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行业新闻
资金保护投资人资金的5项措施
1、保尔金网贷平台的商业模式是保尔金网贷平台+融资性担保公司+风险保证金+第三方资金托管(未来会变成更安全的银行存管哦)。 1, Paul gold net credit platform business model is Paul gold network platform + loan financing guarantee company + risk margin, a third party escrow (future will become more safe depository bank). 2、保尔金是国内首先采取每笔借款项目都由不同担保公司推荐,并进行本息连带责任担保模式的网贷平台,。 In the first place, it is recommended by different guarantors for each loan item in the country. 3、保尔金选择合作的融资性担保公司有独特的办法: Mr Paulson has a unique way of choosing a co-operative financing guarantee company: 保尔金平台利用山西省融资担保行业协会这一得天独厚的优势,选择信息真实,注册资本金在5000万以上的融资性担保公司,并设立有严格的准入条件: Paul Jin Pingtai use the unique advantage of financing guarantee industry association, Shanxi Province, choose information is true, in more than 50 million registered capital financing guarantee companies, and set up a strict access requirements: (1)资本真实、实力较强。(2)管理规范、风险控制严密。(3)业绩优良、代偿能力充足。(4)合规经营、战略稳健。以上条件可通过山西省融资担保行业协会保证资料、信息的真实准确。 (1) capital is real and strong. (2) strict management and risk control. (3) excellent performance and adequate compensation. (4) the compliance management and the strategic soundness. The above conditions can be guaranteed by the Shanxi Province financing guarantee industry association. 4、保尔金与融资性担保公司有严密的合作机制。 Mr Paulson and the financing guarantee company have a tight cooperation mechanism. (1)较高比例的风险保证金。担保公司推荐的每一笔借款,必须缴纳20%—25%比例的保证金。 (1) higher proportion of risk deposits. Every loan secured by the guarantee company must pay 20% to 25% of the deposit. (2)实施规模控制和风险分散。担保公司担保总额不能超过资本金的20%,单笔担保借款一般不能超过100万元 (2) scale control and risk diversification. The guarantee company guarantees the total amount cannot exceed 20% of the capital, the loan of a single loan is not more than one million yuan (3)节奏有序,科学开展业务。担保公司担保的两笔借款,还款时间间隔一般超过一个月,保证风险可控。 (3) the rhythm is orderly and the scientific business is carried out. The two loans guaranteed by the guarantee company will be paid more than one month at a time, ensuring that the risk is manageable. (4)动态管理,预防突发性风险。保尔金网贷平台根据担保公司担保借款情况进行动态管理,对不稳定行业和夕阳产业进行更加严格的风险控制措施。 (4) dynamic management to prevent emergent risk. Paul Kim net credit platform for dynamic management, according to the guarantee company guarantee loan situation on unstable industry and sunset industry more strict risk control measures. 5、保尔金与山西企业再担保有限公司合作,对融资性担保公司提供再担保,进一步增强风险防控能力。 In partnership with shanxi enterprise reinsurance co., LTD., the company will provide further assurance to the financing guarantee company and further enhance the ability of risk prevention and control.

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