就在销售人员将这种理财模式吹嘘得天花乱坠之际，该公司的一些内部人士透露了此类公司的生财之路。

In sales staff will be the financial management mode to the skies of boast,The company's some insiders revealed such company brings wealth road.

　　该公司某人士坦言，说白了就是“空手套白狼”。公司发家是靠小额借贷。很多小企业无法在正规渠道获得融资，只能靠地下钱庄或者所谓的担保投资公司民间融资，而资金利率往往大幅高于银行贷款的基准利率。

The company insists a personage,Spoken parts in an opera is particieboard"Empty set of the white Wolf".The company is a fortune by microfinance.Many small businesses can't in the regular channel for financing,Can only rely on underground Banks or so-called guaranteed investment company folk financing,And the funds rate often greatly higher than bank loans benchmark interest rate.

　　尤其是近几年，民间融资开始兴盛。这导致这类投资公司的资金周转吃紧，急需通过融资来获取社会资金，于是就想到了所谓“人人贷”式的金融创新。业内人士称，这样公司既不用担心踩了非法集资的“红线”，而又通过变相从公众手中获取资金，能够将企业的杠杆率做大，增厚企业的盈利能力。

Especially in recent years,Folk financing began to flourish.This leads to this kind of investment company tight capital turnover,Need through the financing for social capital,Then thought of the so-called"Everyone credit"Type of financial innovation.The personage inside course of study says,So the company not only don't worry stepped on illegal fund raising"Red line",And through the disguised hand from the public access to funds,The enterprise is able to leverage ratio do big,Thickening enterprise's profit ability.

　　中国证券报记者暗访发现，这家公司的投资部是另一套人马，他们每天的工作就是打电话、在报纸刊广告，到一些中小企业登门推销，意在向潜在的资金需求者“兜售”资金。

China's stock certificate report reporter investigations found,The company's investment department is another set of Sagittarius,Their daily work is to make a phone call/In the newspaper publication advertising,To some small and medium-sized enterprise house selling,Is designed to potential capital demanders"peddle"funds.

　　一名从该公司离职的人士说，他每天的工作就是从经理提供的手机黄页中逐个打电话，邀请有资金意向的个人来公司面谈，“一点技术含量也没有，而每个月的收入大部分靠签单数量来拿提成”。

A name from the company said people leaving the company,Every day he work is from the manager to provide mobile phone call in the yellow page one,Invite have the funds intention of personal interview to the company,"No technical content also have no,And every month income by most sign the bill quantity to take commission".

　　其实，该公司鼓吹的先进理财模式很简单。所谓“固定收益”，就是投资人从公司手中获得的资金收益是12%，而公司提供给资金需求者的利率要达到20%左右，其中价差被公司称作服务收费。

In fact,The company advocated advanced financial management mode is very simple.The so-called"Fixed income",Is the investors from the hands get money income is 12%,And the company to provide capital demanders interest rate to reach 20%,The price was called the service charge.

　　当然，资金拆借方的资金价格也不是一成不变，他们也需要调查借款人的工资流水、工作单位情况，甚至通过银行的关系调取资信证明。如果借入资金规模较大，他们甚至要求提供房产作为抵押物。

Of course,Money lending side of the capital the price also is not static,They also need to investigate the borrower's wage flowing water/Work situation,Even through the bank relationship obtaining credit certification.If large scale borrowed funds,They even required to provide real estate as a pledge.

　　如果是公司的一些长期优质客户，他们的手续费也会适当降低，大约在4%左右，这样拆借资金的成本大约在16%。

If is the company's some long-term clients,Their commission will also reduced,At about 4%,The cost of such lending money at about 16%.

　　“就这样，在理财端，公司可以获得1%的账户管理费，而在投资端，公司可以获得4％-8％的服务费。”他说，“赶上好年景，两边的收入确实让公司赚得盆满钵满。”

"so,In the financial end,The company can get 1% of the account management fees,And in investment end,The company can get 4% - 8% service charge."He said,"Catch a good year,On both sides of the income really let the company earn piles."