Lufax has multiple risk control and security measures, and tries its best to ensure the security of the services you use.
1) Three-level risk control and supervision system
The absolute controlling shareholder of the company is Ping An Group, a fortune 500 company in the world, which embodies China Ping An's years of industry experience in developing comprehensive finance, and has a three-level supervision system of itself, the group and the government.
2) Pay attention to protecting investors' funds.
Lufax adopts a multi-pronged fund management system: entrusting a third-party organization to manage member funds and not mixing them with the company's operating funds; Account funds can only be transferred to the bank account number bound by lufax; Lufax has established a strict fund management process and a perfect supervision and monitoring system.
3) Data and information security
At any time, Jin Lu strives to ensure that customers' personal information will not be obtained, processed or deleted without authorization or accident. The operation of transaction type adopts a higher level of two-factor password authentication, supports secure socket layer protocol and 128-bit encryption technology, and is an industry standard for protecting data security on the Internet.
Lufax's background
According to its introduction in official website, lufax is an online investment and financing platform built by China Ping An Group, which belongs to Shanghai Lujiazui International Financial Assets Trading Market Co., Ltd. and provides investment and financing intermediary services for enterprises and individual customers. Established on September 29th, 20 1 1, with a registered capital of 837 million yuan. On the evening of March, 2065438+20 18 12, China Ping An released its annual report, showing that lufax has completed the C round of financing, with a post-investment valuation of about US$ 39.4 billion. From this enterprise background, lufax, backed by Ping An Group, is quite powerful. Simply put, lufax is a comprehensive financial management platform. Its products include P2P, funds, private placement, asset management plan, insurance and so on. Its platform is mainly consignment products and some self-operated products. Jin Lu's role in risk-taking is different between self-management and entrustment.
P2P—— Self-operated online loan financing under the aura of high income
Lufax has two wholly-owned P2P companies, namely Shanghai lufax Internet Finance Information Service Co., Ltd. (hereinafter referred to as "Jin Lu Service") and Qianhai Jinniu Loan (Shenzhen) Internet Finance Service Co., Ltd. (hereinafter referred to as "Qian Jinfu"). These two P2P financial products are sold on the platform of lufax, which can be said to be products produced and sold by lufax. Theoretically, no matter whether lufax is just a platform for selling wealth management products such as Jinlufu and Qianjinfu, the risk has nothing to do with it. However, two P2P financial products sold in lufax have a risk protection measure, that is, the introduction of credit guarantee insurance and guarantee company guarantee, so that investors' funds can be protected by stronger insurance companies and guarantee companies. For example, the "Huiying-An E" project of Jin Lu Service introduced the guarantee from the guarantee company, while the "Zhixiang-An e+" project of Jin Fu introduced Ping An Property Insurance and its guarantee company.