Is wallet financing safe or not?

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 registered capital 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.