is not smooth, so, some small and medium-sized enterprises and individuals have to take risks, to borrow "usury." Now, they have a choice, "wonderful investment" as the representative of investment and financing management enterprises, is trying to use active private financing, through the foreign popular Peer-to-peer credit model, to help small and medium-sized enterprises and individuals to solve this financing problem. China small Micro Financial dilemma at present, some foreign countries to a country's banking system for small and medium-sized enterprises to provide financial services has been more mature. In the UK, banks have an emphasis on market expansion and product services for retail businesses, with 90% of SMEs ' financial needs being met by HSBC, RBS, Barclays, Lloyds and other commercial banks. In the United States, thousands of independent regional banks and large multinational commercial banks formed a two-dimensional banking system for small and medium-sized enterprises in the region, family companies and low-income individuals to carry out business. In recent years, along with the national policy to the small and medium-sized enterprise Development incline, our country banking industry also pays more and more attention to small micro loan business. Each bank small business loan business development obviously faster than in previous years, especially small and medium-sized banks, has this business as an important task to do, and successively issued a series of measures to ensure the smooth development of SME loan projects. The latest figures released by the central bank recently showed that small micro-enterprise loan growth continued to rebound in the first half of this year, but the loan balance accounted for only 28.2% of all corporate loans. According to the data, there are 40 million small and medium-sized enterprises in the country, and the banks currently provide financing for only 1 million micro-clients. These data show that China's financial exclusion is still significant, the proportion of SMEs to meet the financing needs of bank loans is still small, financing costs are still high. One side is the strong demand for small and medium-sized enterprises and individuals, side is the bank's "small loan difficult to seek", which gave the private lending a reasonable living space. Private lending into the "sunshine" since the 80 's, the private finance in addition to its most important form of "direct lending", but also a meeting, corporate fund-raising, "silver back" activities, private banks and many other forms. In the past, the reference to private lending, people often think of "illegal", but as all things in the world have two sides, the use of private borrowing good, the same can be a useful supplement to the chain of financing system. In recent years, the state has begun to gradually open up private lending, how to make private lending more standardized, more transparent become an important subject, and in foreign countries have been popular for many years of internet peer-to-peer credit model to China's private lending a new way of thinking. Peer-to-peer platform (Peer-to-peerplatform), an online personalNetwork platform for individuals. Peer-to-peer lending means borrowing and lending by both parties directly, without the need for savings and lending by banking institutions. The model was pioneered in the UK, and the world's largest Peer-to-peer site is the Prosper Web site in the United States. The personal lending behavior of individuals on the network, bask in the sun, making the private lending behavior more standardized and transparent. Unlike foreign countries, Peer-to-peer credit is no longer a mere personal credit when it enters China, domestic such as "appropriate letter", "clever investment" and other Peer-to-peer network lending Platform test water has been business-to-business, consumer, C2B, Consumer-to-consumer mixed operation, and under the main line-enterprises can be to enterprises, individuals to lend, individuals can also to individuals, Even corporate lenders. High-efficiency personalized customization, peer-to-peer advantage of a significant peer-to-peer lending platform, the practice is all-round for all sectors of society and groups, especially ordinary people and small and medium enterprises to serve the general financial concept, its main participants in the financial services pyramid in the lower level of individuals and small and medium-sized enterprises. Peer-to-peer lending platform, with traditional bank lending incomparable advantages. For financiers, the interest rate is moderate, convenient and quick. Miao-Rong Master a large amount of funds information, the spirit of "urgent need" principle, can be agents of real estate evaluation, mortgage registration and other formalities, so that the financing of quick financing, save time, the fastest can achieve the day to the paragraph, to achieve low-cost and efficient financing. At present, for financing, the best investment can provide products are: Personal housing mortgage financing, personal vehicle mortgage financing, personal housing mortgage financing, personal housing mortgage loans, personal housing mortgage loans, personal housing mortgage loans, as well as personal credit loans, securities mortgage financing, life Insurance bill mortgage financing and other forms. For enterprises, there are enterprises short-term capital turnover, enterprise bridge funds, business loans and including corporate credit, inventory mortgage financing, security mortgage financing, equipment mortgage financing, vehicle mortgage financing, security mortgage financing, life insurance single mortgage financing, and many other forms of financing services. And for the "have spare money" investors, Miao Rong is committed to helping investors realize the benign and rapid appreciation of assets, the main business includes: Liquidity Investment Management, real estate flow management, asset preservation and value-added management, investment and financing platform intervention. The good and the Peer-to-peer loan platform can realize the characteristics of interest rate satisfaction, income stability and security guarantee. Wonderful financial management model, generally can exceed the bank interest rate of many times, the annual income can reach 12-15%. In addition, Miao Rong has many years of accumulation of the foundation, has a strong financial information sources, can help investors to achieve recurrent investment, circulation of financial management, so as to achieve sustained and stable investment income. Over the years, the successful investment and financing projects, success rate of 100%, with professional experience and a wealth of financial knowledge, wonderful fusion to help investors layer checks, the risk of filtering to the lowest level, but also for investors tailored investment options to ensure that investors are safe and secure investment. It is reported that the wonderful investment is the leading investment and financing management company, with the domestic leading investment and financing platform, especiallyIt is a Peer-to-peer lending platform in the country is in the absolute leading position. Miao Rong and a number of financial institutions have a long-term good relations of cooperation, has a deep industry background and solid foundation for bank cooperation. Wonderful financial platform to create a flow of assets of more than 3 billion yuan per year, so far, through the coup financing of SMEs and micro-enterprises have reached more than 8,000, individuals more than 20,000 people. Coup has become a new channel for small, medium and micro-enterprises and personal financing. Under the big proposition of how to solve the financing dilemma of SMEs and middle and low income people, the combination of science and technology innovation and nongovernmental financing is a valuable consideration. In the future, with the further development of the Internet and the continuous progress of the society, Peer-to-peer Lending will further exert its advantages under effective supervision, and this kind of network lending new financial business is expected to get an explosive growth.