Recently, the People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from October 24, 215, in order to further reduce the social financing costs. This is the third time that the central bank has cut interest rates and lowered the RRR this year, which means that at a certain stage, traditional banks will increase lending to attract more high-quality assets, and the competition pattern of the entire online lending industry will change rapidly, from the early traffic competition in the industry to the competition of high-quality assets.
Although the competition on the asset side is intensifying, it is generally beneficial to the P2P industry and makes the P2P platform more secure. Why? In fact, a very important factor is that the overall increase of social loans and the reduction of financing costs will further reduce the default rate of social financing. Some enterprises whose funds are about to break can continue financing, and the financing cost of some borrowing enterprises is reduced, which will undoubtedly lead to a significant reduction in the default rate of a society. Coupled with the stimulus of loose monetary policy to the real economy, the lending projects invested in the future will be safer to some extent.
So, is everyone's loan WE reliable? With questions, the author communicated with relevant professionals.
People's Bank of China (WE) has always been awed by risks, developed its own risk platform system, and innovatively developed financial products such as automatic bidding tools, which provided better risk premium products for wealth managers and made steady progress in the market.
People's loan WE financial management is a trustworthy investment and financial management platform. His choice is enough for you to have your cake and eat it in the investment market. Related Q&A: Related Q&A: Can everyone's loan be trusted?
Basic information: It has a long existence
Renren Loan was established on April 28th, 21. It is a company with P2P financing as its main business. Its full name is Renren Loan Business Consultant (Beijing) Co., Ltd., with a registered capital of 1 million yuan and paid-in registered capital of 1 million yuan. It is an early P2P platform.
Ownership structure: reasonable structure
Legal representative: Yang Yifu, and the shareholding ratio of shareholders is: Yi Yuanqiao 42.5%, Zhang Yilong 15%, Yang Yifu 17% and Lela 25.5%. The ownership structure is relatively reasonable, which can effectively restrict the ownership and management.
Operating conditions: large scale and low bad debt rate
As of April 3, 218, the accumulated transaction amount of Renren Loan since its establishment was 57,57,363,3. yuan, and the current loan balance was 29,746,162,922.1 yuan, accounting for the top ten borrowers' outstanding amount. 437.74 yuan, overdue for more than 9 days (excluding): 63,559,134.48 yuan, overdue rate of project: .89%, overdue rate of amount: .21%.
On the whole, the operating scale of Renren loan is relatively large in the P2P industry, with a loan balance of about 3 billion, a market share of about 2%, and a good risk control ability, with the overdue rate of less than .5%, which can be regarded as an excellent level. The maximum loan amount of a single borrower is 6, yuan, which does not exceed the regulatory requirements if it is a legal person loan, and exceeds the regulatory requirements if it is an individual loan.
Financing situation: the follow-up financing is not in place
In December p>213, Renren Youxin, the parent company of Renren Loan, completed the Series A financing of US$ 13 million, setting a record for the largest single financing in the industry. This shows that venture capital was optimistic about everyone's loan, but there has been no new financing plan in the past four years, and there are few new financing on other platforms, which shows that venture capital funds hold a wait-and-see attitude towards the current P2P industry.
Bank depository: The depository bank is strong
In February p>215, Renren Credit and Minsheng Bank promoted the comprehensive upgrade of P2P fund depository. On February 29, 216, Renren Credit announced that the cooperative fund depository with China Minsheng Bank was officially launched. The strength of the depository bank chosen by Renren Loan is still relatively strong. On the other hand, it also shows that the management of Renren Loan business has been recognized by Minsheng Bank.
main products: the interest rate is moderate
There are three kinds of personal loan products, and the overall investment income is at a medium level. The specific products are as follows:
Optimal plan: annualized income of 9%, and lock-in period of 12 months.
U plan: annualized income is 5%-1.5%, and the lock-up period is 1-36 months.
salary plan: annualized rate of return is 8%, with a fixed monthly loan amount and a lock-up period of 12 months.
The above data are taken from the information disclosure data of Renren Loan's official website, and can only be analyzed on this basis, which cannot be verified by individuals, and the accuracy is the responsibility of Renren Loan.
Through the above data analysis, I feel that Renren Loan is an excellent platform in P2P industry. However, P2P is a medium-high risk financial management. The above analysis is for reference only and does not constitute investment advice.
pay attention to financial management, please pay attention to the loners!