Be the pleasure that should add bit of conduct financial transactions?
Since studying each other gold, this city achievement in field of each other gold lets Hangzhou the elder brother that do not have a horse is impressive: What take so numerous place to all know besides ant gold is super outside big Ga, still have many relatively low-key actual strength players: Netease finance, 51 credit card, dig money, copper street, small borrow net, Xin to close collect, careless root invests...
Peremptory, in field of each other gold, hangzhou can say to already was become with Beijing Shanghai Shenzhen side-by-side city of a gleam of. In an international meeting that Hangzhou holds today, ma Xiaohui of Hangzhou city deputy mayor says, hangzhou regards long triangle as regional banking service center, have 3 big distinct advantage and advantage: Abundant financial source, bright Internet + the financial program ability of urban feature, lead.
The platform of gold of many each other that Hangzhou already had introduced before date of community of the banking that do not have a horse, also will introduce player of other actual strength in succession henceforth, offer investor to consult. Talk about the net digging money of on user dimensions 100 million today. (impatient those who want to read evaluation conclusion is straight play article end)
Base of on 100 million users, gold of wide distribution each other
Dig money to held water 2009, build up applies at the tool of individual charge to an account, it is home is the earliest, also be the platform of charge to an account with user the at present largest cardinal number. According to official exposure, through 7 years accumulate, user of the accumulative total that dig money has exceeded 100 million, user system capacity is breathtaking.
The president that dig money holds CEO Li Zhiguo concurrently, it is one of Alibaba's earliest 50 people, later two into two A: Established 2004 " public praise net " , hind by buy in A; Participated in again later " A Liyun " found. Li Zhiguo is the angel investor that digs money originally, money is dug at joining in 2013 after, personally go into battle of a suit of armour.
The financing experience that digs money is quite superb. Begin from 2013, acquire IDG capital, vessel early or late sunshine capital, open bright achieve cast etc much home is famous achieve congenial compose to invest, accumulative total financing 160 million dollar. Ai Rui seeks advice to will be released on July 1 " 2016 China alone estimate of horny animal company is worth a list of names posted up " , to digging the appraise of money the value reached 530 million dollar.
In order to provide name of tool of charge to an account dig money, the giant user that have the aid of rises at be being accumulated gradually group, extend scope of business ceaselessly. So far, the platform of each other gold that digs money to had developed to cover the synthesization asset such as fund of charge to an account, pipe, conduct financial transactions, credit, community to run a service into. Its product line is quite substantial, move only upright APP has 7, it is thus clear that its are offerred " all-around asset management serves " ambition.
But from net of the official that dig money board piece in light of layout, the centre of gravity that digs money had turned to invest conduct financial transactions it seems that. The investment conduct financial transactions of the net that dig money board piece be called " dig money and valuables " , there also is special APP in mobile end " dig money and valuables " . Emphasize without Ma Ge today will see this product.
Dig money and valuables to went up in July 2014 line, half an year signed up for exposure a the basis is only 2015, up to 2015 first half of the year, dig money and valuables trade the forehead exceeded 20 billion namely. This clinchs a deal the quantity is more considerable. But after this digs money net to do not have republication operation report all the time, its trade data also did not receive platform of tripartite statistic, so unknown of current integral operation circumstance.
Dig data of operation of money and valuables. Cut pursues from " dig · of money and valuables half an year signed up for 2015 "
Project of conduct financial transactions is various, partial capital end is doubtful
The product that digs money and valuables is carried in PC and APP end is not identical. PC end has project of groovy conduct financial transactions only, and APP end still has foundation project. Length place is restricted, without Ma Ge sheet talks about project of conduct financial transactions today.
The items of project of conduct financial transactions that digs money and valuables is quite much, but wraparound for, 3 kinds of convention of no more than: One kind is to come loose mark; One kind is product of creditor's rights combination, from very brief project introduction, can seeing the asset that is correspondence is carried roughly is individual loan project; Additionally one kind big is creditor's rights makes over a project. Be cast to asset category includes wider, have the consumptive finance that faces an individual already kind, also have the borrow or lend money that faces a company, specific scale did not disclose.
Dig product of conduct financial transactions of money and valuables year change yield to upright at 6% to 11% , be in basically is an industry average level. Invest deadline 6 days to differ to 2 years, only little part project does not support ahead of schedule redemptive, major product or deadline is under 3 months, or every month, every quarter exits an opportunity once, fluidity is OK still for whole.
