Investment: To build a bridge for people with money and cash

Recently, as the country began to gradually open up private lending, peer-to-peer lending platform in the field of domestic investment and financing to become a hot topic, the wonderful investment is the current domestic Peer-to-peer lending platform in the wind. The investment is not a bank, neither deposit nor lending, simply said, it is an intermediary platform, the main goal is to provide personal (peer-to-peer) loans to the loan platform. If you have a little extra money, want to pass the "cash", to achieve a benign and rapid value-added assets, so that the capital of the "snowball" roll more and more, through the wonderful blend of "pull strings", the money directly lent to a stranger with credit. If you have a temporary inconvenience, the need for efficient low-cost financing to solve the immediate needs, but also through the wonderful melting of the "bypass", quickly find the right investors "lake emergency." Urgent money: Private lending platform open "the door" Liang boss is a Guangdong Shunde furniture maker, recently, for the money, Liang boss anxious like a hot cat on a hot pot, their vendors due to mismanagement, owe their millions of yuan of the purchase money is missing, and then came to a big order, urgent need a large amount of cash to buy materials. Liang boss believes that as long as the money turnover and put into production, his business will be able to pull through immediately. These days, Liang's boss reached out to his friends and relatives to borrow money, but their capital chain status is not optimistic. So, Liang's boss had to run to the banks, but for a mediocre SME like him, no bank was willing to lend to him. In order not to let oneself painstakingly 8 years of furniture factory closed down, Liang boss even wanted to borrow usury, although the interest is too high, the risk is too big, but with Liang boss said, the interest again high oneself also just less earn a little more than let the furniture factory collapsed better. "If the factory closes, the goods in the warehouse can only be sold as scrap." In fact, the private lending platform has opened up a new way of financing for the money-strapped financiers such as Liang's boss. For example, in the present, coup investment to 1.01 billion of the financing, providing three kinds of solutions: the real estate as a mortgage, through the wonderful loans p2p,1-3 days can be loans, mortgage, through the wonderful bank loans, 3-20 days to lend; 1-3 days to lend. For 10 million-1 billion of the financing, there are two solutions available, of which 10 million-30 million of the financing limit can be selected private placement, 30 million-1 billion or more of the financing limit can be considered trust method. With the help of this kind of private loan platform, the matching speed and fit between lenders and borrowers have been greatly improved, and the credit transactions with banks, private-equity institutions and trust companies have been faster and smoother. Have spare money: Private loan platform to open up new investment channels to talk about the current high prices nationwide, many experts and scholars analysis, the lack of effective investment channels so many idle funds into the real estate market is an important reason. Last year, investors held a wait-and-see attitude towards equities, funds, futures, gold and other investment projects, and bonds and someBanking products are safe, but return on investment is not high. Despite limited investment channels, there is no shortage of opportunities in the market. In September 2012, Professor Mao, a renowned economic scholar, made a speech entitled "Measures to tighten economy" in Foshan Financial forum, because it is now the economic adjustment period, many enterprises face financial difficulties, lack of money time is not very long, only need to borrow two or three months can turn over. This is a good opportunity for private lending. In private lending transactions, how lenders can quickly find a credit of unfamiliar borrowers, how to make their own funds to achieve recurrent investment, recycling, so as to achieve sustained and stable return on investment, which is a wonderful private lending platform has been committed to investors to solve. At present, the investment provides two kinds of solutions for investors: A person who holds large sums of money for a long time; For security reasons, it is necessary to keep the funds in other places outside the bank for a long time; the individual does not have the rich times to transact the financial procedures frequently, this kind of investor may choose the good melt fixed investment, entrust the good finance to carry on the , the cycle is at least one year, and the annual yield is about percent. Personal funds or relatives and friends of the funds need to add value; Funds within one year of the use of the plan; personal time is more abundant, can handle financial procedures at any time, such investors can choose wonderful and timely investment, as a good blend of Peer-to-peer platform investment in time, the cycle in accordance with the requirements of financiers for 1-12 months, the annual yield of up to 24% Above。 With the help of this kind of private loan platform, investors can realize the benign and rapid increment of the assets smoothly. Wonderful platform: Let the credit transactions more security attention to investment and financial friends have heard the advice of "investment risk, the market need to be cautious." There is no denying that any high-yield investment behavior is risky, and by leveraging such normative private lending platforms, the professional capabilities of the platform can be used to minimize the risks faced by investors and financiers. In fact, there is a strong legal guarantee for investing in such standard private lending platforms. According to the general rules of civil law 90th: legal lending relations are protected by law. The Supreme People's Court of the People's Court on the trial of lending cases, the provisions of natural persons, natural persons and legal persons, natural persons and other organizations of borrowing as a loan case to accept. The contract law No. 211: "The loan contract between natural persons for the payment of interest, the interest rate of borrowing shall not violate the state's provisions to limit borrowing interest rates." Some opinions of the Supreme People's Court on the trial of lending cases: "Six, the interest of private lending can be appropriately higher than the bank interest rate, but the maximum must not exceed the bank loan interest rate 4 times times, the excess of interest law is not protected." "23rd Chapter No. 424 of the contract law: an intermediary contract is an intermediary who reports to the client the opportunity to enter into a contract or provides the intermediary service for concluding the contract, and the client pays the remuneration." In addition to the strong legal support, the platform also has a complete set of early consultation, credit before the trialNuclear, after the loan follow-up, the management of the comprehensive and strict service flow and risk control system, the greatest extent to ensure that the borrower's good credit condition and the security of the lender's funds. In addition, the Miao-Rong platform also follows the strict mortgage notarization mechanism. Prior to the credit transaction, the coup will first go to the Housing Bureau or the DMV to investigate the borrower's property or vehicle mortgage status, if the asset is good, the financial advisers, the borrower and the lender to the house or the DMV to handle property or vehicle mortgage formalities. After the mortgage formalities have been processed, the three parties will then go to the notary office for the loan Notarization, which provides an effective guarantee for the lender's capital security. As an intermediary platform, the venture capital holds both lenders and borrowers at both ends, it is to do, through credit consulting, assessment, credit plan formulation, agreement management, management, and other credit management services, so that the loan platform at both ends of the foreign customers of the credit transaction behavior become more safe, efficient, professional, normative. And through the charging of the borrower's service fee profit is a good investment in the current main profit model.