Financial channel> Small financial evaluation> Financial Workshop Evaluation Report: Deposit Gold Exchange has been on the face pressure to rectify

Financial Workshop Evaluation Report: Deposit Gold Exchange has been on the face pressure to rectify

Edit: MINI Source: P2P rating Date: 2018-02-12

Summary:

How about the overall performance of the financial factory?

Note: This article starts on July 14, 2017

The financial factory was launched in 2012 and after several "hands-on" transactions, what about the overall performance of financial factories? The author conducted a comprehensive assessment of the financial workshop analysis.

  First, the basic information platform

National Enterprise Credit Information Disclosure System query results

The financial workshop was operated by Beijing Douge Investment Management Co., Ltd. The platform was officially launched on July 1, 2012. The inquiry of the national enterprise credit information publicity system showed that the registered capital of the financial factory was 10 million.

August 11, 2014 Hong Kong-listed China Credit (08207.HK) Announcement Announces Acquisition of Financial Factory, March 30, 2017 China Credit Finance to Sell 100% Equity in Financial Factory, Takeover of Decade Elite Global Limited for HK $ 580 Million , Equivalent to about 515 million yuan. The sale of shares in three phases, to be completed by the end of September this year. According to the 2016 annual performance report disclosed by China Credit, the trading volume of financial factories was 7 billion yuan, an increase of 89% over the same period of last year. As of December 31, 2016, the number of registered users of the Financial Factory was 940,000, of which 208,000 were new subscribers in 2016.

Official website data show that as of July 4, 2017, the trading volume of the platform was 18,645 million and the loan balance was 1,445 million.

Public information shows that China Credit is the Pioneer Financial Group's Internet finance business segment, the main platform has a net letter of credit, the first mortgage, palm finance, vanguard payments. Insiders said that the sale of financial lending in China because of its positioning and credit information convergence, the group should concentrate on the development of Internet information management.

At present, shareholders of the financial factory have become Shenzhen Elephant Internet Development Co., Ltd. (79%), Wei Wei (7.00%), Kang Zhongqin (7.00%) and Cui Haichen (7.00%).

 Second, the operating modes and products

Financial Workshop split its business, split into two platforms, namely the net loan business workshop micro gold and gold exchange business workshop enjoy:

1, the factory micro gold

The workshop is managed and managed by Beijing Phoenix Credit Management Co., Ltd. and is positioned as a platform for online loans. Its products include: Libya (direct financing project for individuals or enterprises); home loan (real estate mortgage program); consumer loan project).

Lee to enjoy the borrower for business or personal use of funds for the business capital turnover and personal consumption. Loan period is 30 days to 1 year, the expected annual interest rate of 5% -10%.

Friends of the home loan project and Shenzhen One Room One Credit Information Technology Services Limited, to provide personal real estate mortgage financing services, home loan projects mortgage property mortgaged to the security company. The amount of each subject of a larger loan, I found that the platform from February 17 this year, there is no longer released.

Consumer credit items for the net singular singular, First Hill assets and other third-party asset providers recommend its own cash and credit brand rest assured that flowers. Is the main asset type of the platform. The term of borrowing is 3 months to 36 months. The expected annualized interest rate is 5% -14.5%. From the above sources of assets, although the platform is sold by China Credit, the asset provider is mainly a subsidiary of China Credit.

2, enjoy the workshop

The factory is honored by Beijing United Ivy Asset Management Co., Ltd. Its main products are the exclusive plan. The docks are Tianjin Financial Assets Exchange and Dalian Financial Assets Exchange.

Notice of the Leading Group for Internet Financial Risk Remediation Leading Group Office on Disposal and Reorganization of Illegal and Illegal Business in Cooperation with Internet Platforms and Various Trading Places, Breaking Down the Red Line of 200 Persons in Disguise, Demands for remediation of all localities and branches of the central bank shall stop increasing the number of illegal and illegal businesses suspected of breaking through the policy red line in cooperation with various trading venues before July 15, 2017.

Project Details (Example: W0000596):

 

The project financing party is Shenyang Hengtai Sheng Food Co., Ltd., with a loan amount of 1 million and a term of 7 months. The expected annualized rate of return is 9%. The purpose of the fund is business operation and the repayment source is the operating income of the enterprise. Loan company information is only a simple text description, security disclosure for the joint venture guarantee Group Co., Ltd. guarantee, but the specific guarantee letter was not disclosed. In general, platform project information disclosure is poor.

In addition, the subject of the loan amount of 1 million, since the amount of 1000 yuan, can not guarantee the conditions of 200 people, and the platform is not full of standard investors can not view, it can not determine the total amount of the borrower's loan. From the "Dalian mu side of agricultural machinery and equipment Co., Ltd." The borrower point of view, the platform in July issued a number of the borrower of the subject, so the demolition of the platform there is the case.

  Third, security

Therefore, the loan borrowed from the financial factory is guaranteed by the guarantee company. The most important one is the joint venture guarantee group Co., Ltd. Before the change of financial institution shareholders, China Credit was 100% -owned, while Zhang Zhenxin, chairman of United Venture Assurance Group Co., Ltd., is also the controlling shareholder of the original parent company of the platform (China Credit). Therefore, there is a related guarantee for the platform before the shareholders change. However, in the workshop Dickin's home page also propaganda is the credit of China, do not know if it is forgotten to change over.

 Fourth, bank depository

Recently, Beijing released the network credit record for comments Although there is no requirement for the network credit platform depository banking deposit is geographically, but the network platform for loans need to "choose to be recognized by the city's banking sector banking financial institutions signed a deposit agreement," seemingly lowered The requirements of the network loan platform for the treasury of bank deposits, in fact, brought more uncertainty to the bank depositors, what kind of bank can get the approval of the Beijing municipal regulatory agencies need to wait for the next step.

October 20, 2016, financial workshop on-line Huishang Bank funds deposited. Investors investing workshop micro-gold and the factory to enjoy the products need to open a custody account at Huishang Bank.

After successful account opening, the user will get the account of Huishang Bank Co., Ltd. Hefei Huayuan Street Branch. Users can personal online banking, quick payment, Alipay transfer, bank transfer, etc. to their own account recharge, recharge convenient.

 Fifth, summary

In general, although the financial workshop was sold by China Credit, it still has some cooperation with China Credit or some background strength at the business level. Large-scale platform for corporate borrowing gold exchange model, the future will face some pressure for rectification. Network credit compliance, the platform on the line Huishang Bank deposit, factory micro-gold is mainly the main consumer assets, in line with the small decentralization.

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