No matter how good your brother is, you can't save your money.

"Brother, Help!" ”

"Yes, what do you do?" ”

"I want to borrow some money."

"Pia! Roll thick! ”

。。。 No matter how good your brother is, you cannot save your money. But what a brother can't do, an Internet finance company can do. Yes, the 11 started a hot campus "seniors help" team recently created a company, the field is internet finance. Shen Lei and his little friends now not only serve the cock silk students, but also began to serve Dick Silk enterprise.

Shen Lei's new project "Finance Fan" is a peer-to-peer financial platform, the model with the love we introduced before the investment, building blocks, silver and other similar to the net, belong to the P2B (Peer to Business) or P2C (Peer to company) category. For P2C we have introduced more, and its characteristics can be grouped into two points:

First, offline and guarantee agencies (generally need licensed financing guarantee company) cooperation, by the guarantee Company for project development and due diligence, and provide full principal and interest guarantee. The main customers for small and medium-sized enterprises, borrowers are generally to provide full value mortgage.

Second, the use of information advantages of the Internet, the enterprise debt into small pieces of the public chip. Platform side generally to the project to make two wind control and provide security at the same time, once the compensatory, need to urge the line under the guarantee company to perform compensatory obligations or joint and several liability.

P2C mode because of the relatively low entry barriers (but does not mean that there is no barrier to wind control), has recently become a number of Peer-to-peer entrepreneurial team's first choice. But "wealth Management" is a little different from the peers who have introduced a "re-guarantee" link in the trading structure. Its cooperation with the guarantee company by the "Zhongguancun Science and Technology Finance Guarantee Co., Ltd." to carry out two guarantees, the latter is a state-owned policy guarantee agencies, financing of the amount of collateral is said to occupy more than 25% of the whole city. So "financial fan" provides a "guarantee company-again guarantee company-platform" Triple wind control, the risk will be relatively lower.

Will the middle cost increase after the trading chain is increased? Shen Lei's answer is no. At present, "Financial management Fan" provides the annual income between 12% to 15%, the guarantee rate of 2% to 3%, cost structure and other P2B platform similar. For a secured company, it is also an investment in its own risk to guarantee the project to a third party, a rate that can be borne by the Guaranty company itself.

Shen Lei is a 88 stranger and is currently reading a blog at Tsinghua University. We are somewhat puzzled as to why an entrepreneur so young and lacking in financial background is going into internet finance. The answer to this Shen Lei from three angles:

1, there are start-up resources. Tsinghua Alumni Circle is more active, four co-founder of the mutual understanding, of which two from the Internet, one from the financial industry, another has a business to help resources. In addition to the team Shen Lei are over 30 years old, the age level in fact, and other Internet financial founding team is not much difference.

2, optimistic about the current opportunity to intervene. Although Peer-to-peer financing has been very hot since last year, and even some signs of bubbles, but Shen Lei that the market is far from being thoroughly developed. Shen Lei said that the current Internet Peer-to-peer banking users add up to only million levels (excluding offline), and as a private lending, banking alternatives, peer-to-peer and a large potential audience can be transformed.

3, that the Peer-to-peer project early relative to rely on financial resources, but more in the latter part of the internet operation and wind control capabilities, the advantages of the Internet background can be revealed in the middle and late.