On the platform of treasure, "

Bill loan "business. Is the security of Zhaocaibao bill loan guaranteed?

Who will guarantee the security of the loan of Zhaocaibao Bill?

The guarantee of bill loan is an acceptance bill provided by the borrower, which is a very safe way of guarantee, but who can guarantee that this acceptance bill is true? There is a sentence in the relevant clauses of Lucky Treasure: "There is no obligation or ability to review the guarantee contract or other agreements, and no realizable commitment, whether express, implied or legal, is made to the legality and validity of the guarantee contract or other agreements, and whether the lender can finally realize the creditor's rights under this agreement through the above repayment guarantee."

In other words, the authenticity of acceptance bills and lucky treasures is irresponsible. But this leads to a problem: as a lender, I am willing to invest because there is an acceptance bill as a guarantee, but I can't see or understand the acceptance bill, and I don't know whether it is true or not. Lucky Treasure is not responsible for this. Who will bear this problem?

Zhaocaibao's "double insurance" guarantees the authenticity of bill loans.

Zhaocaibao wants to be a third-party open platform, so it will not participate in specific business. Therefore, Zhaocaibao Platform is not responsible for the authenticity of acceptance bills, but strictly manages acceptance bills from the system. The main measure is to require borrowers to take "double insurance". The so-called double insurance includes two aspects:

1. The acceptance bill provided by the borrower must be verified by the bank, and relevant supporting documents of the bank must be provided at the same time;

2. The borrower must insure the acceptance bill. If there is something wrong with this acceptance bill, the insurance company will make compensation.

The lock-up period of "bill loan" is generally about half a year, which can reach the expected annualized expected return of about 6%. Moreover, there is a strong guarantee of acceptance bills, and the security of funds is good.