Believe a lot of young associate also discovered when invest, decide the bounds that a few platform are P2P is more and more ambiguous. The assets of these platform butt joints is very substantial, have creditor's rights kind asset, still have fund kind asset, some platform return meeting occurrence fund, insurance to wait even.
And copper market is such, the definition that it gives itself is " Internet is integrated conduct financial transactions trades platform " .
It does not have its asset end, orgnaization of a lot of asset comes to his product through copper market sale, the orgnaization that cooperates with copper market at present has a lot of, include to maintain put in order among them company, small borrow a company to wait, still have platform of a few P2P even.
Scale is larger, obtain financing many rounds
September 2012, copper market is in Hangzhou to go up formally line. Data of the net that occupy an official shows, end at present, accumulative total clinchs a deal the forehead already was amounted to 190.9 billion,
2013, copper market is obtained China the angel that achieves sth used to one's own advantage annulus investment, of the same age acquires dollar of IDG capital ten million again A annulus financing, obtained 2014 associate capital of couplet of the gentleman below the banner the B of 50 million dollar annulus financing.
Copper market has 3 shareholder at present, all be a natural person, it is He Jun, Tang Ning and Deng Xu respectively. Among them the author that Tang Ning is appropriate letter not only, also be copper market the author that angel annulus invests Fang Hua to achieve sth used to one's own advantage.
What two rounds of financing walk along A, B is VIE structure, because this is in the shareholder information of copper market,see the figure that is less than them. But in IDG capital and Jun Lian the government-owned net of capital rates copper market investment case.
In the partner of 3 natural people of copper market, tang Ning and Deng Xu are occupied less, its author He Jun is occupied than even more 97% , he Jun is graduated from Zhejiang university, yualibaba assumes office after Ceng Xian, pay treasure, communication and liaison wait for an enterprise, in pay a domain to having rich experience.
Of platform other a few tall canals, also be a school graduate, also have relevant financial background, the group of copper market is more professional still.
Terminal of conduct financial transactions is given priority to with APP, accrual on the low side
The line of the products of copper market is very much, 2013 copper market go up line APP, at present terminal of conduct financial transactions is given priority to with APP. Can invest product of conduct financial transactions only on PC end, go up in APP besides can invest product of conduct financial transactions, still can buy product of fund, insurance.
Copper market serves license plate to sell fund, insurance directly without finance, in this kind of product, copper market serves as only " passageway " provide a service. But of Beijing in rectifying and reform an announcement already will " the financial product that is other company opens link port, expend to representative of other company collection, recommend the commission quality cost such as charge " the practice is brought into rectify and reform limits.
Although Zhejiang is saved rectify and reform an announcement to have not come on stage, but this kind is collaboration square " diversion " mode may is faced with rectify and reform.
The Cooperation Agency of copper market is very much, include to maintain put in order among them company, small lend a company, and P2P platform, assets of its ground floor is very accordingly substantial also, the credit that has a tradition already, guaranty is borrowed, also money of silver-colored ticket impawn, receivable Zhang protects manage business to wait.
In the business that cooperates with P2P platform, the creditor's rights that 8 give up see most is we borrow platform makes over a project, before borrowing 8 ring about us, evaluation passed (click " we are borrowed " 3 words can examine evaluation detailed information) , it is difficult that creditor's rights is made over it is one of big weak points.
With " cupreous principal and interest 18 period " for exemple, its creditor's rights comes from borrow at us, loan time limit 36 months, anticipate year turn profit for 12% .
Picture cut from net of copper market official
But the discovery of the mark that 8 give up examine us to borrow creditor's rights to make over a zone, 7~12 of lunar mark year change accrual to be able to achieve 13% above, why is that borrowed in us directly above cast?
Picture cut borrows government-owned net from us
The profit weak potential of copper market, return expression to be on treasure of copper of its current product. The assets of cupreous treasure butt joint is very substantial, include goods radical, mortgage / finance of credit, consumption, supply other and project of accept of catenary finance, bank, fixed income kind financial product, its turn profit 7 days years for 2.98% .
Picture cut from net of copper market official
And accrual of remaining sum treasure is the closest although drop somewhat, but already adjacent also 4% . Under photograph comparing, cupreous treasure does not have what appeal almost to investor.
Picture cut from remaining sum treasure
In addition, platform still has a product " happy overhead profit " series is You Tianan (Guizhou) Internet finance capital trades central Inc. (next weighing " Tian Anjin reachs place " ) issue.
The day installs belongings to be sure to be offerred for this kind of product honor the agreement assure to be sure, safeguard product capital reachs those who expect earnings to expire cash.
But of Beijing in rectifying and reform an announcement, had handed in a product to announce death penalty to this kind of gold. Make this kind of form with place and allied platform plus gold, wander in " financial capital exchange prohibits behavior " brim region, may exist join compasses venture.
Put a valve without the bank, set " cupreous wall plan "
Copper market regards an integrated economy as platform, whether can be attributed to its the net to borrow superintend, still not be very Anacreontic up to now.
But its regard an information as intermediary, accountability depart platform oneself capital and user investment fund. But 8 give up fill a value to invest a process in, discover its did not undertake tripartite mandatory, also did not go up line bank puts a valve.
Government-owned net alleges had signed the agreement that put a valve all right with Heng Fengyin.
Platform still is set " cupreous wall plans " the capital that will ensure an user is safe, end last year on September 30, "Cupreous wall plans " risk reserve total is 212 million.
Because do not have the receipt report that sees relevant bank issue, because this cannot decide the accuracy of risk reserve amount.
Brief summary
Beijing is rectified and reform the demand was made to a lot of detail in the announcement, very strict. Although of Zhejiang rectify and reform an announcement to have not allot, but both basis is the superintendency idea that will publish August last year, be opposite so for the platform of Hangzhou, of Beijing rectify and reform an announcement or have what draw lessons from a meaning certainly.
Of Beijing in rectifying and reform an announcement, will small to receiving lend the company, company that maintain put in order, assure the business mode of company assets includes rectify and reform limits, if Zhejiang is saved rectify and reform limits and Beijing very much the same if, copper market may be faced with large area to rectify and reform.
Platform scale is larger, the group is more professional also, but profit is smaller.
Cooperate to fund, insurance square " diversion " , the pattern that meets a collaboration with gold exists possibly join compasses venture.
Also did not go up at present line bank puts a valve, in addition, accomplishment of customer service major also remains to rise.
