91 Wangcai small financial management? How long has 91 Wangcai been founded? Is there a background

91 Wangcai has an annualized expected rate of return of about 8% to 12%, and the safety should be not bad. Investment is risky, and you must be cautious when entering the market!

It's already been done once, so let's copy it here.

Investment and financial management always need to pay attention to the allocation of assets, and not all the money can be gambled on a flat rise and prosperity. The P2P industry is currently very chaotic, and now investors are diversified, generally investing in at least 10 platforms, and then using the online loan investment management software "Loan Friends Quarrel Bang Bang APP" to manage these platforms in a unified manner, which is much more convenient.

First, the basic situation.

First of all, let's talk about the background of 91 Wangcai, the management team is still relatively dazzling, the team members have rich experience in the financial industry, especially the CEO has various honors, and is a limelight figure in the financial industry.

This platform was launched in March 14, opened for more than 1 year, and the reason why I paid attention to this platform at that time was because I saw a post on a third-party forum that summarized and sorted out all the dozens of platforms with venture capital at that time, including 91 Wangcai, led by Haitong Kaiyuan, a direct investment subsidiary of Haitong ** in July 14, and Broadband Capital and Jingwei Venture Capital followed the investment of 200 million yuan. At the same time, it ranks about 33rd in the home of online loans, Rong 360 United People's Congress has a grade of B, and ** University of Finance and Economics ranks 26th, and its popularity is not bad. The income is 9%-11%, and it is worth 100 million.

The platform is managed by a third-party fund of Guofubao, and the platform's security model is mainly real estate mortgage and risk reserve, and the risk reserve is managed by Shengfutong, but the specific amount is not disclosed. The borrowing business on the platform is mainly real estate mortgage and ** matching target: the real estate mortgage is marked with mortgage loan procedures, but there are no other warrants; **The allocation standard is used as collateral, the mortgage ratio is 75%, and the liquidation line is 105% of the loan principal.

In the company's team introduction, the CEO Xu Zewei has a high degree and experience in the financial field (Beihang University, Agricultural Bank of China), and the risk control director is from a guarantee company. Now the popularity is average, the full bid time is longer, and the cash flow data is good. In general, the return is low, the security is medium, and the medium-term operation can be carried out lightly.

2. Project. Boasted and praised, talk about some shortcomings. 91 Wangcai's real estate mortgage target, the information disclosure is seriously insufficient, as long as two real estate certificates with key information hidden**, the rest is a pure text description, in terms of transparency, LZ feels that this is the bottom; The second is the ** mortgage target, although "the mortgage rate of the loan is only about 70% (100 yuan ** market value can be borrowed about 70 yuan)", 91 pairs of ** full supervision, below the forced liquidation, but it is necessary to consider that the current bull market has been at a stage high, if there is a large area of ** risk is still quite large.

3. Risk control. 91 Wangcai has third-party supervision of funds, using the risk guarantee system, each loan transaction, will withdraw a certain percentage of the amount into the "risk reserve account", the account is managed by the third-party bank Zhizhixing, when the borrower is overdue, 91 will advance in advance on the same night, which is basically the same as other mainstream platforms.

Dedicate the treasured P2P mode again**:

On March 19, 2014, 91 Finance launched its Internet direct wealth management platform "91 Wangtai Hail Cai" to provide safe, fair, transparent and efficient Internet direct wealth management services for borrowers and borrowers among Chinese financial consumers. It marks that 91 Finance will officially enter the field of online credit business with a new definition of "key Internet direct financial management", and form a complete closed loop with the current 91 Finance's perfect financial product information shopping guide, financial supermarket, small and medium-sized enterprise wealth management and other business sequences, fully covering the mainstream Internet financial service field. The launch of 91 Wangcai's business greatly expands the user service field and scope of 91 Finance, and together with the enterprise-level and individual-level businesses, it forms a vertically integrated fusion effect to better serve individual financial consumers, as well as small, medium and micro enterprises.