Interview--Yi Tong Loan CEO Kang Wen we only do peer-to-peer middle of "2"

Peer-to-peer in China's development process, from 8 years ago, a spark, spread into the current prairie. November 3, Lenovo Holdings announced a big investment in Peer-to-peer veteran wing Dragon Loan, it is to the climax, but also become a carnival of all peer-to-peer practitioners, the major Peer-to-peer platform to reproduce this news, however, there is such a peer-to-peer veteran sitting in the corner, chongrubujing, and pour and laugh drink, Indifferent calmly look around the lively, he is today's interview characters-Yi Tong Loan CEO Kang. Easy to pass the loan is Beijing Yi Tong Loan Network Technology Co., Ltd. to build a mature investor preferred Peer-to-peer platform. Beijing Yi Tong Loan Network Technology Co., Ltd., founded in March 2011, the real payment of registered capital of 100 million yuan. As the emerging Peer-to-peer network lending platform, to security, legal, professional, fast, high investment returns, through the cooperation with the third party microfinance companies, third-party guarantee companies, law groups and other institutions, and through the acquisition of credit companies and other means to introduce insurance mechanisms to provide investors with a strong and comprehensive investment security, Create an innovative Internet financial model. Kang, Beijing Yi Tong Loan Network Technology Co., Ltd. CEO (CEO), to participate in the easy access to Peer-to-peer platform creation. More than 20 years of experience in the Internet industry, five years of experience in the Internet Financial Industry management, in this one since the 2013 has been widely noticed in the industry, can be regarded as industry veterans, with its professional and dedicated to lead the easy access loan out of a unique Peer-to-peer network loan Platform development Path. From the Internet to the Internet finance was born in Beijing, school in Beijing, working in Beijing, the Kang said that their 40-year 99% time is spent in Beijing, is "Red Star Erguotou, authentic Beijing flavor." 1991 graduated from the Capital Iron and Steel Institute of Physics (today University), was assigned to the Beijing Post office work, the beginning of the paging station to do the connection, the connection network needs to dial alone, because the work needs self-study programming, since then and the internet has forged an indissoluble bond. Joking in addition to art, from programmers, architects, product managers to Web site editors, SEO optimization, DBA and other Internet posts themselves have done all over, after 1999 years of Internet bubble, has seen the internet industry too many peaks and valleys. Looking back over more than 20 years of experience in the Internet industry, it is a microcosm of the whole process of China's Internet. 2010 Formal contact with Peer-to-peer, found this kind of industry is very interesting, and then continue to pay attention to its business and model, and then gradually in the Internet financial circle made achievements, and then joined the start-up period of the easy to borrow, there is a "combination of production and integration", with "mature investors preferred Peer-to-peer platform." Registered capital of 100 million yuan, the first push-and-merge model in the public Peer-to-peer platform on the line when the symbolic registration of 3 million, 5 million, 10 billion, easy access to the situation of the registered capital increase in the actual payment of 100 million yuan, the number in the industry is currently ranked third, indicating that the easy access loan and steady compliance In the platform mode, easy to borrow by virtue of years of financial industry background, in the domestic initiative to produce and thaw knotMode of Peer-to-peer Network loan platform, the borrower will be locked in the domestic new energy, environmental protection, cultural and creative, medical technology and other emerging industries in the High-quality entities operating enterprises. The financial statements of these enterprises can be reviewed, the use of funds can be tracked, business management can be monitored, the profitability of the enterprise can be inspected and evaluated. Access to credit, easy access to credit with a number of authoritative guarantee company to obtain quality investment projects, all the items have physical collateral. The platform has an independent wind control center, in addition to online audit, for platform excavation projects, wind control center professionals will carry out the project due diligence, effectively reduce the risk. Easy-access Loans will lead investors ' financial capital to these investment-worthy enterprises, to promote industrial development, while bringing investors higher returns. Therefore, compared with the traditional peer-to-peer point-to-point credit loan model, the easy access loan and the combination mode of Peer-to-peer network loan have greatly reduced the investment risk, the safety guarantee is more practical and more forceful than the strict structured design. For investors, these regulatory measures have significantly reduced the risk to investors, making investment smarter and reassuring