The risk net loan investors are the main borrowers do not fulfill the repayment obligations, so investors in addition to platform security way to determine its guarantee ability, but also depends on the underlying borrower information, investment risk comprehensive assessment of
recently, the reporter learned that, at present there are 25 China platform access Internet Finance Association registration Disclosure Service platform. Among them, there are 16 platforms have varying degrees of overdue, accounting for 64%. At the same time, the "June national net loan in net loan home and profit can consulting jointly issued 100" platform, 61 companies have disclosed overdue, of which 36 data showed the presence of overdue items, accounting for 59%.
", with the gradual implementation of the net loan industry letter phi, the future will have more platforms to disclose overdue circumstances, exposing investment risks." Ying Chan consulting researcher Chen Yanling said, in order to maintain customer relations, and maintain stable development, many net loan platform launched a variety of security plans, security methods are more consistent, but the details are very different.
, for investors, how to identify the security level of related products through the net loan platform security plan announced?
Chen Yanling said that the risk reserve and guarantee is still the net loan platform to protect investors investment security is the main way, and most of the platform provides protection plan includes two or more ways of protection. In addition, although there are platform access insurance guarantee measures, but the number of small, only 9 of the top 100 platform guarantee insurance.
" it is worth noting that in March this year, Beijing issued the "institutional facts and" clear rectification requirements, platform shall not set up the risk margin, deposit reserve, etc. in order to provide guarantee or publicity. Since then, most area of Beijing platform has cancelled the risk reserve plan, the rest of the platform is the renamed or adjusted provision and funding sources, said part of the platform risk reserves still exist but no publicity plan.
is affected by the Beijing policy, and some other regions have also made adjustments to the risk reserve plan. For example, the group loan network in November last year, "risk reserve" changed its name to "quality assurance services special fund", the mouth Loan Network hired full-time lawyers, the risk reserve regulation. In addition, some platforms indicate that the risk reserve will be phased out. For example, the melted gold in February 28th this year and Changan launched a joint insurance performance guarantee insurance, while the platform security will gradually transition to the performance guarantee insurance form.
"in addition to the traditional security methods, building blocks box, Bartlett wealth and tune online platform also offers plans to fund legal aid, the fund from the platform of its own funds, when financing disputes or overdue, hire a professional lawyer platform to start the fund for investors to recover their losses." Relevant industry insiders said that this safeguard measures allow investors to fully participate in the overdue recovery process, to realize the risk at their own expense, but also a better risk education for investors. Currently, there are a number of platforms to write the legal protection plan security, the future can become a major help network security platform loans.
Chen Yanling reminded, at this stage, the net loan platform investors to invest in security and security programs, just to help investors disperse or transfer risks, and can not completely avoid risks. "The risk of net loan investors are the main borrowers do not fulfill the repayment obligations, so investors in the investment, in addition to platform security way to determine its guarantee ability, but also depends on the underlying borrower information, a comprehensive assessment of investment risk."