Is wallet financing safe?

Question 1: What is the financial platform of wallet financing? In less than 20 days, I have earned 500 yuan, and my income is really high. When I first bought it, I mainly took a fancy to this product with guaranteed capital and interest, and the risk was naturally low.

Waiting to collect money every day is several times more than the income of Yu' ebao Shenma, and you don't have to be scared every day like the stock market.

Highly recommended! !

Question 2: Is the wallet wealth management product safe? Let's look at the data first. Official website information shows that as of March 24th, the scale of wallet financial transactions has exceeded 654.38+04 billion yuan, with more than 3.38 million registered users. Of course, at present, we can't find the data of the current transaction scale in Hebao Financial official website, only the data of registered users.

The following is a set of data of Hebao Finance from February 20 15 to February 20 16: 20 15 was launched for 9 months in February, with more than10.5 million users and a transaction volume close to 7 billion yuan. 20 16 1 month, online 10 month, the number of users exceeded 2 million, and the transaction volume exceeded 10 billion yuan. February 20 16, launched 1 1 month, with more than 2.95 million users and a transaction volume of over13.6 billion yuan.

A look at the data shows that in the last three months, the registered users of Hebao Finance surged from 6.5438+0.5 million to 3.38 million, and the transaction scale doubled, with a net increase of nearly 7 billion, comparable to the rocket's ascension to heaven. As a novice in the industry, the number of users and transaction volume have increased at an extraordinary speed in a short period of time, which is a bit abnormal. & gt& gt& gt is pocket finance true or false?

The platform of Shenzhen Qianhai is Hebao Finance, and the page design of official website is simple and clean. However, like most mobile financial platforms, official website and WeChat only provide basic information services, and their investment portals are all App-oriented. To be honest, the wallet financial management App is really good, the page is simple and the experience is smooth. In addition, the exquisite degree and design level of UI should also be the top in the industry. However, it is very hidden for users to check the investment agreement when investing. This investment agreement is placed on the upper right, which is easy to ignore before investing, but I can't find the entrance after investing (I haven't found it for a long time anyway).

The design of wallet wealth management products is very distinctive, basically short-term, and the longest investment period is 88 days. In addition to coin purses, there are three kinds of regular products: 28 days, 58 days and 88 days. The historical expected annualized income of coin purse is 8%, rising by 0.5% every week, and the highest historical expected annualized income rate is10.88%; In addition, there is a coin purse with a lock-up period of 28 days, and the historically expected annualized rate of return is 12.88%. Other regular products include corporate wallet loans, property wallet loans, policy wallet loans and small wallet loans. 58-day historical expected annualized income 13.88%, 88-day historical expected annualized income 15.68%. The boss of this company must want to get rich every day, so many "8")

Generally speaking, purse-string wealth management products have a shorter term and higher expected annualized income. Although there are voices on the Internet who suspect that the platform executives are frauds and Ponzi schemes, and even some people directly call the liar platform, wallet finance is still hard to find, and it is usually robbed within 30 seconds after the bid is issued. Based on this situation, I think it is better to be cautious. After all, anything can happen in this era, don't you think?

Question 3: Is wallet financing safe? It has stopped making profits. It's a fraud platform. It is said that there are frozen accounts in Hong Kong. Do you think it's possible? There will be no pie in the sky. Do you think it is possible to provide a high yield of over 40%?

Question 4: Is wallet financing safe? At present, it looks good, but because the current interest rate is too high, it is faster to cash out, and it is seriously suspected that there is a fund pool. If you meet a large number of cash-out investors, you are definitely not far from running. And the background of the purse is not so good!

Question 5: Is wallet financing safe? There is no absolutely safe financial management.

Especially online financial management is more risky.

If you want to be safe, you can buy bank financing and insurance financing, which is relatively safe.

Question 6: Is wallet financing true? Hebao Finance is operated by Shenzhen Hebao Financial Information Consulting Co., Ltd. According to industrial and commercial data, Hebao Finance was established on September 3, 200014 with a registered capital of RMB 6,543.8 billion. The legal representative is Li, and three natural person shareholders are Li, Wang Li and Chen Xunbao.

