Is Beijing Dianrong Lending a Regular Company?

This lending platform has a good reputation. It was founded by Guo Yuhang, the founder of a relatively large P2P company in the world and a lawyer in China. It is one of the few Oriental asset management companies with a state-owned background.

1. loan (electronic IOU credit loan) is a simple and popular understanding of borrowing money with interest. Loan is a kind of credit activity that banks or other financial institutions lend monetary funds at a certain interest rate and must repay them. Loans in a broad sense refer to loans, interest subsidies, overdrafts and other borrowing funds. Through loans and monetary funds, banks can meet the social demand for supplementary funds, expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

2. The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

3. Loan security is the primary problem faced by commercial banks;

Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without losing ground, so as to meet the needs of customers to withdraw deposits at any time; Efficiency is the basis of sustainable operation of banks. For example, issuing long-term loans, the interest rate is higher than short-term loans, and the benefits are good. However, if the loan term is longer, the risk will increase, the safety will decrease and the liquidity will weaken. Therefore, the "three characteristics" should be harmonious, so that the loan will not go wrong.

4. The emergence of loan risk often begins at the stage of loan review. From the disputes in the comprehensive judicial practice, we can see that the risks in the loan review stage are mainly manifested in the following links.

(1) The omission of audit content has brought credit risk to our loan auditors. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit standing and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and the relevant loan auditors often only pay attention to the identification of documents and lack due diligence. In this way, loan fraud is difficult to identify and it is easy to cause credit risk.

(3) Many misjudgments are caused by banks not listening to experts' opinions or professional judgments on relevant contents. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan approval procedures are not very strict and in place.

5. Legal content of pre-loan investigation

(1) Review the legal status of the borrower's legal establishment and continuous and effective existence. If it is an enterprise, it should examine whether the borrower is established according to law, whether it has the qualifications and qualifications to engage in related business, check the business license and qualification certificate, and pay attention to whether the relevant license has passed the annual inspection or relevant verification.

(2) Regarding the credit of the borrower, check whether the registered capital of the borrower is suitable for the loan; Review whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection and tax payment will affect the repayment.

(3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;

(four) for the guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.