Is Pterosaur loan be protected by law?

Beijing Tongcheng Pterosaur Network Technology Co., Ltd. (hereinafter referred to as Pterosaur Loan) is Lenovo Holding Strategic Investment Enterprise. Pterosaur Loan Network was established in 2007 and is headquartered in Beijing. After 7 years of research and experience in pterosaur loan, and the comprehensive analysis of the market, successful transformation is the first Internet financial company in China that advocates the concept of “O2O” in the same city, which solves the problem of bad debt more.
Panglong Loan has established operation centers in more than 100 prefecture -level cities across the country, covering thousands of districts, counties, and nearly 10,000 townships. network. Through this platform, people with good credit and different needs can solve the problem of shortage of funds. At the same time, they can invest in highly returned investment for customers with financial needs.
basic information
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The Chinese name
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The location of the headquarters
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Beijing (Beijing headquarters)
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The business scope
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civil loan matching business, economic information consultation
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founders
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Wang Sicong
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Honor
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The top ten leading brands in China Internet Finance
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_ n company slogans r r r r r r r r r r r r r r
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Litia Finance helps the Chinese Dream
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Catalogs 1 pterosaur loan introduction
2 high -level profile N5 Development History
6 Pterosaur Loan Risk Control Mode 7 History History
Folding Editing This paragraph Pterosaur Loan Introduction
Beijing Tongcheng Pterosaur Network Technology Co., Ltd. Strategic investment enterprises are the first domestic online lending platform that advocates the “O2O of the same city” model. Pterosaur Loan is committed to becoming an excellent Internet financial company, adding help to three, rural areas, and inclusive finance. [1]
The pterosaur loan was established in 2007. It is the first batch of explorers in the domestic P2P industry and is headquartered in Beijing. At present, it has established operation centers in more than 100 prefecture -level cities across the country, covering thousands of districts, counties and nearly 10,000 townships, and plans to preliminarily covered the country in 2015.翼龙贷旨在为广大三农、小微企业主提供P2P借贷服务，平台本身不是借贷主体，而是信息服务者、撮合者以及风险控制者，为大众提供低门槛、能触及、低成本、 High -efficiency, safe and reliable investment in new channels to meet the capital needs of borrowing users. [2]
The pterosaur loan is a member of the China Internet Finance Association. Pterosaur Loan is a member of the Internet Finance Professional Committee of the China Payment and Clearance Association, and the units of the Internet Finance Thousands. Since the establishment of pterosaur loan seven years, it has successfully helped hundreds of thousands of three farmers, individual industrial and commercial households, small and micro -enterprise owners, etc. through the “O2O” model of the same city. At the same time dream.
Compared with other financial institutions, pterosaur loans have their own characteristics and advantages, such as low information collection and processing costs, convenient procedures, flexible methods, low transaction costs, flexible loan collection methods and special risk control control Mechanism, etc. To a certain extent, some social financing needs have been solved, especially the financial difficulties of some small and medium -sized enterprises and the “agriculture, rural areas”, and enhance the self -adjustment and adaptability of economic operation. It is conducive to promoting the healthy development of the credit market. A supplementary channel for financing demand for the main body of the market. [2]
Folding editing this paragraph of pterosaur loan high -level profile
Wang Sicong
founder and chairman of Wenzhou Golden Gold benchmarking corporate pterosaur loan
In 2002, he was engaged in private loan matching services. In 2007, he founded the “China Online Loan Network”. In 2009, the website model was adjusted to transform into a complete online matching loan transaction, that is, the P2P network loan model, and officially renamed “Pterosaur Loan”. In 2011, Pterosaur Loan became a pilot enterprise in Wenzhou Gold Reform and entered the Wenzhou Civil Loan Registration Service Center in 2012. In 2013, Wang Sicong jointly established the Internet Finance Thousand Talents Conference with experts and entrepreneurs in the Internet finance industry. In 2014, Wang Sicong was elected as an emerging of Internet finance, and Pterosaur Loan was rated by Internet financial emerging enterprises. In November of the same year, pterosaur loans received Lenovo Holding Strategic Investment, and received many helps such as capital, brand, management and key talents, and entered the development expressway. In December, Pterosaur Loan became the executive vice president unit of the Beijing Loan Industry Association, and Wang Sicong served as the executive vice president. [3]
Wang Sicong led pterosaur loan to successfully innovate the foreign P2P online loan model. In the country’s first “O2O of the same city O2O” borrowing model, “online information matching” and “offline risk prevention and control “Perfect combination, effectively improved the quality of risk control,
not only provides Internet netizens with efficient, transparent, and secure borrowing and wealth management platforms, but also allows the vast number of people from the Internet, especially” three rural “families, can enjoy the Internet. The inclusive finance brought Internet financial services to the county and villages across the country, covering the weak link of the traditional financial service system.
