Safety assurance

I2AR mode of financial management, the risk of the investment risk to solve the problem of P2P personal loans can not be avoided, is a mature supply chain in the traditional financial industry, the financial sector of the internet. Through strict financial transactions structure design, to provide investors with seven security, is a revolution in the Internet banking risk management innovation.
1, large enterprises to confirm payment
I2AR mode is different from other network lending platform & ldquo; borrower repayment people & rdquo; borrowing patterns, but the & ldquo; cock wire financing, rich handsome payment & rdquo; factoring mode. Investor invested in financial platform, large central enterprises, state-owned enterprises, listed companies, private enterprises ownership payable project due repayment ability is guaranteed.

2, the seller repurchase commitment
Once the buyer's credit risk, according to the seller with the factoring company or factoring Bank signed the "recourse Factoring Agreement", the seller companies need to bear the obligation to buy back, financial institutions and financial management will be on behalf of the investors to the seller of recourse financing. In the process of project access, financial management and cooperation factoring institutions will evaluate the seller's ability to buy back.

3, the supply chain enterprises to provide financial guarantees or credit risk credit insurance underwriting institutions:
Investment projects in the financial platform, provided by the supply chain financial enterprises to provide credit guarantee, or by the Credit Insurance Company underwriting credit risk, or by the financing guarantee agency to provide insurance.

After the occurrence of the risk compensation scheme: credit risk belongs to, by risk reserve, the borrower and the supply chain finance enterprises paid in advance, 180 days after the credit insurance company paid; belongs to the other risks, by the borrowers, the risk reserve and supply chain finance enterprise payment.

4, the risk management of financial institutions:
Bearing for factoring, factoring Bank of enterprise should be accounts receivable creditor's rights, after the loan before the loan management, complete field survey and credit approval, strict confirmation of creditor's rights in the formation of, the sale of both the ability to perform, timely reminders accounts receivable to pay the principal and interest of investors.

5, the real third party escrow funds

Financial basis with the supervision of the departments of communication, and domestic well-known third-party payment company YeePay development fund custody system of the highest standard of the industry. In this system. First, the platform is set up funds in the account, to meet the & ldquo; platform does not handle money & rdquo; & ldquo; not to use capital pool maturity mismatches & rdquo; policy of mandatory requirements. In addition, the first to establish a personal account of the direct payment of corporate accounts, there is no other third party payment companies will not be able to pay P2P investor funds to corporate accounts, but to enter the business related natural person accounts (usually the legal representative of the enterprise account), put an end to the moral hazard of personal misappropriation of corporate funds.

6, the excess debt guarantee

Under the factoring business of financing, the proportion of corporate accounts receivable financing is only 50%-80% of the total amount of debt, so investors have 1.25-2 times the amount of investment in the amount of corporate bonds as a guarantee of principal and income. The claims by the financial institutions for professional management, strict excluding the buyer not indeed should accounts, debts and aging or account of too long should be accounts receivable, to ensure investors held debt payment on time.

7, information publicity and project filing platform

Financial ” the first to respond to the national financial regulatory authorities on the net loan platform to implement product information disclosure and the idea of the system, so that investors and government regulatory authorities of the project information disclosure, the competent authorities of the project, subject to a high degree of supervision departments.

Platform information disclosure includes loan business conditions, industry characteristics, financial reports, profit ability, debt transaction documents, the buyer enterprise basic information such as data, every brushstroke transfer of enterprise should be accounts receivable creditor's rights, will be in the people's Bank of China enterprise creditor's rights pledge transfer registration system & ldquo; mounded Network & rdquo; on registration, greatly reducing the information asymmetry risk faced by investors.