I. Basic information
As a top university in China, Tsinghua University enjoys a high social prestige in China. Daokou Loan was initiated by a subsidiary of Tsinghua Holdings. Born in a famous family, there is not a photo about our management team and qualifications. At least a few lines should be introduced to the chairman.
Daokou Loan focuses on "Alumni Enterprise+Supply Chain Financing" financial products, and the investment projects are recommended by high-quality alumni enterprises. High-quality alumni enterprises rely on their core enterprises to help their upstream and downstream enterprises in the supply chain to raise funds. On the platform, individual investors can view the faculty of the alumnus when he was studying in Tsinghua, the enterprise information founded or managed by him and his position in the enterprise, as well as the real and detailed information such as project information, enterprise information and risk protection behind each project.
The target information is on the low side, and the score is 10 in 6 months, which is unbearable, but many people are still optimistic about its safety, half a year.
The turnover reached more than 300 million yuan. The third party is linked guardianship. I registered several linked hosting platforms, and most of them had a good experience (except small rapeseed).
After opening an escrow account, send a 6-digit password at random, and you will remember it, but it is troublesome to modify the password, so you have to send it to its designated number by SMS.
Comprehensive analysis, in addition to low returns, risk control is acceptable. 99% of the alumni resource supply chain, Tsinghua University Wudaokou Finance College, formerly known as graduate department of the People's Bank of China, is the first institution of higher learning in China's financial system that specializes in training senior financial management talents.
Second, risk control.
First, its risk control measures are unique to China: based on the reputation and credibility of the alumni network, we select high-quality enterprises from the alumni network of top universities in China to provide short-term financial services to upstream and downstream suppliers. Of course, it is mainly borrowed by well-known alumni, but there are often difficulties in capital turnover. How to deal with it is a problem. Second, the safety guarantee was not specifically elaborated on the homepage, and the platform did not set up a risk reserve fund. The platform does not promise safety guarantee, which is equivalent to the deformation guaranteed by the guarantee company. Its guarantee is alumni quality enterprise. Third, the platform is managed by third-party funds, with low moral hazard. It is a platform built by Tsinghua University Wudaokou Finance College, the former financial industry "Whampoa Military Academy". Fourth, the interest rate is not high. Only six months 10%, the full bid rate is slow. But it was launched in June last year, with a turnover of 300 million, which may have its advantages.
What is P2P under popular science, so that everyone can better understand: