Through Rongzhong.com's recommendation, investors can lend their surplus funds to high-quality small and micro enterprises or individuals guaranteed by professional financial services institutions and guarantee institutions, and get interest returns. 1, high income, stable income, low threshold, low risk, guaranteed capital and interest.
2. A subsidiary of the largest financial services group in Central China.
3. Risk management and control at the bank level
4. Full mortgage of high-quality assets, real-name guarantee by large guarantee institutions.
5. Minimum 1 yuan.
6. The expected annualized interest rate is 8- 14% 1. Only provide financial products recommended by financial institutions.
We only choose high-quality loan projects recommended and audited by powerful financial service institutions. Control the authenticity of the project from the source.
2. Risk control review at the bank level
Establish a perfect risk assessment model and audit mechanism, double-line audit of market and risk control, six-level audit process, 360-degree risk management chain and control chain.
3. The real estate secured by full principal and interest is fully mortgaged.
1) The strength guarantee institution introduced for evaluation provides 100% principal and interest guarantee. In loans overdue, the guarantee institution purchases the creditor's rights held by the lender in full, and all overdue and bad debts are paid in full by the guarantee institution in advance.
2) The borrower provides full mortgage of real estate as counter-guarantee, which relieves investors of any risk concerns and guarantees investors' principal and interest.
For the investment projects with the above guarantees, the investors will automatically obtain a stable and reliable principal and interest guarantee scheme without any additional expenses.
4. Guarantee of principal and interest of wealth shield
Rongzhong.com has established a risk reserve system. A certain proportion of service fee income is extracted to set up a special risk reserve, and this risk deposit is set up in a special custody account in the bank, which is jointly supervised by the bank and all investors to ensure the stable long-term income of every investor in Rongzhong Fortune.
Rongzhong.com collects 2% of the borrower's loan amount as a risk deposit, which will be refunded after the borrower settles the loan principal and interest.
When the guarantee institution fails to fulfill the compensation responsibility in time, Rongzhong.com will use the funds to repay the investor's principal and interest, and at the same time start the recovery mechanism.
5. Third-party supervision of capital account
Rongzhong Com opened an investment fund supervision account in a third-party payment institution for special purposes. The withdrawal and transfer of supervision accounts are strictly regulated. Website technical support
The access layer, application layer and data layer cluster of the three-layer firewall isolation system; Effective intrusion prevention and disaster recovery backup to ensure the security of transaction data. 1, on the legality of private lending
According to Article 196 of the Contract Law, "A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest", the contract law allows the loan relationship between ordinary civil subjects and allows the lender to recover the principal and interest at maturity according to law.
According to the Supreme People's Court's Opinions on People's Courts Handling Lending Cases, loans between natural persons, natural persons and legal persons, and natural persons and other organizations are accepted as lending cases, which ensures the organizational form and legitimacy of private lending. Article 6: "The interest rate of private loans may be appropriately higher than that of banks, which shall be determined by local people's courts according to the actual situation in their respective regions, but the maximum interest rate shall not exceed four times that of similar loans of banks (including interest rate clauses). Beyond this limit, the excess interest will not be protected. " As for the relationship between natural persons and the form or platform through which loans are made, the law does not stipulate. ...
2. On the legitimacy of media services in Rongzhong.com.
According to the provisions of Chapter 23 of the Contract Law on "Intermediary Contract", especially Article 424, "Intermediary contract is a contract in which the intermediary reports the opportunity to conclude a contract to the client or provides media services for concluding a contract, and the client pays remuneration". As an intermediary service organization established according to law, com platform provides intermediary services for private lending, which enables borrowers and borrowers to form a lending relationship and collect relevant remuneration, and has a clear legal basis.
3. The legitimacy of the electronic contract. Com platform
According to the provisions of the Contract Law and the Electronic Signature Law, the parties may conclude a contract in the form of a contract, a letter, a data message (including telegram, telex, fax, electronic data exchange and e-mail), and sign it in the form of an electronic signature, which is included in the electronic form, with contents identifying the signer and indicating the signer's approval. The parties cannot deny the legal effect of a contract just because it is in the form of electronic signature and data message. A reliable electronic signature has the same legal effect as a handwritten signature or seal. Clearly affirm that qualified electronic signatures have the same effect as handwritten signatures or seals.
Recently, Rongzhong.com, a P2P lending platform in Hubei Province, obtained relevant financial service qualification. The qualification is approved by the Financial Office of Wuhan Municipal Government, and its business scope covers financial information service, investment management, financial product sales agency, transaction, intermediary service, traditional financial asset transaction, financial innovative product transaction and other fields. Rongzhong Wangcheng is one of the few platforms in P2P lending in Hubei Province to obtain relevant financial service qualifications.
Rongzhong As a local innovative Internet financial service platform enterprise backed by Rongzhong Capital Investment Group, based in Wuhan and facing the whole country, com has invested more than 50 million yuan, which is the key support project of the National Development and Reform Commission's "National Service Industry Development Guidance Fund".
At present, Internet finance companies only have an Internet Information Service License (ICP), and there is no relevant business qualification license in the financial field. Rongzhong Com has added financial product sales agents, trading and intermediary services in this business scope, engaging in traditional financial asset trading and financial innovative product trading.
Rongzhong.com executives said that online lending is only the first step of Rongzhong.com's Internet finance strategy. In its future planning, there are not only P2P, but also a series of Internet financial products and services covering the whole supply chain, such as financial supermarkets, P2P peer-to-peer lending, bill lending, transfer of income rights of financial leasing projects, and equity crowdfunding.