investors. Self-discipline system and information disclosure system---Take the initiative to put yourself in a cage. May 2014, the Yi-Tong loan released the "Beijing Yi Tong Loan Network Technology Co., Ltd. self-regulation system" (hereinafter referred to as the "self-regulatory system"). This is the platform in the relevant national laws and regulations for the formulation of the system of its own operation and management, the system covers business continuity requirements, qualification conditions for senior personnel, operating conditions, operating norms, risk prevention, information disclosure, lenders/investors rights and interests protection, credit reporting, industry supervision and other aspects. The release of the self-regulatory system further clarified the legal boundaries of the trade attributes of the financial information intermediary and the business activities of the website, and then strengthened the compliance of the platform of the easy access loan. Kang said: "The reason for easy access to the world first, the release of the industry" self-regulation system, because of the current abnormal development of some industry institutions, just to obtain huge financing amount, venture capital as a development standard, ignoring the internet financial industry to risk control of high demand. Easy access to the release of the "self-regulatory system", is the initiative to shut themselves into cages, in order to strengthen the platform of self-discipline compliance. At the same time also hope to bring the whole industry to the orderly development of compliance, farewell to barbaric growth. "Doing business integrity is the first step." July 2014, in the 2014P2P Law and wind Control Research Forum, has always been low-key easy access to the release of the "Information Disclosure System", the industry, the market, the media are all askance. The regulatory layer has repeatedly stressed the importance of information disclosure, emphasizing the nature of Peer-to-peer platform pure information intermediary, can not do credit intermediary. Yi-Tong Loan dare to be an example, in the country more than 2000 Peer-to-peer platform first stand out to eat "information disclosure" this crab. According to the introduction, easy to borrow the information platform is divided into six levels, the project audit and wind control into seven categories, summed up 80. The information involved in these 80 items will be different from the object and be disclosed effectively on the basis of information security. At present, the barter loan begins to attempt to trade the letter in the processClassification, establishment of management norms and systems, and the use of manuals to lead by example to promote industry standardization. Set up an investor protection committee---give the key to the cage to investors. In March 2014, the Investor Protection Committee was set up under the CEO-Kang initiative. The Investor Protection Committee is a platform for easy access and loan Yi Tong Loan investors voluntarily set up a self-regulatory organization, by the easy access to investors and platform staff representatives together, through the normative regulations, regular meetings and activities to enhance interaction with investors to understand the real needs of investors to achieve the committee's benign operation and self-discipline management. Yi-Tong Loan is the industry's first and only one to set up the Investor Protection Committee Peer-to-peer Network Loan Enterprises. After the establishment of the easy-access loan investor Protection Committee, on behalf of investors, the Committee will participate in the open day and inspection activities of the easy Access loan organization, be invited to attend various celebrations and events held by the Yi Tong Loan, convene a meeting of the Investor Protection Committee of the easy Access loan, supervise the information disclosure of the easy access loan, supervise the Investor Protection Fund, Timely understanding of investors ' opinions and suggestions, and with other rights conferred by the Investor Committee. This is an excellent gospel for the investors of the easy access loan, and it is a sound voice of the industry development. Peer-to-peer has not been to make a lot of time, do wind control, control their own development speed of the current total trading volume of more than 850 million yuan, for investors to win more than 60 million yuan, compared to the same time on the platform of 2 billion or 3 billion yuan on the amount of turnover, the pace of easy access to the loan slightly slower. When asked about this question, Kang said: "Unlike other peer-to-peer platforms, the easy access loan has been artificially controlling its own development speed, now Peer-to-peer platform there are four kinds of risks: first, regulatory risk, second, moral hazard, third, operating risk, four, technical risk." Peer-to-peer platform has run away 100 dozen, as the policy is clear, the industry will also be washed, and because the policy is not yet clear, so easy to borrow only to do compliance peer-to-peer, will not do other. Now many platforms blindly pursuit of data, exaggerated publicity, the introduction of capital. Capital to platform