New Financial Strategy: Lend Money To Others &Nbsp; Receive 10% Annual Interest Rate.

stay Negative interest rate In the times, how to win CPI and let your wealth shrink is undoubtedly the vast majority. Investment The ardent expectation of the people. Yesterday, Yixin company, the first domestic bank engaged in P2P credit management mode, launched a new credit model in Nanjing. The individual can lend money to other strangers through the company, earning about 10% a year, and the company also guarantees its earnings. Perhaps, for investors who are suffering from anti inflation, it can be regarded as a better way of managing money.

　 Personal loans to individuals have swept the globe.

10% annual yield and guaranteed return. It sounds a bit unreliable, because the bank's fixed income now. Conduct financial transactions The annual yield of products is generally around 5%. If we want to get a higher return than that, we must bear greater risks. After all, the equivalence between risk and income is the first rule of investment.

However, in the eyes of Shang Xiao, head of the East China region of Yixin company, it is not impossible. As the first company to launch the P2P credit loan service platform in China, since 2006, Yixin has launched this service in more than 20 cities, such as Beijing, Shanghai, Guangzhou and Shenzhen.

"The so-called P2P credit management mode, that is, the individual's personal credit management mode, P refers to peer in English, is personal meaning." Shang Xiao told reporters that the P2P credit management model originated in Europe and the United States. In 2005, with the rise of LendingClub, Prosper, Zopa, Kiva and other representative enterprises abroad, the storm of P2P credit began to sweep across the globe. To put it simply, individuals who have spare cash in their hands can lend money to other people who need money through intermediaries, and get the corresponding interest on loans. Intermediaries only charge account management fees and service fees. This mode of operation is based on the contract law. In fact, it is a private lending way, so long as the loan interest rate does not exceed 4 times the interest rate of the same period of the bank, it is lawful.

　　 Repayment risk is mediated by intermediaries.

Shang Xiao told reporters that the "P2P credit management" revenue reached 10%, and the risk of low secret.

"P2P credit service platform is mainly aimed at those college students, working-class and small business owners who have good credit but lack funds, and help them achieve the ideal of training, home appliances purchase, decoration and part-time entrepreneurship. For these borrowers, we do not need them to give loan collateral, but to determine their loan size and loan interest rate by understanding their identity information and bank credit reports, and then we will provide this information to the lenders, who will directly reach the loan agreement. Generally speaking, the interest rate of loans with a duration of 1 years will be around 10%, which is higher than the bank benchmark interest rate through P2P mode operation.

If the borrower can not repay the principal and interest on time, will the borrower be confronted with financial risks? Shang Xiao said that the company had already considered the situation and set up 2% of the risk of repayment risk. If the borrower could not repay the loan on time, the company would repay the principal and interest of the lender by using the repayment risk deposit to guarantee the interests of the lender. Then, the company will recover the principal and interest of the loan and the late fee and penalty interest to the borrower. "From our operational experience in the field, we have not yet seen the situation that we can not get loans because we are more strict with borrowers."

　　 The loan amount ranges from several thousand to 300 thousand yuan.

"On average, the borrowers get a loan of forty thousand or fifty thousand yuan through the P2P credit platform. Most of them will not exceed 300 thousand yuan, because too many risks are difficult to control, and at least a few thousand yuan is also available. This part of the customer is not the general bank, so we will not have a bigger impact on banks, but fill the gap of bank credit. If Nanjing's college students, wage earners and small business owners have capital needs, they can contact them directly on the company's website, Shang Xiao said.

"Investors who have idle funds to lend can also put forward their own needs through the website. Generally, we can lend out idle funds in the longest period, and there is no upper limit for lending funds." Shang Xiao said that the company can make financial products according to the demand of customers. At present, the annual yield of credit products which are 3 months, six months, 9 months and 1 years are 7%, 8%, 9% and 10% respectively.

In addition to credit management, Yixin can also provide public welfare microfinance for the rural poor women through the P2P credit platform. The urban middle and high income earnest people who help the agriculture and poverty alleviation undertakings will be able to help a rural woman at the minimum loan of 100 yuan, but because of the public interest investment, the annual yield is only 2%.