做尽职调查的时候风控专员们除了实地去看融资人的门面

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做尽职调查的时候风控专员们除了实地去看融资人的门面

时间:2016-07-19 来源: 未知我要投搞

据网贷之家联合盈灿咨询联合发布的数据显示，2016年上半年累计成交量已达8422.85亿元，截至2016年6月底，P2P网贷行业累计成交量达到了22075.06亿元。同时，网贷行业贷款余额历史上首次突破6000亿元大关，相比2015年底增长超过了2000亿元，一扫开年以来，P2P网贷行业下沉之气，给从业者投资人更多信心。

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深圳市前海红筹互联网金融服务有限公司是一家以项目众持为主要融资模式的互联网金融服务公司，实缴注册资本一亿元。公司坚持以众持模式的“阳光化投资”为核心理念，凭借完善的内部管理，严格的风控机制，规范的业务流程，高效专业的员工团队，充分发挥“类银行”优势，帮助小微企业解决融资难、融资贵的问题，提供安全合规的互联网理财服务，点滴积累成就，创立两年以来前海红筹始终保持0坏账，历史项目实现全部兑付，让理财更简单、透明、好收益。

前海红筹的标的项目多来源于深圳地区，其中一部分是来自核心商圈，关注商圈中的上下游产业企业的融资需求，还有一部分是中小微企业的企业经营周转贷款。对于这些项目，前海红筹风控专家都会进行360度的尽职调查，筛选优质项目。

做尽职调查的时候风控专员们除了实地去看融资人的门面、员工，有时为了验证企业经营的真实性还要去税务局收集融资人的税务信息，通过跟企业负责人面对面交流评估企业经营情况，收集上来的所有项目信息最后汇总到前海红筹征信数据库，评估借款风险。

前海红筹前期的尽职调查就在控制风险，在审批过程中又以抵质押物的实际价值评估借款人的还款能力。哪怕在放款后也会在还款期限之前对借款项目的风险继续给予监控。除此之外，前海红筹有专业的法务团队，用法律手段加强逾期管控,积极维护出借人和公司的合法权益。

创立以来，前海红筹不断强化产品的核心优势，对接外部渠道资源，以个性化、安全化、全面化的金融产品，行之有效的风控体系,抓住核心需求的服务模式,正如前海红筹的slogan所说”每天钱进一点”，引领投资人、融资方享受金融大未来带来的真正利益。