Second: formal financial companies have real loan projects, which can be viewed on the spot. The flow of funds is open and transparent, and the funds are earmarked for borrowers. And illegal fund-raising companies do not have real loan projects, only some non-financing in the name of national high-tech projects (often illegal financing in the name of funds and equity * * * enjoying the economy).
Third, the loans of formal financial companies are true, and the flow of loans is strictly monitored throughout the process. The illegal fund-raising company has no real borrower, so the loan is directly transferred to the account of the company's foreign branch to form self-financing, and finally the funds will flow to the head office for the company's self-management projects.
Fourth, formal financial companies have bank depository and third-party depository agreements. Illegal fund-raising companies do not have any bank deposit certificates.
Fifth, the expected annual yield of wealth management products of formal financial companies generally does not exceed 15%. The profits of illegal fund-raising companies are amazing, and the lender's funds are invested in the company's direct projects, and even used for the company's executives to squander.
Sixth: formal financial companies have sufficient physical mortgage, real estate license, housing management office filing contract and other supporting documents. The projects of illegal fund-raising companies are all fictitious and cannot be inquired. The funds are used for the company's self-operated project operation, and there is a risk that the lender's funds cannot be paid.
Extended data:
According to the business content of investment companies, they can be divided into the following investment types.
1, equity investment
(Equity investment) refers to the acquisition of shares of the invested entity through investment. Specifically, it means that an enterprise buys shares of other enterprises or directly invests in other units with monetary funds, intangible assets and other physical assets, with the ultimate goal of obtaining greater economic benefits.
2. Debt investment
Refers to investments made to obtain creditor's rights, such as buying corporate bonds and treasury bills, which are all creditor's rights investments. Investment Co., Ltd. makes this kind of investment not to obtain the surplus assets of other enterprises, but to obtain the interest higher than the bank deposit rate, and to ensure that the principal and interest are recovered on schedule.
3. Securities investment
(Securities investment) refers to the investment behavior of investors to obtain dividends, interest and capital gains by buying stocks, bonds, funds and other securities and financial derivatives.
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