Let's talk about the analysis of treasure digging:
I. Basic information
Li Zhiguo (Haibei), chairman and CEO of Digcai, is a well-known product manager, entrepreneur and investor in the Internet field. He once worked for Alibaba. It has been six years since its establishment in 2009, and it has won the favor of 100 million users in the past six years. It is not a simple online lending platform that can be described. According to the introduction of the platform, the accumulated financing of the B round is 65.438+0.3 billion US dollars. Unlike some platforms that get tens of millions of venture capital-. . In fact, it may just be pressing the line. . )
Second, the project
Most of the targets of the platform are short targets, many of which are within 30 days, and the yield is low, but it still has many different choices, such as money funds and wealth management funds. However, as an online lending platform, there are still some shortcomings. I don't know if the platform was established too early, and I feel that many points can't keep up with the situation. For example, the transparency of the platform is not high enough, the information disclosure of borrowers is not detailed, and the flow of funds is relatively low. There are also risks in the split and transfer of bonds.
Official website shows that the platform has three targets: Yinxinbao (the investment direction of Yinxinbao products is bank wealth management products), Yingxinbao (government bond investment wealth management products) and wealth management treasure (high-quality credit assets). There are also monthly 18 financial day interest rate hikes, and some used car loans cross the bridge. Monthly salary Bao Monthly salary Bao bears interest every month, divided into 12 periods, with a fixed rate of return, which increases month by month. The yield of the first installment is 6%. If the investor does not apply for redemption, 12 can enjoy the annualized rate of return of 12% in installments until the investment expires, and the monthly principal and interest will be reinvested automatically. The monthly salary treasure plan is mainly a monthly salary treasure customer-specific project provided by Digcai in cooperation with Jiufu, including more than 500 creditor's rights, and the average loan amount is about 6,543,800 yuan. The main purpose of funds is capital turnover and business development. Compared with the general online loan investment, the advantage of monthly salary treasure financial plan is mainly reflected in diversified investment, which disperses the investment risk of creditor's rights projects to some extent. However, this mode of collecting creditor's rights projects first and then launching a financial plan for financing has certain information asymmetry risks. There is no transparent information disclosure for each creditor's rights project, and investors are not very clear about the whereabouts of the invested funds. In addition, although the financial plan has safeguard measures such as risk reserve, joint liability of third-party guarantee companies, and supervision of Ping An Bank, as far as the current online loan market is concerned, this safeguard system is universal and has no comparative advantage. Generally speaking, the monthly salary is not very competitive.
Third, risk control.
1. There is a great degree of policy risk in the split transfer of creditor's rights.
2. The liquidity of funds is not strong. 3. The transparency of the website is extremely low, and even the words "a well-known financial enterprise" are used.