Tian Yan noted that Hebao Finance was once reported by the media as a member of China Internet Finance Industry Association. However, 2065438+July 2006, chinese social organizations. Com, which is in charge of the Civil Affairs Bureau, has exposed the ninth batch of "offshore associations" and "cottage associations", among which China Internet Finance Industry Association ranks.

Second, safety.

In terms of safety, the appraisers noted that:

1) Hebao Finance declared a registered capital of 1 100 million yuan.

2) Hebao Finance said that Minsheng Bank had set up a special account for risk reserve of10 million. It is worth noting that Hebao did not disclose the deposit certificate of Minsheng Bank's risk reserve, nor did it disclose the balance of risk reserve.

3) Hebao Finance advocates that Jiadexin Law Firm provide legal support. It is worth noting that the legal support provided by law firms is not a security guarantee, but can only provide guidance and support in risk control.

Evaluation Jun found through recharge that there was no bank deposit in the wallet. In addition, the platform has not announced third-party fund custody.

Two. Platform products and information disclosure

Platform products

The wealth management products of wallet finance include change wallet and corporate wallet loan. The term of coin purse includes 7 days and 28 days, and the annualized interest rate is 8. % and 12.88%. The term of enterprise wallet loan project includes 58 days, 88 days and 188 days, and the annualized interest rates are 13.88%, 14% and 14.68% respectively.

2) Information disclosure

The purse financing platforms are all corporate loans, so the appraiser randomly selects an object for analysis.

As shown in the following figure, for the loan project with the loan number of "Enterprise Pocket Loan 092002", the project amount is 2 million yuan, the loan term is 188 days, the annualized investment interest rate is 14.68%, and the repayment method is to repay the principal first and then interest.

In terms of security, the platform gives four guarantees and legal support. Because of the above analysis, I won't repeat it here.

According to the disclosure of the platform, the borrowing enterprise has taken the real estate with a value of 700 million yuan as collateral, and has been appraised by authoritative professional institutions, and has handled the mortgage right through Xiamen Bank. The platform published business license, enterprise ID card, tripartite entrustment contract and collateral value evaluation report, but relevant information and key information were blocked.

It is worth noting that the platform did not publish other warrants of the collateral, nor did it publish the appraisal unit of the collateral, but only disclosed the market value of the collateral. In addition, there are obvious bidding demolition on the platform. The value of collateral is 700 million yuan, and the total loan amount is not stated. The project amount is only 2 million yuan.

Fourth, summary.

In fact, the wallet financial experience is better, but there are also the following problems:

1. Although the platform claims to have tens of millions of risk reserves and set up a special account in Minsheng Bank, the platform has not announced the balance and deposit certificate.

2. The borrowing enterprises of the platform are mainly real estate development companies, and the borrowing amount of a single borrowing enterprise is large, so the platform is suspected of splitting the amount of borrowing projects. It is worth noting that according to the online loan supervision rules, the loan of a single enterprise cannot exceed 654.38+0 million, and it is still in the rectification period.

3. The platform is not connected with bank depository. It is worth noting that according to the online loan supervision rules, the platform needs to be deposited in online banking, and it is still in the rectification period.

Question 7: Is the investment risk of wallet financing high? Is it safe? Looking at high income? Bought bbt, the investment is small, the income is high, and the risk is low. No matter what you do now, there will be risks. Marriage is not guaranteed, not to mention anything else.

Question 8: Is pocket finance safe? Pocket finance users' funds are all transferred through third-party payment institutions, without touching the users' transaction funds. In addition, Pocket Finance opened a special account at the level of risk reserve10 million in Minsheng Bank. In the event of overdue or bad debts, pocket finance will advance through this risk reserve, and the user's investment will be guaranteed.

Question 9: Is wallet financing reliable? It feels a bit like the New Third Board, but it is not as formal as the New Third Board. The service target is clear, and the income from investing in the New Third Board is much higher than it.

Question 10: Is pocket finance reliable? Can I invest? 65438+February 4th has run away and the website has disappeared. What are you investing in?