Wang Sicong has more than ten years of exploration experience in the fields of Internet, private loans and e -commerce, and has the most deep understanding of the county’s economic economic understanding in the domestic mainstream P2P management team. After 7 years of hard work, Wang Sicong successfully made pterosaur loans into a mature, united and dreamy learning team. Pterosaur loan has now established operation centers in nearly 200 cities across the country, covering more than 1,000 districts and counties, and has provided standardized and timely lending services for hundreds of thousands of farmers nationwide. [3]
Mao forward
President of pterosaur loan
Mao forward, graduated from the Department of Mechanical Department of Tianjin University, Master’s degree, EMBA, China Institute of International Business Administration. Senior director, served as the president of pterosaur loan after Lenovo Holding Strategic Investment Pterosaur Loan.
Mo Mao Qian has served as the general manager of Lenovo Wuhan Branch, Deputy General Manager of the Information Products Division, President of Shenzhou Digital Technology Development Company, and CEO of Jiajie Technology (China) Co., Ltd. Key positions such as the senior director of the ministry have many years of successful experience in the IT industry, helping Digital and Jiajie Technology through the difficult entrepreneurial period and entering the fast track in Digital and Jiajie Technology. Mr. Mao Qian has an in -depth study of the pterosaur loan model and has rich experience in franchise operation. In the future, it will bring more complete management concepts to pterosaur loans and enrich business layout. [4]
Folding editing this paragraph pterosaur loan operation mode
pterosaur loan was established in 2007. It is one of the earliest Internet financial platforms in China to engage in P2P network lending business. The loan model has successfully carried out localized innovation of P2P online loans, bringing Internet financial services to all parts of the country, covering the weak links of the traditional financial service system, especially for rural financial services and economic development of “agriculture, rural areas, and rural areas” in various places. strength. [5]
In the “O2O of the same city” model, pterosaur loans have set up operating centers in more than 100 prefecture -level cities across the country, covering thousands of districts, counties, and nearly 10,000 townships. cover.

In general, the “city O2O” borrowing refers to: borrowing users can only apply for borrowing in cities with pterosaur loan operation centers, and have lived in the area for a long time and have fixed assets; The local operation center will conduct due diligence investigations on borrowing users, visit home visits, and comprehensively evaluate their borrowing purposes, credit conditions, economic conditions, and repayment capabilities based on the family. The transaction with the loan users is completely online. [6]
Panglong loan has its own unique and improved risk control system, risk control and business process standards, etc., and reports to Wenzhou Gold Reform. Professional teams from major financial universities in China are responsible for operation. Regarding website security, Pterosaur Loan has its own independent and powerful background technology department.
Folding editing this milestone incident
Folding 1. Wenzhou Gold’s benchmarking benchmark n In 2012, pterosaur loan officially settled in Wenzhou Civil Loan Registration Service Center, becoming the first national financial reform pilot The service enterprise is also the first P2P network credit company to add “private lending matching business services” to the business license business scope.
Folding 2. In -depth report of CCTV “News Network”
On May 11, 2013, Pterosaur Loan obtained CCTV “News Network” with “Little Finance: New Ecology of the Internet, New Model of Financing” The theme, a 3 -minute positive report, this is the only one in the P2P credit institution, which reflects the financial activities of pterosaur loan to adhere to the P2P platform to serve agriculture and rural areas. Since then, Pterosaur Loan has been reported by CCTV nine times, and Pterosaur loan has become a benchmark company for the development of the industry.
