Fund pool and third-party custody are two completely different concepts. Fund pool financing refers to pooling the raised funds to form a "big fund pool". Manage and invest the funds in specialized institutions' pools in a collective asset package composed of diversified products such as bonds, repurchase, trust financing plans and deposits, and regard the overall income of this asset package as a unified income source of various wealth management products. In the current Internet financial management mode, CreditEase is a typical fund pool. Investors buying CreditEase's wealth management products are equivalent to pooling funds into the fund pool managed by CreditEase, and then making unified investments. This model has been criticized and attracted great attention from the regulatory authorities. One idea of CBRC's supervision of online lending platform is that the platform can't engage in fund pool, mainly because this model is opaque, investors don't know their own capital flow, and creditors and debtors are not in one-to-one correspondence.

The CBRC's regulatory thinking on P2P requires that the platform must set up third-party fund custody, which makes the voice of third-party fund custody very strong recently. The so-called third-party custody generally means that the funds you invested are recharged to your third-party sub-account when the platform is recharged, and no one can move this account; When bidding, investors should operate their own third-party accounts. Nowadays, many Internet platforms say that they are third-party hosting. In fact, many of them give you a third-party payment interface when recharging, and the money still goes to the account that the platform can control, which requires investors to keep their eyes open when choosing the platform.

Here, Xiao Rong teaches you a way to judge whether it is a third-party custody: find a platform, register it, and see if it is allowed to open a third-party custody account when recharging. If it is allowed to be opened, it is truly third-party hosting. But also depends on the popularity of the third-party custodian of platform cooperation. For example, Rongtuo Finance cooperated with Remittance World to implement third-party account custody, and the remittance world fund custody business ranked third in the country.