Poly investment and investment devaluation "vote +" new model

July 10, 2014, P2C platform together investment and financing in its official website announced the official launch of "vote +" online financial model. This model is different from the binary structure of "online investment - revenue" of the traditional online P2C platform. It can also get additional value-added services provided by project lending companies while gaining investment returns of the project, attracting many investors' attention.

In recent years, the rapid development of Internet credit, various platforms vary greatly, several companies hurriedly closed due to financial problems, resulting in ordinary investors in the process of access to Internet credit often encounter the same problem, "lend money to the business security it "People's financial needs are getting stronger and stronger. The Internet provides a convenient place and a channel for them, but it also faces the problem of lack of trust. The CBRC also disclosed that P2P should not cross the four bottom lines: First, it is necessary to clarify the intermediary nature of the platform; second, it is necessary to make it clear that the platform itself can not provide guarantees; third, funds should not be allowed to engage in capital pooling; fourth, illegal access to public funds must not be allowed.

In response to the requirements of China Banking Regulatory Commission, Poly Investment and Financial Holding Co., Ltd. adhered to the positioning of its own intermediary platform and actively explored new ideas and new ways of connecting the trust of lending companies, platforms and investors to the tripartite trust. According to the characteristics and business scope of the project lending companies, Investors provide value-added services or discounts, investors know who the business, where, what to do, but also on-site visits, visit businesses and enjoy the services provided by enterprises to improve the transparency of credit projects, the platform integrity endorsement at the same time, But also bring tangible benefits to investors, more enterprises have achieved some promotion effect, to achieve a win-win situation of the three parties.

In addition, some industry experts pointed out that the "cast +" model has its own inherent limitations. Not all project lenders are suitable for providing added value to ordinary investors. For example, Poly Investment and Financing The first "Investment +" project comes from a company that sells medical equipment and provides medical technology services. According to its own characteristics, the company can provide project investors with partial discounts on the cost of vertebral consultation VIP services and surgical fees , While enterprises with far-reaching relationship with people's livelihood will find it hard to draw lessons from. In response, the person in charge of investment and financing said that "cast +" is still in its infancy, more ways to realize the added value to be considered, but the "vote +" undoubtedly the emergence of Internet credit platform to obtain the confidence of investors to make A useful exploration. At present, the credit growth rate of the Internet has declined. It is not because of the enthusiasm of investors that a large part of the funds are deposited on a few limited large platforms. The bottom line is that small and medium-sized platforms that are part of the normative operation lack an effective endorsement of good faith and it is still hard to win the trust of investors despite the high return on investment and comprehensive capital insurance.

Poly Investment and Financing was established in early 2014, as a rookie on the Internet, from the very beginning of its establishment, in strict accordance with the standards of the bottom of the four corners, focusing on the development and innovation of P2C platform. The launch of the "vote +" model for the traditional Internet credit model completed a "micro-innovation", but also to reshape the trust between enterprises, platforms, investors, provided a completely new perspective.