Minsheng Online Peer-to-peer Network loan platform first product main bill Finance

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21st century economic reporter recently learned that the people's Livelihood E-commerce Co., Ltd. (hereinafter referred to as "Minsheng") formally involved in Peer-to-peer network lending, the beginning of this year began brewing Peer-to-peer platform "People's livelihood easy to borrow" has been officially external operation on July 15. Among them, the first product has also been issued, will be officially on July 16 interest.

This section is called "E Ticket Pass-2014-0043" products, for the recent popular acceptance of the Bill financing products. Project total of 198,000 yuan, expected annual return rate of 5.7%, the period of 65 days, September 19, 2014 expired.

Minsheng is backed by Minsheng Bank, in the bill type of Internet financial products issued by the advantages, including the bill audit and trusteeship, so the first product main bill in anticipation, it is expected that such products will also be one of the platform's most important products. "A commercial bank, Shanghai Electronic Banking department, said.

Our correspondent learned that in the rapid rise of the bill financing market, the commercial banks, which have a large amount of negotiable instruments resources, are also exploring to intervene in this field, including Societe Generale and other related research.

In the people's livelihood easy to borrow on the line, Minsheng Electric commerce, internet finance two core business areas have already been laid, among them in the electric business has launched Business-to-business, O2O, three platforms, respectively, for the people's Livelihood easy trade, Minsheng Mall, neighboring home network.

Reporter from a close to people's livelihood easy to borrow information to understand, people's livelihood easy loan official domain name March has been registered, July early platform framework has been basically completed, and then has been in the beta, until 14th night, the platform is still under discussion, modification.

Bill Finance First

The so-called Internet Bill Financial management, refers to the financing party to hold the bank acceptance of the bill to the investors set the pledge, due to the custody of the Bank collection repayment.

21st century economic reporter learned that the "e-ticket-2014-0043" signed a total of two agreements, one is for the financing side of the "Pledge loan agreement", one is for investors "commissioned agreement." The former mainly deal with the details of the financing of the acceptance of the bill.

"E-ticket-2014-0043" pledge agreement shows that the borrower is Shenyangchanglin Trading Co., Ltd., founded in 2009, the main auto parts. The acceptance of the Bill of exchange financing for business turnover, repayment of money from the collection of drafts repayment.

The so-called acceptance of Bill collection, refers to the commercial banks in accordance with the payee entrusted to the payer to collect money in the process. In layman's terms, the repayment source of the above bill financing is the bank cashing the bill maturity.

The electronic Banking department said that in this process, the bill's pledge financing in essence look a bit similar to the transfer of negotiable instruments, the general need for enterprises to the bill to the platform, after the bill for platform possession, enterprises need to handle endorsement signature. In addition to paying the investor's income, the enterprise also needs to pay the corresponding financing service fee to the people's Livelihood easy loan platform.

July 15, the 21st century economic reporter further calls people easy to borrow, the other party concerned said, "e-ticket-2014-0043" corresponding to the paper issued by the Pudong Bank, that is, the bill by the Pudong Bank undertakes to honour the bill by the Minsheng Bank and the people's livelihood easy to check together.

In addition, and the general Peer-to-peer different, people's livelihood easy to lend to the investment threshold is defined, the minimum investment limit of 1000 yuan.

Minsheng Bank Audit + trusteeship

People's livelihood easy to borrow foreign claims platform has two main partners, respectively, Minsheng Bank, Po Yi Tong. The latter is a third party payment institution.

21st century economic reporter from the above sources learned that the "e-ticket-2014-0043" corresponding to the acceptance of the bill, in addition to the common audit by Minsheng Bank, but also to the Minsheng Bank managed warehousing. The platform also calls this project "bank level audit".

"In fact, this is the core of the bill finance step." "The above-mentioned commercial Bank electronic Banking department personage said, although many bills finance plays" the bank acceptance "0 risk gimmick, but the bill financing risk cannot be underestimated, the main risk is two aspects: one is the platform reliability; First, the bill authenticity, cannot exist the loss, the alteration, The imitation behavior.

In his opinion, as the issuing body of the acceptance bill, commercial banks are more professional in the identification and trusteeship of bills of exchange, which may be the reason of the first main paper financing of the people's livelihood with the background of the banking system.

In addition to the bill trusteeship, in terms of capital, according to the above pledge loan agreement, Shenyangchanglin Trading Co., Ltd. needs to deposit funds in the designated account before the repayment date, this designated account is named "Beijing CIC Branch Letter Electronic Commerce Limited Liability company (PO Easy to pay the operation maintenance side) customer pays". And the bank is CMBC Beijing first body branch.

The reporter further learned that July 17, the people's livelihood easy to loan will also launch a second product, called "Ruyi 3rd", the expected rate of return of 6%, longer term of 119 days. This is a bank certificate of deposit Pledge product, also cooperates with Minsheng Bank.

Another noteworthy is that, unlike the general Peer-to-peer platform, People's easy to borrow platform did not introduce a guarantee company, insurance companies to carry out platform projects to increase the letter, which is consistent with the regulatory layer of peer-to-peer positioning, but in addition to people's easy-loan yield generally lower than other platforms, whether it can be recognized by investors

21st century economic reporter understand that, in the Peer-to-peer platform, the Internet financial sector is still not set up, and it is intended for the financial assets Exchange, network small loans, security and other business expansion, the formation of a complete supply chain financial chain.