Question 2: What does the pool of funds in P2P mean? Simply put, the fund pool means that the investors' funds first flow out to the account designated by the platform, and then match the projects. In the time difference between these two actions, the funds stay in the platform account, and the platform with the fund pool is easy to run. Therefore, if you want to find a P2P platform hosted by a third party to prevent the platform from running away, you can look at the platforms such as Qile Rongrong E Platform and Jing Rong, which are all provided with fund supervision and clearing services by third-party payment platforms.
Question 3: What does China Jinchi mean in p2p industry? The fund pool, as its name implies, is to pool funds together to form a space for storing funds like a reservoir.
The role of P2P industry fund pool is to cover overdue bad debts, provide liquidity and improve user experience.
Investors prefer short-term projects, while real loan projects often have a long term; The growth of loan projects is irregular, while the growth of funds is relatively flat. In order to balance these two pairs of contradictions, the platform expects to allocate funds through the fund pool.
For P2P platform, the criterion to judge the fund pool is whether the capital flow precedes the information flow. If the investor's funds flow into the account designated by the platform first, then match the project. In the time difference between these two actions, funds stay in the platform account, forming a pool of funds.
Classification of cash pools:
Small-scale short-term fund pools are generally formed in the process of recharging and deposit (including fund standing guard), before bidding review and before the project is expected but not determined.
The fund pool actively operated by some platforms is mainly manifested in bid opening, maturity mismatch and bid issuing mode conversion. False bidding, self-financing and other issues are closely related to this kind of fund pool.
The fund pool has even become the source of illegal fund-raising and fraud on some platforms. For example, the following methods of operation:
1. Directly forge the borrower and the project for false bidding, and the proceeds will be used as the deposit reserve.
2. Forge the loan amount and exceed the bid.
3. Forge the loan term, short bid and long bid, but the platform issued a long bid, which occupied funds through the mismatch of time.
4. Through popularity, queuing funds will be used as liquidity reserve.
Avoiding the risk of fund pool:
A prerequisite for the good operation of the fund pool is to ensure the safety of funds and ensure that they will not be misappropriated. At the same time, investors should have enough confidence and will not run away easily.
The regulatory environment requires that the P2P platform should not use the fund pool model, but should adopt fund custody. If the platform can't get in touch with investors' funds, the risk of running away from the money is very small, and investors' funds will not be misappropriated and there will be no deficit; One-to-one allocation of funds and projects will not cause a run.
Question 4: What is the cash pool business cash pool (also called cash pool)? The fund management model was originally developed by the finance companies of multinational corporations and international banks to uniformly distribute the global funds of the group and minimize the net positions held by the group. The fund pool business mainly includes account balance transfer of member companies, daytime overdraft of member companies, active receipt and payment, entrusted lending between member companies, and interest bearing of member companies on deposits and loans of the group headquarters. Different banks have different expressions about cash pools.
Gather funds together to form a storage space similar to a reservoir, which is usually used to raise funds for investment, real estate or insurance. Insurance companies have a huge pool of funds, which is balanced by the outflow of compensation funds and the funds of new policies. Banks also have a huge pool of funds, with loans and deposits coming in and out, which makes this pool of funds basically stable. The fund is also a pool of funds, with subscription and redemption. The inflow and outflow of funds make the funds available for investment in a relatively stable state.
Citibank defines cash pool as: cash pool structure is an automatic allocation tool for inter-enterprise fund management, and its main function is to realize centralized control of funds. The cash pool structure includes a main account and one or several sub-accounts. The automatic transfer of cash pool funds usually occurs at the end of the day, and the amount transferred depends on the end of the day and the target amount of each sub-account. In the end, the balance of each sub-account is the set "target balance", and all the remaining funds will be concentrated in the main account.
In the 2006 Asia-Pacific Cash Management Guide, HSBC defined the cash pool as: cash pool, also known as total interest, which offsets the balances of multiple accounts and calculates the interest on the net balance. This is to transfer the balance of multiple accounts through the transfer mechanism, so that funds can be substantially transferred and arranged centrally between accounts. Fund * * * categories include zero balance account (ZBA), target balance account (TBA) and automatic investment account.
At present, many domestic commercial banks, such as China Merchants Bank, put forward the fund pool management, which is to realize the centralized operation of funds by means of fund transfer and scheduling under the circumstances that there is no transaction background, interest needs to be hedged, account balance can still be separated and account balance is concentrated, and the flexible use of entrusted loans to the greatest extent. In the cooperation between the group and the bank, the bank is the lender, the group company and its subsidiaries are the entrusted borrowers and borrowers, and then a package of entrusted loan agreements are realized through e-banking, so that the original business that needs to be handled separately becomes an intensive business and process, and the unified operation and centralized management of the group funds are realized.
