Is the installment shopping +P2P platform reliable for college students?

What the landlord said should be interesting staging, and the corresponding P2P platform should be Golden Egg Finance. Financial management by stages.

I. Basic information

Golden egg financial propaganda: "Every penny you invest is an installment loan you lend to college students", which is the interesting installment creditor's right you bought. Interesting installment car owners are engaged in college students' installment payment business, and have been led by Ant Financial to invest 200 million US dollars in financing. Having said that, we can't help but mention the origin of golden egg financial management and interesting staging. The earliest golden egg financial management was a product launched by fun stages, and fun stages took out 65.438 billion US dollars to provide investors with full principal and interest protection. This practice is actually illegal, and the entire P2P industry is not allowed to guarantee, let alone protect itself.

Of course, at present Golden Egg is an independent company and a wholly-owned subsidiary of Nanjing Ruan Zhi Technology. The creditor's rights in interesting stages are mainly in the consumption stage of college students, which is more controllable.

Golden Egg Finance announced that its parent company SoftSmart Technology has completed a fixed subscription of 65.438+0.98 billion yuan, and announced a new asset-housing Internet, the largest Internet financial platform for real estate mortgage loans in China. At present, the assets of Golden Egg mainly include: fun installment, disco installment, CEO loan, housing mutual fund network and trust pledge loan.

Open the golden egg financial management APP and open the eye-catching pictures you see. A big 1, the next volume is based on the new third board. It is easy for people to have fantasies, and Golden Egg Finance is listed on the New Third Board.

Actually, it's not like this. The first share of internet finance is pleasant loan, which was listed on the New York Stock Exchange on February 18, Beijing time. Unfortunately, it broke down when it went public. In addition, there is no Internet finance company in China, let alone a P2P company listed.

So what about the golden egg based on the New Third Board? The actual situation is that Golden Egg Finance was acquired by 100%. The acquirer is Nanjing Softcom Technology Co., Ltd., which was established in 2007. It is a high-tech company dedicated to the informatization construction of small and medium-sized banks and other financial industries and landed on the New Third Board in February 20 15.

However, just six months after landing on the New Third Board, from 2065438 to September 2005, SoftSmart acquired Golden Egg Finance, and its main business changed from information construction in the financial industry to internet finance.

Is this marriage clear? Therefore, it is not the listing of Golden Egg Finance, but the backdoor. Of course, this curved way of saving the country cannot be compared with the normal listing process, and users must look carefully when investing.

Second, the project

Regarding demand products, the most criticized problem in the industry is the fund pool, which is strictly prohibited by the regulatory authorities. The cash withdrawal process of Golden Egg official website is shown in the above figure. We can see that Golden Egg adopts the "creditor's rights transfer" mode, and it is said that its average arrival time is 1 hour and 25 minutes.

The measured arrival time is 3 hours. This is much slower than the three minutes of Zhenrongbao. But it seems to confirm its creditor's rights transfer model. Zhenrongbao claims to buy back creditor's rights with free funds, which is faster than the transfer of creditor's rights.

But no matter which mode, the industry has always questioned the fund pool of demand products. This has also become the sword of Damocles hanging over the current wealth management products.

Third, risk control.

Golden egg can disclose the bad debt rate, which is rare in the industry. However, it claimed that the audit of PricewaterhouseCoopers did not disclose the audit report. Gregory D Gibb, the chairman of lufax, the industry leader, has disclosed that the overall bad debt rate of P2P industry is 15-20%, and the bad debt rate of unsecured P2P business in lufax is also 5-6%, which is much higher than the industry average published by Golden Egg.