In addition, the emergence of financial planning can also balance the basic contradiction in P2P platform (that is, the longer the borrower wants to borrow, the shorter the investor wants to invest). Financial planning is the "best practice" to realize investment (capital withdrawal) through automatic bidding, automatic creditor's rights transfer and revolving lending. Do not split the project term, only rely on the transfer of creditor's rights between investors.
There are several modes at present. This paper analyzes two common modes.
Full cycle:
1. Full cycle
2. Difficulties
(1) platform liquidity
(2) Strategic design and liquidation logic
(3) Payment channel support
obey
(1) Item 2 of Article 10 of the Interim Provisions No.824 is suspected of directly or indirectly accepting or collecting funds from lenders, which is easy to form a fund pool.
Platform intermediate account mode
Independent account mode of investor account
(2) Item 6 of Article 10 of Interim Provisions No.824 is suspected of splitting the financing project term.
(3) Items 7 and 8 of Article 10 of the "824 Interim Provisions" are suspected of raising funds by selling financial products such as wealth management, carrying out asset-like securitization business or transferring creditor's rights in the form of packaged assets, securitized assets, trust assets and fund shares.
(4) Article 824 of Chapter IV of the Interim Provisions: Without the authorization of the lender, the peer-to-peer lending information intermediary institution shall not make decisions on behalf of the lender in any form.
(5) Other risks
Other risks are mainly concentrated in ex ante credit risk and policy risk.
The information disclosure of 4.4.2 loan items and borrowers in the financial plan is very easy to fail to meet the standards of China Internet Finance Association T/NIFA 1-20 16 Personal Peer-to-Peer Lending for Internet Financial Information Disclosure. Although this standard is only an association standard, you know.
The policy risk of prohibiting debt transfer between individuals still exists. But for policy risks, as long as what you do does not obviously violate existing laws and regulations, you will generally give time to deal with stock business.
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Because it involves the continuous investment of small funds, the interest calculation is as accurate as possible, and the data exceeding the integral can be used for calculation. For example, we are accurate to eight decimal places. Interest can be paid after two decimal places.
Matching principle:
Matching size:
These ideas are based on the asset structure of our company, which may not be suitable for all assets and are for reference only.
The topic comes from Pixabay, based on CC0 protocol.
Related question and answer: How about Yi Dingying? Pleasant loan is a brand owned by CreditEase. It has venture capital and its overall strength is OK. Yidingying is an automatic bidding business, because 0/2% of the income of ordinary loans/KLOC-is fixed principal and interest, and each annual income is actually around 7%. The utilization rate of funds can be improved by rolling investment. But if you want to withdraw all the money, more than one year is enough to reduce the total rate of return, and of course you can transfer the creditor's rights. Because it is the guarantee of principal and interest, it should not be a big problem to rely on the brand of CreditEase in the short term. 10% fixed income is not bad. The only risk that can be considered is that CreditEase will also go bankrupt. It is not a financial institution, but an ordinary private investment company.