Enterprises Deposit Their Deposits Into "Risk Margin".

In the final analysis, it is because the regulatory measures of the Internet financial industry have not been released.

Recently, people often send leaflets to sell high-yield financial products. Compared with the financial products of banks, the profits of these companies are really attractive, all around 10%, or even higher.

"But I still dare not buy it. After all, it is a product of an unknown company." Miss Huang said. However, a few days ago, the sales of financial products also encountered on the road. Miss Huang had a heart attack because the financial product named "Jinxiu Qian Cheng" was co operated with banks, with an annual interest rate of 10%.

Miss Huang took out the leaflet to tell the reporter, because this time the sales girl said it was working with Ping An Bank, so you can rest assured. The reporter saw that on the leaflet, he wrote "cooperation with Ping An Bank to establish a risk reserve fund 10 million, to protect the expected payment".

Miss Huang wants to know if P2P company is really reliable with banks.

To this end, reporters yesterday signed the "splendid money" official website, also saw the prominent position of "10 million risk reserve fund" slogan, opened a look, see the page shows "risk reserve 10 million (2014-12-19)" and a picture, showing that the company in Ping An Bank's current account deposit available balance, 10571811 yuan.

From the official website's information, it did not show cooperation with Ping An Bank.

Subsequently, the reporter called the official website to provide customer service telephone. Regarding the reporter's advice on risk reserve fund, the wiring staff admitted that the risk reserve fund was set up by the company itself, and there was Ping An Bank, which did not cooperate with the bank.

A bank official who did not want to be named told reporters that recently, P2P companies like to hold banks' thighs. Some enterprises obviously save money to banks and then publicized them with banks.

Coincidentally, a reporter survey found that another P2P venture e with "risk reserve fund" as the selling point, in the prominent position of the official website, typed the word "e fast loan and a strong bank join forces 30 million risk reserve fund to settle down". Then the reporter verified to the bank that the answer was: 30 million only time deposits.

The foregoing related people pointed out that the so-called " Risk reserve fund "Or" risk reserve fund "is a sum of money raised by P2P enterprises on the basis of profits or fund-raising, which will be opened to investors when the project is overdue or risky.

"If it is the so-called" risk reserve fund "established by the enterprise itself, it is an ordinary deposit for the bank, and the bank will not supervise this fund. It also means that the enterprise can take away the money at any time as long as it provides the correct password and key. The source told reporters that under such circumstances, it can only rely on the conscious implementation of the enterprise, not from the constraints of the third parties.

If it is a risk reserve fund established by P2P enterprises and banks, then the two sides must sign a contract, agree on the ratio of deposit and the conditions for its opening, and each time the fund must be activated, it must conform to the requirements. Bank approval 。 Only in this case, Bank Only to play a regulatory role.

Many P2P insiders also expressed doubts about the bank's "supervision" and "bank's announcement on the use of risk reserves". "The so-called cooperation with banks for risk reserves is mainly based on gimmicks." Li Xi, chairman of 51 gold clothing, told reporters that these funds were only deposited in banks in the form of deposits. After the real risk of the platform, how the risk reserve should be paid for the investors, what the compensation rate is, whether it is full compensation or partial compensation is not conclusive.

Ma Zhihua, a senior researcher at Guangdong Southern Financial Innovation Research Institute, also said that there is no fixed mode of operation in the P2P platform risk reserve, nor has it really reached cooperation with banks. "Funds are placed in banks, banks are not likely to have any obligation and authority to supervise the money, nor can they disclose their use of funds by the banks. The so-called use of the platform is only announced by the platform itself. If the platform really risks, compensation is needed for some projects, which is also the platform's own action. Banks do not have any power to move the money.

That is to say, banks can not make any endorsement of credit on the P2P platform.