development may be very important, but will not be a decisive factor, the real still depends on the platform business model is mature norms. The easy-access loan program takes three years to test the business model of the platform, and if this is the case, the wind will affect the operation of the platform to some extent. From this perspective, the ease of access to the loan is not so eager to be invested by the wind, only in line with the concept of easy access to investment in the venture capital is welcome. "The easy access loan has been online so far, not a bad debt, the industry has several platforms can do?" "For easy-access loans, wind control is the first standard, sound development is the core value of the entire enterprise." Since the inception of the beginning of 2011, the easy access to credit has always been to the interests of investors as the primary consideration, the active control of risk, standardized platform management. Prior to this, the easy access loan has improved the Investor Protection Committee, set up bank supervision account, set up a risk reserve account and other measures to standardize their own development. Yi-Tong Loans actively follow the footsteps of the industry, has now joined the Chinese Internet Financial Industry Association, ChinaInternet Association Internet Financial Working Committee, voluntarily accepted the supervision of trade associations. Exerting force "new Sanbanxi", compete to do the domestic first listed Peer-to-peer company June 2014, Yi Tong Loan and Citic Investment Securities Co., Ltd., Beijing Tak and Heng law firm, the CPA firm signed a strategic cooperation agreement, officially launched the "New Sanbanxi" listing work. Yi-Tong Loan has always been to the interests of investors as the primary consideration, the domestic first production and integration model of Peer-to-peer platform, and constantly introduce measures to standardize their operations. Now to launch the "new Sanbanxi" listing work is to further protect the interests of investors, strengthen platform compliance, promote the development of small and medium-sized enterprises, and create better social benefits. After the start of the "new Sanbanxi" listing work, through the "new Sanbanxi" system reform and the introduction of PE institutions, strengthening of the risk Committee, the Board of directors, the supervisory board and other governance structure optimization, so that the easy access to the platform for further development to better serve the small and medium-sized enterprises to create better social Call for supervision, compliance operations, we only do peer-to-peer middle of the "2" three of the standardized process to ease the investment in October, the national Peer-to-peer platform 38 run, breaking the last November, 34 platform to escape the highest single month record. Peer-to-peer entry Threshold Low, the industry more and more hot, the relevant regulatory measures have not been released, resulting in the whole industry mixed fish, capital pool, the deadline mismatch, Ponzi scam, run, and so on, these industries disorderly elephant endless. In this respect, Kang said, as an easy access to credit we call for the industry regulation can be promulgated as soon as possible, the law can be, punish chaos, standardize development. At the beginning of the establishment of the easy-access loan, the basic security wind control, financial security, credit security, legal protection and other five safeguard measures to strong protection of investors fund security, to comply with the operation and well-known in the industry, Kang said that a secure Peer-to-peer network loan platform, the first to achieve legal compliance, in line with the relevant national regulatory policies Second, we must have strong technical strength, a more stable and safer trading system; Thirdly, we should have strong risk control ability; The third is to achieve a high degree of transparency in the whole capital flow and creditor's rights, and finally to help small and medium enterprises to play a real role in helping to promote economic development. Kang said, easy to borrow only to do information intermediary, do not do credit intermediary, the CBRC regulation of the four red lines, we do not touch. In the Peer-to-peer field, we only do the middle of the "2", that is, only information intermediary channels. is incisive and sharp, one language point in the nature of Peer-to-peer! Seeing him rise tall, seeing his banquet guest, seeing his building collapsed. As a peer-to-peer industry veteran, Kang has seen too many platforms, from stretched to quickly get tens venture capital; also seen too many platforms from the zenith to the night the boss ran empty. It is the industry's wind and rain baptism, forged the leisurely atmosphere of the Kang, and other platforms on the traffic or flood monstrous, in the case of the Kang, easy to continue to lend their own strategy to go, steady, not Xu slow, because the wise perplexed, brave fearless. As an investor to the headquarters of the visit and the CEO communication, said: "Kang General, I believe that the platform of easy access to credit, more trust in the team. Ease of investment, easy to pass the loan! ”