Heng Heng: Safety Is Greater Than Income.

As the first stop of this year's AI Ruifeng conference, on April 2015 15-16, the 2015 annual summit meeting of IARI, hosted by the AI group, was held in Beijing National Convention Center.

The theme of the Beijing summit of the iwry is "taking the opportunity and dancing in the draught" as the theme, attracting hundreds of front companies leaders and tens of thousands of participants from the Internet, new economy and technology related industries at home and abroad.

Host: we welcome.

The chief executive of finance has participated in today's interview with AI.

Ren Heng: Thank you!

Moderator: since P2P is the product of P2P, we can not avoid the problem of P2P regulation. How do you feel about the good and bad rumors about P2P regulation?

Ren Heng: Yes, this is a topic that most people are more concerned about. For a long time, bank loans and loans are bad, which has led to the continued financial demand of our people for a long time. The traditional financial operation costs are high and the income is low. Some people invest in some relatively high P2P personal lending platforms. This is either blindly pursuing the expansion of trading volume, ignoring the risks, or now the government's supervision has not been fully promulgated. So there are still some mixed phenomena. Some of P2P's motives are not so good at the beginning of its establishment, so there are a number of P2P running, bankruptcy and bad debts.

A very safe and reliable financial platform, how do we do it? In fact, we are not lending ourselves to individuals, but from the way of pfer of creditor's rights, from banks, Guarantee Corporation and small loan companies, our assets have already had very reliable guarantee and disclosure before selling on the poly financial platform, and have been tested by the traditional financial institutions. Before sale, the financial platform of many financial services accumulated by the financial institutions, and our risk control mechanism, and once again do wind control, and then make a guarantee and disclosure, which means that every sales product on the poly AI platform has two wind control and guarantee and disclosure, so that it is safe and reliable. Our gathering platform is not a traditional P2P platform. It is a kind of revenue rate between bank financing and traditional P2P financing.

We must ensure that every financial asset is very safe and reliable, so that we can help the ordinary people to keep their pocketbooks and make their money bags.

Moderator: as a user first concerned about security issues, and then the issue of income, in the face of different users, there must be different needs, this piece of love money is how to do it?

In a list, each item is a different financial product. There is no lack of financial products in the market. We have 3600 stocks in Shanghai and Shenzhen A shares and more than 2000 open funds. Besides, we have private trust funds and various kinds of insurance and financial products. The biggest difference between poly wealth and other financial products is that they make use of the most advanced big data analysis technology and cloud computing capability, which can distinguish each citizen's risk bearing ability in real time. He expects his earnings and his demand for liquidity, and recommends the best financial portfolio according to his own circumstances according to different factors. Ren Heng: Yes, this is a very good question. Now most of our financial management is still a supermarket concept.

Between income and risk, find a balance that suits him best.

Moderator: as it is now the first quarter of 2015 has passed, after a quarter of the development trend, do you think the 2015 P2P will have any new changes than last year?

　　任衡：我們說前兩年的P2P個人借貸平臺是在野蠻生長，第一我們的市場互換資金的流動性，第二也確實像克強總理在我們政府工作報告里說的，中小企業確實還是融資難，P2P平臺在某種程度上緩解這部分的問題，尤其是在流通民間資本，盤活民間資本這塊發揮比較大的作用，但是我們也看到P2P平臺也是良莠不齊，今年我們說，政府會在監管上，尤其準入門檻上設定一些條件，從源頭上把握住不良的P2P的存在，同時來說，在每家理財公司日常運作中，可能政府也會參與一些，監管住一些風險，尤其是區域性的，或者是系統性的風險，保證不存在有一些不安全的理財，或者不可靠的理財，也能在市場上生存，加速優勝劣汰的過程，聚愛財平臺在這方面非常歡迎政府的監管，非常歡迎這個市場上，能有一些有序的秩序存在，也有一些執法者能存在，保證一些優秀的像

A platform like love and wealth can survive better, develop faster and benefit the common people.

Host: is there any new product or service to be launched in 2015?

　　任衡：聚愛財現在有兩條產品線，一類是固定收益產品線就是聚愛財，大家可以在各個應用商店APP商店里下載到，今年我們剛剛推出一條新的產品線叫聚愛財plus，跟iPhone6 plus是一樣的聚愛財plus基于浮動收益率的理財產品，現在股市也非常火，我們希望聚愛財希望把老百姓把好浮動收益這一關，還有滬深A股3600只股票，開放基金也有兩千多只，還有不同的信托，銀行理財，老百姓無從選擇了，聚愛財plus幫助老百姓把控風險承受能力，幫他做優的組合，不一定收益率非常高，但是我們保證老百姓的錢袋子穩住，幫助他推薦股票基金，應該買什么股票買什么基金，自動化算好，推薦出來，這樣一鍵購買一鍵下單非常方便，不需要專業的理財知識，也可以做到在這個市場上騰云駕霧，能夠拿到非常好的收益。

At the same time, it also ensures safety.

Moderator: you must be very much looking forward to this product launch.

Ren Heng: Thank you. You can search in every major application store, Apple store, Android store.

Plus "for this product.