Dig product of conduct financial transactions of money and valuables. Check scheme digs APP of money and valuables oneself
The information that digs money and valuables to make over a project to creditor's rights shows relatively much drop. Examined the many projects that can see at present without Ma Ge, discover current creditor's rights makes over Fang Jun to be Lai male commerce to maintain put in order (Shanghai) limited company, and the cession of individual award amount is as high as 2000 much. But makes over creditor's rights is more abnormal, one kind is the creditor's rights of product of conduct financial transactions of bank of link up with, one kind is the creditor's rights that investment of link up with plans, all projects all did not provide relevant creditor's rights evidence.
Creditor's rights makes over the capital of the project to flow to. Check scheme introduces from project detail
Commerce protects grain company make receivable Zhang money technically, saying simply is, if an enterprise is in another enterprise to brushstroke needs money receiving Zhang, can transfer money of this receivable Zhang to the company that maintain put in order so, obtain fund from the company that maintain put in order ahead of schedule thereby. That is to say, what keep grain company hold by constant manage basically is link up with the creditor's rights of receivable Zhang money.
Found Lai male to maintain the government-owned network of grain company without Ma Ge, its official net introduces advocate the business that business Wu also is side of receivable Zhang money really. But the home keeps grain company hold and make over a large number of advocate the creditor's rights besides business Wu, this is stranger still.
Lai male protects grain company brief introduction. Cut pursues oneself Lai male maintains manage official network
Sought advice technically to dig money customer service with respect to this problem without Ma Ge, but do not know major spends a question, pass an explanation one time, still fail to remove the doubt that does not have Ma Ge. Investigated the setting of this company that maintain put in order again without Ma Ge, of short duration did not discover its and dig money to have equity correlation.
The letter wraps around half block is shown partly, it is to should guess simply
The exposure that digs money and valuables to look to lending money not only little, and stranger flower. With among them some loan project is exemple, to utility of borrower, loan these very crucial information, without the exposure of materiality, just say " project of this product capital flow direction just recommends and the high grade borrower after accusing strict examine and verify by the wind that dig money " ; Next, although be recommended to the project,just gave more introduction, but introductory means however very resemble guessing, half block is shown partly, be about to say to still rest.
Digging money and valuables is to use a letter first " Shanghai ZD investment consults limited company " will express " the project is recommended square " , it is not to plan to announce it seems that. But " ZD " what meaning be? If do not plan to announce, can use " some " the word will replace, the elder brother that do not have a horse is faint feel, dig money and valuables this is to want to let everybody guess.
Loan project introduces. Check scheme introduces a page from project detail
However, dig money and valuables to resemble be afraid that you are not guessed again, it is in the introduction below, continue to leak this company more information. The elder brother that do not have a horse decided very quickly according to these information, "ZD " express " certificate is large " , this group is " card big group " . And, return discovery later without Ma Ge, still appeared actually inside this introduction " certificate is large " two words, this is not discharge problem.
The method with same according to, did not have dope out of equestrian elder brother " DYCD " be " the first car is borrowed " , but anyway also does not have dope out " Hangzhou Xxsw consults limited company " it is He Fang after all divine.
To this, want to say without Ma Ge, dig money and valuables, you is this to want to guess with everybody? You gimmick of this enigmatical information exposure, half block is shown partly, and intended still innocently discharge problem, be to should work after all ah?
Dig the loan project of money and valuables, some has risk reserve, have a plenty of tripartite to offer counter-purchase or assure, but all announce because of information too little, cannot judge actual condition.
Be worth what carry is, dig money to already joined consortium of Chinese Internet banking in March this year, and the working focal point with the biggest this year association of each other gold, the likelihood is aggrandizement show a demand to the information of member unit. The other day, golden association released Chinese each other formally to be called history on the sternest letter wraps around standard, dig money to serve as academician, more accountability ask to undertake detailed information is announced according to association. But will look at present, no matter be case of specific still to integral operation circumstance project,dig money, information exposure all is not worth, improve urgently.
Of course, dig the quality of the loan project itself of money and valuables, perhaps be pretty good -- dig money to there is much data to accumulate in domain of charge to an account after all, these are the edge tool that make big data wind accuse, compare general P2P platform or have very large dominant position (the 51 bearing treasure that following what before having Ma Ge, evaluate at this o'clock is Hangzhou together is similar) . But even if high grade project also needs sufficient letter to wrap around will confirm, this is to add up to the requirement of compasses not only, and the aspirations that also is investor.
Did not see the trend that digs money to keep tubal field about bank financing at present. On its official net so called " trade capital is superintended in the round by the bank that enrol business " , via having Ma Ge and customer service to affirm, just dug money to open an account to deposit investment fund in the bank that enrol business actually, not be the bank financing on firm sense put a valve.
Communicate record check scheme with customer service of the government that dig money
Evaluate brief summary
