Whether Huiying Jin Fu is legal or not is analyzed from the following four aspects:
1, depending on the platform service: Huiying Jin Fu platform is only a simple information intermediary, and cannot be used to sell products such as bank wealth management and brokerage asset management that are explicitly prohibited by the government. We must pay more attention to this.
2. Look at the platform interest rate: the platform interest rate of Huiying Jin Fu ranges from 8% to 16%, and the annual interest rate below 24% is protected by law.
3. Look at the platform guarantee: Huiying Jin Fu Platform itself does not make any guarantee, and all targets require the financier to provide sufficient guarantee measures, including third-party guarantee. If you don't see it, you can consult online customer service.
4. See if there is a pool of funds: the funds of Huiying Jin Fu platform users are fully managed by Remittance World, and it is more legal not to absorb, lend or raise funds.
Online lending, mbth is Internet lending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.
investment risk
1, qualification risk
Online lending is different from financial institutions. Financial institutions are managed by "net capital". Banks and trust companies must have their own registered capital, ranging from several hundred million to more than one billion or even billions. Moreover, registered capital is not used for doing business, but a guarantee and a "threshold". However, due to the low threshold of online lending companies, the government has not yet issued guidance, and platform software can be bought from thousands to tens of thousands. Many people who owe a lot in private lending have bought platform virtual borrowers and virtual mortgages to attract investors to invest at high interest rates. High interest rates are generally at least 30% per year, and individual platforms reach 50% to 70%.
2. Managing risks
Peer-to-peer lending seems simple, but it is actually a more complicated model than financial institutions such as banks. P2P online lending is a new industry and an innovative model of the financial industry. Its development process is only a few years, and the market has not yet reached a mature stage. Many investors and borrowers do not treat this kind of financial products correctly, but blindly pursue high returns, while those who need funds are eager to cash out. As an online loan company itself, because the original intention of its establishment is only to make profits, its organizational structure lacks professional credit risk management personnel, and it is difficult to grasp and deal with the problems in the operation of the platform, resulting in a large number of bad debts, and finally it can only close down.