There are a lot of names in P2P probably you also had understood quite, what puts tubal bank apanage to change, year spend reserve of yield, risk, fund mandatory, capital puts pool of fund of equity of collect of canal, illicit, capital, anticipate, pang fraud, these a lot of vocabulary that we hear not less, I say to nod the vocabulary of term of an unexpected winner that I feel seldom to see below!
Firm add
Namely rigid cash, at present main concentration maintains product of this conduct financial transactions, share in the bank after fiducial product expires, bank / trust company must want investor allocation capital and earnings, plan when conduct financial transactions / fiducial plan appears cannot as scheduled when cash or cash difficulty, bank / trust company must undertake reveal all the details is handled.
Say simply even if " even if invests loss, also can protect maintain income even originally " . Current, the regulation of firm add does not have legal basis, just inside the industry one won'ts do of article " established by usage " . Be in especially fiducial industry, firm add is fiducial license plate " label " one of.
Wind is cast
Venture capital investment is a kind of form that private equity invests. Everything has be used in a general sense the investment of high risk, high potential profit. Be called venture capital investment, because a lot of uncertainty that be in is put in venture capital investment,be, make its invest to have a risk extremely.
Generally speaking, venture capital investment is invest in has the newly established company of new and high technology, the author of these enterprises has very outstanding technology special skill or knowledge, but experience is lacked on company management. Additional, a kind of new-style technology whether in short-term inside translate into is actual the product is accepted by market place, this also is not affirmatory. But undeniable is, the high return rate of venture capital investment.
Guaranty mark
Point to leasehold person with certain pawn (house property or car) as assure the loan mark that content issues in platform, after pawn is evaluated through major, be in relevant section (room canal bureau or car canal place) conduction guaranty registers formalities.
In principle is with the appraise of pawn the value has loan to consult. Borrower must remand in the exactly the amount inside conventional deadline loan, otherwise lender has authority to handle pawn, in order to repays loan principal of the agreement, accrual, punish the other charge such as breath, penalty due to breach of contract.
Assure mark
With assure the forehead spends issuance loan to be nominally assure mark, be offer the loan prize that assure by security, after borrower exceed the time limit by principal and interest of security pay for sb and expect to be repaid later.
Assure loan mark labels normally " load " word, it is to assure authoritatively the data that uploads according to borrower scanning undertakes examine and verify, security is done with the net assets of its platform or the platform equity impawn that its have assure, assure according to talk things over between the credit security of borrower and borrower and signing pledge formalities, ensure risk control is inside reasonable range.
If borrower expires reimbursement occurrence exceed the time limit, by reimbursement of principal and interest of security pay for sb and expect to be repaid later, creditor's rights is made over for security all. Overall and character, assure the sign that mark always assures than doing not have is good.
Honor award
Point to P2P platform to go up, the borrower of honor award does not need to offer assure, can obtain loan by his credit only, assure as reimbursement with borrower credit rate. Honor award is the loan sign with the earliest P2P. Because system of foreign individual credit is relatively sound, because this is in abroad relatively popular.
Operation of means of this kind of loan is convenient, but the risk is bigger also, the circumstance such as foreground of level of can square to loan economic benefits, management, development undertakes general platform make an on-the-spot investigation in detail, in order to reduce a risk. Compared with guaranty mark, the risk of honor award basically reflects in: The analysis that logarithm of platform of whether true; occupies the data that platform obtains is reliable.
Capital safeguard
Capital safeguard is to point to, when person of conduct financial transactions (the person that borrow) the loan of investment appears when serious exceed the time limit (namely exceed the time limit exceeds 30 days) , the net borrows platform the odd loan principal that to pay for sb and expect to be repaid later of person of conduct financial transactions this loan did not remand or principal and interest (the regulation of specific pay for sb and expect to be repaid later that particular case looks the kind that invests mark is accurate) , build a safe investment climate for person of conduct financial transactions thereby, make sure the safeguard of the capital safety of investor plans. Alleged " capital is ensured " , it is to show from every pen loan is trapped raise certain scale (it is commonly 2% ) as risk reserve. Appear bad Zhang, use the capital pay for sb and expect to be repaid later of capital pool first. Be like reserve of risk of bad Zhang prep above, suspend pay for sb and expect to be repaid later, await pay for sb and expect to be repaid later of the redo after the reserve of new extraction appears.
Wait for collect remaining sum magic art
Need a kind of method that collecting remaining sum magic art is value of the appraise when P2P net borrows platform to be in and be being bought. Outstanding achievement of policy environment uncertainty, platform changes gain of fast, future is forecasted hard wait for a characteristic to decide P2P net borrows platform appraise to be worth hard the appraise of applicable tradition is worth a method. At present the commonly used appraise inside course of study is worth a method to collect remaining sum magic art to wait for, wait for with platform namely receive remaining sum to be base, the preliminary estimate of the platform that affirms award through appraise value coefficient is worth, preliminary estimate value subtracts bad Zhang gets the final estimate of the platform of mark is worth.
Article out at resurgence fortune (Www.whzxcf.com)