Folded 3. Lenovo Holding Strategic Investment Pterosaur Loan
On November 3, 2014, Pterosaur Loan obtained Lenovo Holding Strategic Investment, and obtained a lot of help from capital, brand, management and key talents to drive in Develop fast lane. Choosing Lenovo Holdings does not simply pay attention to funds. It is important that Lenovo Holdings has accumulated experience and resources for many years. At the same time, Lenovo’s investment strategy and style are also in line with the development needs of pterosaur loans. As a strategic investor, Lenovo Holdings does not pursue short -term returns and exit profits. It has the common goal of “bigger and stronger” with the investment companies. Dragon loan’s corporate management, brand shaping, talent development and training, IT technology upgrade, and user experience have brought qualitative leaps.
Folding the development history of this paragraph
. In 2012, the first batch of people settled in Wenzhou Civil Loan Registration Service Center, becoming Wenzhou Golden Reform Demonstration Unit, collecting data for Wenzhou Civil Loan Index Report;
· 2012 In the year, the former governor of Zhejiang Province Xia Baolong and the member of the Standing Committee of the Zhejiang Provincial Party Committee and the leaders of the Wenzhou Municipal Party Committee went to the Pterosaur Loan Wenzhou headquarters to inspect and guidance to affirm the pterosaur loan business model and achievement;
. 2013, as P2P The benchmarking enterprise of the online lending platform has been comprehensively reported by CCTV’s “News Broadcast”. Pteroda Loan received the Beijing Municipal Financial Work Bureau, Director Huo and his party to inspect and guide the work; The member units of the “Internet Finance Professional Committee” have been affirmed and supported by the government and the media;
· 2013, as the initiator, organized the establishment of a thousand Internet finance people; Tencent’s 2013 China Internet Finance Annual Selection;
· 2013, won the top ten leading brands of the Internet finance;
· 2014, obtained the honor of the most investment value enterprise in the 2013 Internet finance in 2013; r;
. In 2014, Pterosaur Loan became a consultant unit of the Wenzhou Internet Finance Self -Vegetation Committee;
· 2014, pterosaur loan won the 2014 Internet financial corporate social responsibility “Golden Spider” Excellent Enterprise Award;
· In 2014, Wang Sicong, chairman of pterosaur loan, was awarded the top ten annual characters of the “IF Golden Thumb”;
· 2014, pterosaur loan received the top ten Internet financial leadership companies/risk control companies/risk control Platform award;
. In 2014, Pterosaur Loan became the executive vice president unit of the Beijing Loan Industry Association.
Folding editing this paragraph pterosaur loan risk control mode
Folding platform operation principles
1) Adhere to the principle of legitimate compliance, strict self -discipline, only do online information matching, not offline business, do not do offline business, do not do offline business, do not do offline business, do not do offline business. No funding pool;
2) Adhere to the principles of borrowing and microfinance of the same city;
3) Adhere to the principle of platform service without hand -handed user funds;
4) Adhere to the principle of authenticity, transparent, and disclosure of information , Real -time publishing data such as platform transaction volume, damage rate, overdue rate and other data. [7]
This multi -control measures
Preaters’ pre -loan home visit
Before borrowing transactions, Pterosaur Loan Operation Center will conduct due diligence for local borrowing users to conduct multiple dimensions in the family as a unit. Home visit.
This visit_ The main content of the survey includes: collecting pictures, text and other forms of data information; on -site verification of relevant documents such as the marriage certificate, real estate certificate, individual industrial and commercial business license, etc. Its bank account credit status, family economic conditions, and repayment capabilities have made a comprehensive understanding. Finally, organize the information of the family visitor to be tidy into the file.
Multi -level review
First of all, pterosaur loan implements real -name borrowing. After the borrowing users are successfully registered on the platform, they need to conduct online authentication, mobile phone certification, video authentication and other certification review before borrowing.
