Domestic lending platforms

Tend to agree with domestic lending platform should provide some form of guarantee mechanism of funds, so that the platform can play a more appropriate role in trading. Of course, some would argue that took on too much when the platform after the compensatory 6" sch80 galvanized carbon steel pipe obligation may cause risk concentration platform, resulting in extreme cases there is no guarantee that the company's normal operation and bring greater losses to the lenders. So, I think the funds safeguard mechanism design should consider various factors at the same time. On the one hand, clinch a deal to limit platform excessive incentives, on the other hand, does want to consider the problem of risk entirely concentrated platform.
In general, a non-rigid redemption risk sharing mechanism can ensure the fairness of the platform audit, risk and can Long Radius 90 Deg carbon seamless elbow be traded in the wild guarantee platform have the ability to maintain operations, in order to hold the lenders can smoothly through the platform in maximum extent repaid. Of course, to solve the poor risk control capacity loss caused the problem, is not only a kind of method. In fact, Prosper (lending to another major network platform, USA) was set up independent of the company's operating a fund, is used to maintain after his firm had gone bankrupt platform operation until the last repayment. Anyway, the funds safeguard mechanism of risk aggregation platform problem can be resolved, this should not become an obstacle to the platform to provide funds safeguard mechanism.

Back to the question at the beginning of the article, domestic more and more network lenders to provide some form of guarantee mechanism of funds, is made up of domestic credit environment, the carbon steel seamless A106 steel pipe characteristics of the investment environment, and the associated problems. So, this phenomenon has complex and reasonable internal logic. , on the other hand, even in the United States, the first to design a bad trading mechanism Lending Club in the path of development has transcended the starter Prosper, so the market factors also are, indeed, this phenomenon plays a very important role.

Anyway, respect for tradition should never become a reason to stop innovation, reasonable improvement and innovation is indispensable in the process of development, not to mention foreign agencies also constantly explore forward. For example, Lending Club and Prosper has been developed based on creditor's rights and package products. Also there are signs that America's borrowing on network platform is towards provided insurance in the loan deal.

There is no doubt that the innovation is from the demand of the market, do not know in this round of innovation, China's platform whether can walk in front of the founder.