Holding Financial network Zhang Zhiwei: Wind control Safety First

, founder of Financial Network

Recently, the financial network signed Shanghai Credit Limited, formally joined the network Finance Credit System (NFCS). By then, the information of the borrower and the project will be connected to the system, which can effectively improve the level of wind control. Holding the Financial Network co-founder Zhang Zhiwei accepted the author's interview, the full text as follows:

Reporter: This time to embrace the financial network signed Shanghai credit, for holding the financial network has what strategic significance? Can you talk about the origin and layout of the development of the financial network?

Zhang Zhiwei: The financial network is by a number of finance, law, Internet industry professionals and senior industrialists to create a joint, rigorous preparation for more than a year, the official online this March. This is a group of people who have the dream to have the expertise and character, gathered to embrace the financial network, is hoping to use the wave of the Internet, in the good work of professional services to the public at the same time, can achieve a real cause. We are convinced that users want to think, do a good job of products, intimate to meet the user, it is possible to gain market recognition. Therefore, we in the early days of the founding of the financial network to define the corporate vision is to do the most reliable Internet financial services platform. We hope that the compliance business model, effective wind control system, a good user experience, safe technical support, perfect investor services, to provide the target users with different online lending services experience. Holding the financial network will continue to adhere to the "stable", "innovation", "Pu-hui Finance", "self-discipline" development, is committed to creating a trusted network credit platform.

Shanghai credit is the People's Bank Credit Center holding the Internet financial Credit system, holding the financial network access to the system, on the one hand, will strengthen the sharing of information between the interbank, on the other hand, the borrower indirectly imposes the people's bank credit system constraints and influence.

and Shanghai Credit contract cooperation, is a financial network strategic development of an important layout, on the basis of the realization of information docking, the innovative product layout, business model of the direction of cooperation, will play a positive role in promoting.

Reporter: Can you talk about the signing of the cooperation behind the story, holding the financial network and Shanghai credit is how to hold hands together? What has happened here?

Zhang ZHIWEI: Macro Speaking, the national "Twelve-Five" program refers to the 2020 Social Credit system construction, which has a more specific financial credit construction, this is the development trend. From the industry demand, first, peer-to-peer industry as a whole has a continuous increase in the demand for credit; second, there have been many non-performing borrowers in the market, the problem of multi-platform loans: The current peer-to-peer industry is not included in the central bank credit system, The frequent overdue phenomenon that borrowers can still borrow on another peer-to-peer platform, even if they enter a peer-to-peer platform, is likely to lead to serious losses to investors and platform interests, and a crisis of trust for peer-to-peer platforms.

Holding the financial network and Shanghai Credit contract cooperation, is to share their advantages, while Yangchang. At present, Shanghai Credit Network financial Credit system is the only credit system for Peer-to-peer industry construction, there are also some small loans and pawn institutions to join, with the increase in industry and data contributions, can further reduce the negative impact of peer-to-peer blacklist borrowers, this is a peer-to-peer industry the common demand for benign development, To better evade risk. As for the Shanghai credit, in the past, mainly for individuals, enterprises to provide credit service and loan Enterprise rating services, Peer-to-peer Enterprises to join its Internet financial credit system, can also make Shanghai credit services more diversified.

Reporter: This cooperation contract to the industry to the user of far-reaching significance, will attract the attention of the investment industry, do not know how to hold the financial network on this idea?

Zhang Zhiwei: The financial network is a group of finance, the Internet, the legal industry elite and senior industrialists jointly created, as the current pro-civil Internet Financial Services platform, holding financial network mainly for platform investors and borrowers to provide transparent and convenient one-stop service.

We are currently using the O2O mode, which is the mode under the line plus line. Over the past six months, we have to provide collateral type of direct investment projects, the current investment users to join the network is generally more agree with such a model. Mortgage-backed loans under the O2O model are safe for investors, and investors are willing to accept them. However, the policy of the recent more mention to the security, not only for the development of the Platform refers to a road, but also for investors to do the investment risk reminder, when the rational investors encounter a normative platform, the construction of a virtuous circle.

Holding the financial network is currently carrying out new product innovation and design, mainly in favor of large data credit class loans, we believe that this is a trend of future industry development. After signing with Shanghai credit, the borrower credit evaluation will be more than a weight of the protection of data screening, is conducive to the sustainable development of platform credit products, and objectively for platform investors to provide more investment options.

The signing of the contract, the level of wind control to be promoted at the same time, the credibility of the platform has also been promoted, access to the investment community is also a normal concern. In fact, the financial network from the inception of the early years, has been favored by a number of investors, we are consolidating the status of the industry to expand business, but also in the search for more opportunities for cooperation. In the future, the financial network will be through the diversification of product strategy and cooperation mode of layout, continuous for the platform to push high-quality high-quality projects, so that peer-to-peer for the general benefits of finance really play their own strength.

Reporter: Internet finance triggers investment storm, what do you think of this phenomenon?

Zhang Zhiwei: From now on the overall internet financial market, indeed the pace of development is very rapid, investors enthusiastic, but has not reached the highest peak, at this time we believe that both the Peer-to-peer financial platform and investors need to be calm and cautious. Industry development and norms need time, during this period will inevitably expose such or such problems, especially investment risk and credit audit issues, we should not blindly follow suit. As the Internet Peer-to-peer Financial platform, the Treasury network will seriously do their own product specifications, risk control, transaction security and other aspects of the basic work, as investors I also suggest in the current hot investment trend of cautious choice of platform and products, really in the premise of security to maximize profits.

Reporter: Industry turmoil triggered a trust crisis, peer-to-peer regulatory policy is imperative, how to deal with the financial network?

Zhang Zhiwei: First of all, holding the financial network adhere to the essence of information intermediary, is to provide information services for microfinance institutions, adhere to the project one by one corresponding, do not build a pool of funds, in the wind control system, it equipment, funds and other aspects have done adequate preparation, adhere to the project information disclosure, and gradually improve the level of information disclosure.

For example, the financial network for the existing on-line products launched four-dimensional wind control system can be a great limit to avoid risk, holding the financial network to establish a strict internal control mechanism, and strengthen cooperation with external credit agencies to maximize the protection of investors ' interests. Only to protect the interests of investors, the platform can be sustained development.

Briefly introduce the four-dimensional wind control system of the financial network, the 1th is entrusted to the professional institutions of the cooperation of the guarantee, small loans for credit rating. Second, professional institutions wind control audit: professional institutions according to the mature risk audit mechanism for their projects and borrowers to carry out risk and credit assessment. Third, the loan Project Risk assessment model: With the risk assessment agencies, industry experts to develop the borrower credit scoring model. Finally, the platform of the Wind control team certification audit, the project to carry out the final check, adjust the amount of borrowing, to increase the requirements of security measures. Through layers of filtration, strict adherence to the quality of borrowers.

Reporter: Can see that hold the financial net for the user did a lot of down-to-earth work, hold the financial net have what words want to user say?

Zhang Zhiwei: Holding the financial network is a word to practice, down-to-earth business, we hope that users can rational financial management, we welcome more understanding and supervision of the financial network, as well as our products and team, I wish you every day to hold the wealth!

Reporter: Finally thank Mr. Zhang Zhiwei busy to accept our visit! Thank you!