One, treasure of true be in harmony belongs to a net to borrow fund, what is the net borrows fund?
Before saying treasure of true be in harmony, must want to say what is the net borrows fund. The net borrows fund is strong actually entrust what the representative concerns to form a delegation investment mode, mode forms a delegation to had given too much job before so a lot of person is sung empty this kind of mode, but look strong now entrusted acting relation to solve form a delegation investment is having an accident the following inside cost issue, the risk is a lot of less than forming a delegation still. For instance firm of before one paragraph of some banking has an accident, allegedly a net borrows fund medium also thunder, take a person to go platform wanted to cover the house property of guaranty to solve, average investor does not have so great strength for certain.
The net borrows fund is preference of the risk in P2P investor group guard inferiorly model the opposite security that the user provides, high income, the actor that has good liquidity at the same time selects a product.
Its existence has 3 progress sense.
(1) lower threshold of conduct financial transactions
This doorsill is the doorsill that investment spends not simply, it is dispersive investment and the doorsill that invest choicely more.
(2) pass products plan avoid collect money illegally and capital pool problem
Pass fixed limit, and the way that decides those who invest mark first, basically avoid collect money illegally and the problem of capital pool. Although fill a value to queue up next first,this practice is worth bad-mouth, see specific contract how limit this share capital, and if judge,superintend, attribute small flaw, the plan changes to hold water to charge a cost again if needing can.
(3) promoted P2P of 2 class market active
If the net borrows fund,healthily progress continues, so as trade the volume rises, the 2 rank that formed creditor's rights of a P2P essentially trade the market, as a whole, it is meddlesome, helpful to promoting creditor's rights fluidity.
2, the future that the net borrows fund
(1) ability of operation of unusual to receiving capital fund trial.
Fund is borrowed to develop initial stage in the net, creditor's rights asset of management is not particularly much, actually technical content is not particularly tall. But a net borrows fund to want somewhat outlet, be full of a challenge actually again, especially at present the net borrows fund to be mixed in user base trade after the amount is large asset of direct butt joint, ability of carry of unusual trial run.
(2) 2016 will be the outbreak that the net borrows fund year, may ebb later.
2014 moment, poor platform is too much, integral risk is exorbitant also. The earliest net borrows fund bolide net to there was bit of pressure 2014. 2015, upturn, the net borrows fund development is very rapid, of all kinds innovation also very give power.
2016, the net borrows fund to may be greeted erupt period. But 2017 or after 2018, as P2P whole risk reduce, the net borrows fund to will be faced with " of the meaning of existence think " .
(3) the net borrows fund perhaps is one begins only.
The net borrowed fund to solve a few problems of P2P at present, also provided the platform of conduct financial transactions of a relatively secure high income to a lot of users. It is erupting level accumulates larger user number, perhaps can enter the start of Internet finance in order to serve as a few preeminent groups.
3, who does treasure of true be in harmony?
The graph is the virgin group of treasure of true be in harmony on, from which we can see this group is relatively whole. Sensible growing get finance, baidu comes out CEO/COO/CTO. The CRO that responsible wind accuses has had wall street to be experienced from course of study, have risk management experience. Although this posse team does not calculate top class and luxurious, but more competitive also.
At present till, treasure of true be in harmony obtained 10 million U.S. dollor of classics abb China A annulus financing, b of Chinese larch capital annulus financing, these famous wind cast an orgnaization endorse, also be to be in treasure of true be in harmony adds a letter.
Risk clew: The group is relatively young, especially technical group, amount of B annulus financing was not announced.
4, where did the money that you invest treasure of true be in harmony go?
The capital fund that runs on platform of treasure of true now be in harmony includes two kinds big: Standardization asset and nonstandard spend capital fund. Standardization asset includes to classification the A among fund and monetary fund, nonstandard change asset to include to supply catenary finance, little small credit, consumer credit, net to borrow the creditor's rights such as platform.
Treasure of true be in harmony alleges oneself investment safeguard is: Dispersive + actor choosing. The creditor's rights that borrows friendly side to see every brushstroke is less than 0.0001% , really enough and dispersive.
5, occurrence risk, who will buy sheet?
Once appear,the problem that investor pays close attention to most is problem, does principal and interest still have safeguard? From below can see in scheme of this piece of check, treasure of true be in harmony alleges square affirmatory principal and interest safeguards the asset of 95% , capital ensures the rest compliance. And with Chinese people insurance PICC reachs the strategy to cooperate, brush for account bankroll pilfer embezzle risk; And risk a shot in the locker is managed by the bank that enrol business, running water of a shot in the locker is fixed and open. What the information that treasure of true be in harmony safeguards about the user announces is relatively sufficient, but still be necessary to remind user attention.
Risk clew:
1) treasure of true be in harmony did not explain what is safeguard of principal and interest, what is capital safeguard. In the operation because be creditor's rights,the bag segments mode, very difficult clarity is limitted.
2) the collaboration with PICC, it is user capital pilfer is brushed merely embezzle risk safeguard, not be safeguard of principal and interest, this user is sure to see well. Although do not have which insurance company to offer what principal and interest ensures at present, but the user must regain consciousness, do not think have an insurance company with respect to no risk at all.
6, how does treasure of true be in harmony realize current?
The side that lend friend inquires a data, be informed its to be as follows logically:
Treasure of 1) true be in harmony buys creditor's rights with own reserves first;
Treasure of 2) true be in harmony comprises relevant creditor's rights " total creditor's rights is wrapped " ;
3) investor delivers fund treasure of true be in harmony;
Treasure of 4) true be in harmony segments creditor's rights bag, sale gives investor;
5) investor needs to carry at any time uptodate, treasure of true be in harmony counter-purchases creditor's rights to its with own reserves, but instantly resumptive cash.
Li Jiang of CEO of treasure of true be in harmony says when accepting media to interview: Expert of finance of group inside and outside, law relapses delibrate, this mode closes completely legally compasses, with capital pool " wood is relative " .
Risk clew: Be like treasure of fruit true be in harmony all creditor's rights are own reserves is bought prevenient, is the key of the problem how many own reserves treasure of true be in harmony has? As the amplification of business dimensions, its own reserves is adequate enclothe early days place to need to buy creditor's rights. This customer service did not give out to explain clearly.
7, epilogue:
Group of treasure of true be in harmony is relatively whole, already gained Chinese larch sth used to one's own advantage B annulus financing, its current creditor's rights is used dispersive + the mode that actor chooses, center Yu Xiaowei credit, classification fund, consumer credit, creditor's rights is relatively high grade; Of 9.08% year change accrual to be located in front row of product of current conduct financial transactions, carry can arrive that day now Zhang.
The risk that needs an attention is creditor's rights safeguard spends exposure ambiguous, actual and artificial in existence limits not clear risk; IT technology actual strength remains to strengthen; Own reserves buys asset pattern, to impeach of its capital pressure.