Secondly, the operation center passed the various information obtained by the pre -loan home visits to conduct comprehensive evaluation and review of borrowing users, including two steps for preliminary review and review to screen the resources of high -quality borrowers.
Finally, the review results of the operation center will be submitted to the pterosaur loan headquarters, which will be reviewed by the headquarters risk control review commissioner to evaluate the credit rating and the loan quota. The final trial of the borrowing bid can be published to the pterosaur loan platform. Multi -level audit and strict control to ensure that online information is true, reliable, safe and transparent.
In loan management
After the borrowing transaction is generated, the borrower’s repayment period expires three days before the expiration period, pterosaur loan risk control commissioner will contact the borrower in various ways such as SMS, telephone, etc., reminding him on time on time Repayment.
If off the loan is not repaid, the staff of the local operation center will be responsible for collecting.
In addition, the fellow can also communicate with the borrower’s contact information published on the platform, thereby reducing the borrower’s risk of breach of contract. [7]
Folding user funds safety
1) Pterosaur loan cooperation with third -party payment platform (currently for Guolbao). User funds are custody by third -party platforms. Fund pool to ensure legal compliance operations.
2) Pterosaur loan establishes a risk dial -up reserve system, that is, five percent of the borrowing income is submitted to the government to extract and supervise it as a risk dial -up reserve, withdrawing the reserve and covered risk.
3) In order to ensure the interests of lending users, Pterosaur Loan also has a dedicated overdue debt acquisition function. When the loader’s borrowing is not repaid for more than 30 days, the pterosaur loan system will automatically issue a notice of transfer of debt rights; if the loader fails to revoke the debt transfer within 10 days, the pterosaur loan system will automatically complete the creditor’s rights acquisition to ensure the guarantee to ensure the protection User interests are not lost.
4) In order to prevent the borrower from overdue or bad debts caused by the loss of repayment due to accidental death or other major accidents, in December 2014, pterosaur loan headquarters cooperated with China PICC to insure regular life insurance for microfinance borrowers The specific business shall be handled by the headquarters of the pterosaur loan. Pterosaur loan is the first beneficiary, and the borrower or its direct relatives are the second beneficiary. Establish an accidental protection for pterosaur loans, operation centers in various regions, and even borrowers and investors.
This Editing This paragraph of historical honor
member units of folding Internet Finance Professional Committee
In December 2013, the China Payment Clearing Association took the lead in the establishment of the Internet Finance Professional Committee. This is currently the highest Internet financial field in China. Level industry self -discipline institution. Pterosaur loan is one of the only 9 P2P companies in the professional committee. The pterosaur loan model is also used as a blueprint and provided to the regulatory agency to formulate relevant regulatory standards for the P2P industry. [8]
The folding China Internet Finance Association launched unit
4. On April 03, 2014, the China Internet Finance Association led by the People’s Bank of China officially obtained the approval of the State Council. The association is led by the Central Bank Law Department to build self -discipline management of the Internet financial industry. Pterosaur loan is one of the initiated units of the association. The previously established Internet Finance Professional Committee was a special committee set up under the China Payment Clear Association (First -level Association). The China Internet Finance Association was the first -level association with a higher level. [9]
This Folding Internet Finance Thousands of People Founding Units
Wang Sicong, chairman of pterosaur loan, initiated the establishment of a Thousands of Internet Finance. Organization, encouraged and supported by the leaders of the three associations. [10]
Reference
_1. Lenovo Holdings invested about 1 billion pterosaur loans. What P2P is the home? The village chief is also its franchisee. Tiger Sniff_. [2015-2-13]
_2. First Financial Merchant Section Report: Pterosaur Loan Network Wenzhou Golden Gold P2P Platform. Youku.com_. [2015-2-13]
_3. A P2P boss 2013_. Sina Technology. [2015-2-13]
_4. Lenovo Holdings P2P Pterosaur Loan Mao Mao Mando CEO. Sina.com_. [2015-2-13]
_5. Pterosaur Loan Network Wang Sicong: Big Data from the crowd of the net. Sidi.com_. [2015-2-13]
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