peanut rich
1.3.0
The Peanut Mifu app is a financial management software that should be used by young people. This software can also provide users with professional lending services. When borrowing on the Peanut Mifu app, the platform will provide professional risk control services, etc., which is very Professional, download it now and experience it!
Peanut Mifu is affiliated to Xiaoxiao Diduo (Beijing) Technology Co., Ltd. and is a professional and safe investment and financial management platform for young people. In May 2017, it signed a capital depository cooperation agreement with Jiangxi Bank, becoming one of the first Internet financial platforms in China to receive two-way recognition of bank capital assets. Adhere to releasing and creating credit value, arousing society's attention and recognition of the value of public credit, making credit truly a carrier of value, and promoting the development of inclusive finance.
Safe Small Amount Loan Loans--Real Small Amount Loans
Preferred target collection - the highest quality debt is combined, including different investment periods such as 28, 43, 63, 82, 168 days, etc.
Exclusive items for newbies - exclusive benefit items selected and customized for new users
Fund security
With years of practice in social finance, we have created six social finance risk control systems, building risk control models and risk control systems based on modules such as strong social relationships, weak social relationships, and social circle closure in the social networks of nearly one million users. Energy Investment makes rapid decision-making scores for borrowers, improves the quality of borrowers, and effectively reduces default risks.
1. Achieve diversification of financial information services
Provide various financial information services to achieve service diversification
Improve capital efficiency and creatively improve product liquidity
2. Establish a transparent risk management system
Product screening, risk disclosure, rating system
Provide transparency to make transactions fairer and safer
3. Support balanced development
Helps improve the efficiency of capital allocation across the country
Support rural economic development and promote social harmony
4. Provide market liquidity
High liquidity supported by secondary market
Low investment and financing costs brought about by Internet technology
High liquidity reduces systemic risk
Is peanut rich reliable?
The Peanut Mifu platform was officially launched on May 7, 2016. The platform has been operating for one year and is the first capital end of the consumer finance platform.
1. The interest rate is high. The average interest rate in the industry is less than 10%. Peanut Rich is 13% in one month, 16.5% in three months, and 17% in six months. It is quite attractive, and it is so tempting that many investors dare not invest.
2. There is little to be collected, only about 90 million (more profit data). There is not much pressure on the bottom line.
3. Risk mitigation fund, amounting to 10.73 million, is not large overall. However, since there is only 90 million to be collected, the overdue/bad debt rate that the risk mitigation fund can cover is about 10%. This coverage scale is much higher than that of general p2p platforms.
4. Cui Yilong, actual controller, early member of Baidu. Rich experience in Internet entrepreneurial management. He also has rich experience in early-stage venture capital. In theory, he is not a random person.
5. The core members of the team come from top institutions such as Baidu, Citibank, Experia, Huawei and Alipay.
Risk reminder
1. There has been a lot of negative news recently, but when we systematically mine and analyze these data, we will find that most of them are disputes over channel cooperation, that is, disputes over cooperation with promotion channels. In Duoduo’s view, Peanut Mifu’s overall financial management capabilities are Overall it's pretty bad.
2. Information disclosure is not transparent, regardless of the specific subject matter. It also includes various operating data, including overdue, bad debts, pending collection, etc.
3. The operating risks of Xianhuahua. Peanut Mifu’s current waiting list is only 90 million. The overall scale of Xianhuahua probably far exceeds this number, and the specific situation of Xianhuahua lacks data tracking.
4. The team’s ability to protect the bottom line is weak. It is almost a purely private platform. Xianhuahua received 20 million plum blossom investment. But the overall base is also on the small side. There is no support from a large capital group, but the business is relatively clean and the risks of self-financing are small.
4. Bank depository has not been completed yet. Of course, the threshold for bank depository is actually not high now. Midoduo is not saying that he is particularly concerned about it yet.
investment advice
From a comprehensive evaluation, Peanut Mifu is a platform that is eager to scale, but has not yet achieved scale.
This has formed a style of "high interest rates + crazy promotion of channels"
However, high interest rates scare away many timid investors. The promotion of channels has caused a lot of negative disputes, and I guess I have encountered a lot of wooly people.
In this embarrassing situation, they will continue to raise interest rates for a while, which will bring certain dividends.
1. The short- and medium-term risks are not large, and investors with greater courage can invest in a reasonable position. It is not recommended to hold a large position.
2. It should be noted that there is no transfer of claims in Peanuts and you should pay attention to liquidity when investing. However, the bidding time of Peanuts is not particularly long.
The above is an introduction to the relevant content about Peanut Mifu, is it reliable? Most of the targets released by the platform are small, and the risk reserve is also real. However, the platform operation information is relatively less disclosed, but there is relevant operation data in third parties. Disclosure, but the specific strength of the company is unknown, and venture investors can make their own judgments.