The centralized fund management mode of some large enterprise groups in China includes two lines of revenue and expenditure, internal banks, fund settlement centers and financial companies, and most of them are settlement centers and financial companies. The fund settlement center is usually a specialized organization established within an enterprise group, which handles cash receipts and payments and current settlement business of all member units of the group. Usually set up in the finance department, it is a functional department that independently operates funds. The Finance Company is a non-bank financial institution approved by the People's Bank of China and established under the Group to provide supporting financial services for the development of group members.
Within the framework of the cash pool, the group company and its subsidiaries are entrusted borrowers and borrowers. The overdraft of subsidiaries in the fund pool is a loan, and interest should be paid; On the contrary, the deposits in the pool are interest-bearing loans. Therefore, the cash pool has formed a close strategic alliance relationship between the group and commercial banks, which has a unique management effect. Even if the group manages funds through settlement centers or financial companies, it should also introduce the cash pool model to make the group's fund management system and process more efficient.
Question 5: What do you mean there is no cash pool? Gather funds together to form a storage space similar to a reservoir, which is usually used to raise funds to invest in real estate or insurance.
Insurance companies have a huge pool of funds to balance the outflow of paid funds and the funds of new policies.
Banks also have a huge fund pool, and the inflow and outflow of loans and deposits keep this fund pool basically stable.
The fund is also a pool of funds for subscription and redemption, which makes the funds available for investment in a relatively stable state.
The cash pool is also called the cash pool. The fund management model was originally developed by the finance companies of multinational corporations and international banks to uniformly distribute the global funds of the group and minimize the net positions held by the group. The fund pool business mainly includes account balance transfer of member companies, daytime overdraft of member companies, active receipt and payment, entrusted lending between member companies, and interest bearing of member companies on deposits and loans of the group headquarters. Different banks have different expressions about cash pools.
Question 6: What does the pool of funds mean in economics? Money pool in economics?
Someone's duty
Dongfang shangying
(mantra)
In economics,
Internal affairs of the fund
Question: What is the difference between p2p fund custody and fund pool? What is fund custody?
The meaning of fund custody is that the capital flow runs in a third-party custody company, not through the bank account of the platform. In order to prevent the platform from misappropriating trading funds due to poor management, it will bring risks to both parties.
What is the capital flow of the fund custody model?
Take Limin.com as an example. When registering, investors and borrowers need to log on to the third-party dual payment platform and open their own IPS accounts. The platform will also open the merchant number in the third-party payment, but they can only do two operations: unfreezing funds and refunding, and cannot transfer money or withdraw cash. When the investor recharges, he recharges the money in the bank card to his IPS account in Shuanggan, not to the platform account in Limin.com. In fact, the user name registered by customers in Limin.com only plays the role of fund reconciliation, and does not involve the flow of funds, that is, we often say that information flow and capital flow are separated.
It can be seen that in the whole process of capital flow, capital flow does not go through benefiting the people. Com, but directly transfer money between the third-party platform payment platform account of the investor and the borrower. Only when the third-party payment platform account of the online lending platform receives the due intermediary service fee will some funds be transferred out, so Limin.com cannot use the funds of investors and borrowers in the whole process.
What is a pool of funds?
The pool of funds is to pool funds together to form a space for storing funds like a reservoir, which is the pool of funds. Insurance companies have a huge pool of funds, which is balanced by the outflow of paid funds and the income of new policies. Banks also have a huge pool of funds. The outflow of loans and the inflow of deposits have maintained the stability of this fund pool.
How to distinguish?
The method is simple. Under the fund pool model, investors' funds will first flow into the bank account of the online lending platform, and the online lending platform can use this part of the funds. In the fund custody mode, the customer's funds are directly transferred on the payment platform, and the online lending platform cannot use the customer's funds. Therefore, the customer and the online lending platform in fund custody must register a separate payment account on the third-party payment platform and hand over the control of the funds to the customer and the payment platform.
When you decide to invest in a platform, you must see whether investors, borrowers and platforms have opened accounts in third-party payment companies.
Question: What does p2p fund pool mean? What's the difference between P2P fund pool and bank fund pool? P2P fund pool means that investors' funds flow into the accounts of online lending platform companies through various channels. However, P2P platform is only an information intermediary. If you manage your own fund pool, you will be suspected of illegal fund-raising, and it will also bring a series of risks to investors.
Banks are organized, backed and guaranteed, and the fund pool is suitable for their operation.