In fact, financial settlement literally means that both parties agree to repay the principal and interest within a certain period of time. The financing party is an enterprise, institution, legal person or partnership, and the investors are also divided into the threshold of qualified investors.

Constant volume has strong pertinence and fluidity. The purpose of financing is to promote the development of the real economy. At the same time, it has been examined and approved by local financial offices as big as the State Council, and the security is also checked at different levels. Not only should Dingrong's products be filed in the Gold Exchange, but also the business qualifications of the Gold Exchange should be filed in local financial offices.

What is the difference between city investment and political trust?

1, the legal channels are different.

Political trust and financial settlement are filed in local exchanges, through the channels of local gold exchanges, and are mainly under the jurisdiction of local governments for examination and approval; Zhengxin Trust Company is its own channel, and the trust company is under the control of CBRC. So this passage is different.

2, the priority of solving is different.

For financiers who invest in the same city, when local platforms are short of money, they will generally give priority to solving small retail investors with high costs and scattered funds, then solve the money of trust large retail investors with pooled funding sources, and finally solve the money of trust single funding source!

Of course, a single source of funds, such as gold, silver lease money and bank money, will be solved later than trust money, because the cost of lease and bank money is lower than trust money, and when there is less money, the higher-cost funds will generally be given priority.

Because the city investment is considering a solution, what they want is to pay back all the money they owe. City investment should consider the social impact caused by breach of contract. Small retail investors have little money and many things. They like playing cards without rules and don't know the rules. The influence is very bad, so they usually give priority to solving the money of the smallest retail investors. As for the construction party's money, the order of settlement is after the bank's money, which is why the construction party is willing to go out to do discount financing and then get the project payment as soon as possible.

3. Risk control measures are also different.

Generally, political trust will be mortgaged by land, many of which are not, but some of them are mortgaged by land.

But in fact, land mortgage has no substantive function, and it is really a breach of contract. It is almost impossible to dispose of the land in the hands of local ZF, so this is just a better form of risk control. If any local department doesn't cooperate with you, the mortgaged land can't be handled. As for the pledged accounts receivable, it has no practical significance. I hope readers will know the true side of political trust as soon as possible.

Political trust is invested in faith because of the credit of local ZF. As for other forms of risk control, they are all decorations. Look at the credit of government letter, but also look at the financial strength of the region and the default cost after the project defaults. The stronger the regional financial strength, the lower the probability of deferred repayment of projects with higher default costs. As for the ultimate risk? As long as it is a political trust project of a pure platform company, it rarely touches the industry state-owned enterprises and ordinary entity state-owned enterprises. In the long run, the final risk of a game of chess in the country is infinitely close to zero, and the probability of hurting the principal is extremely small.

4. Payment methods are also different.

The trust model is that investors give money to the trust company based on their trust in the trust company, and the trust company then gives the money to the city investment. When repaying the loan, the city investment first transfers the money to the special account of the trust company, and the trust company then gives the money to the investor. Trust companies played a certain role as a credit intermediary, especially in the early days, such as the trust before 20 18, which not only had high returns, but also most of them were rigid redemption. However, since the deleveraging of 20 17, due to the large scale of trust and high financing cost, it has been the focus of the regulatory authorities in recent years. The regulatory authorities require trust companies to continuously reduce the scale of financing, and the scale of trust has been reduced from more than 30 trillion at the peak to more than 20 trillion. Like this year's goal, it is still necessary to further reduce the scale of one trillion yuan, especially the scale of trust companies flowing to real estate companies. The restrictions are the most severe, because in the past, almost half of the trust financing funds flowed to real estate. Under the general policy of not speculating on housing, it is necessary to ensure that funds flow to real estate through various financing channels. Not only the real estate trust is strictly restricted, but also the money invested by banks in real estate companies is strictly restricted.

Political trust means that investors pay the money directly to the city investment company, and when the money is returned, the city investment company pays the money directly to the investors. This is the most direct peer-to-peer model, and the bank is also clear that there is no way to default. Product structure is generally designed in this way, and only in this way can moral hazard be minimized. Because in the last two years, because the product process design is unreasonable, there has been a precedent of moral hazard. Like the Zhejiang N technology project exposed some time ago, the root cause of moral hazard is that investors don't call the city investment company directly, but call the trading center, and then the manager colludes with the people in the trading center. The money was not paid in full to the account of the city investment company, and the funds were diverted to pay for other projects. In the end, if the contract is broken after the project expires, Zhejiang N Technology will definitely only repay the borrowed money. As far as we know, Zhejiang is not short of money at all. There are many people buying political letters at the county and county levels, and the yield of 5.6 points in the market, so your small retail investors have no money.

5, the threshold is different.

The threshold for a better political trust project is 3 million, or at least1million. Generally, there are more political trust projects ranging from 200,000 to 300,000, but less than100,000.

Weifang Binhai Tourism Group has defaulted on its principal?

There is no authoritative news about Weifang Binhai Tourism Group's claim that it has not paid the principal. The full name of Dingrong is directional financing, that is, the financial behavior of issuing to specific investors and agreeing to repay the principal and interest within a certain period of time. The filing system is adopted for issuance, and the issuance needs to be registered with the gold exchange, and the relevant progress announcement is disclosed through the gold exchange or other means. The gold exchange and the trustee also supervise the issuer to repay the principal and interest on time.

Which intermediary company in Shijiazhuang is filing?

Shijiazhuang Su Rong real estate broker co., ltd

It was established at 20 1 4-12-31with a registered capital of110,000 RMB, and its legal representative is Chen Shaohui. Its business status is continuous, and its industrial and commercial registration number is 130 104000097487.

The registered address is Room 203, No.2 Dongliang Township Industrial Zone, No.389 Shitong Road, qiaoxi district, Shijiazhuang City, Hebei Province, and its business scope includes real estate brokerage services; Supply chain management;

Architectural engineering, indoor and outdoor decoration engineering, power engineering design and construction; Answer legal advice, draft, review and modify relevant legal documents on behalf of others,

Acting for non-litigation legal affairs (excluding intermediary services) and software development; Website construction (operating with license);

Real estate price evaluation; Real estate information consultation and enterprise marketing planning;

Enterprise management consulting; Housing lease; Venue lease; Property management.

What is the difference between fixed financing and private placement?

Private placement: similar to taxis, they are managed by taxi companies, but they implement the contract system, pay their share of the money, and run as they want in their respective jurisdictions. Private placement is supervised by the fund industry association. This is a self-regulatory organization, and its products should be put on record, with the focus on the development of private placement and equity of securities. Creditor's rights are not filed now. At present, there are more than 20 thousand managers, including good companies and illegal fund-raising, such as eLong Fortune and Dongfang Chengan.

Ding Rong: Just like Didi taxi, it is operated by Didi platform, but the drivers are all registered on the platform, so they are lucky. I met a good man with good service, but bad luck. When they meet a bad person, they will die! Dingrong's gold exchange only provides a platform, which is supervised by the local financial office. The job of the Gold Exchange is to provide a filing management platform, not an issuer or an administrator! There are good goods and fakes in it, which need to be identified with keen eyes, but how many are capable!