极高的收益让不少投资者动心，该公司标榜的资金安全则意在让投资者“安心”。

High income let many investors killer,The company flaunt capital safety is intended to let investors"At ease".

　　该公司业务员介绍，理财合同明确指出，公司实行先行赔付制度。公司已经设立了相应的风险保障金。每借出一笔钱，公司计提2%纳入风险资金账户，用于风险准备来抵补可能出现的损失。“公司将保证资金安全，即使借款人偿付困难，公司将会代偿所有本金和收益。”

The company introduced the salesman,Financial contract explicitly pointed out,The company implements the first settlement system.The company has set up the corresponding risk security payments.Every loan a sum of money,The company 2% provision into risk capital account,Used for risk for coverage possible loss."The company will ensure the safety of fund,Even if the borrower payment difficulties,The company will be compensated all principal and income."

　　不过，上述该公司人士坦承，通过打电话这种“大撒网”式地拉客户，“自然是良莠不齐，水到底是深是浅，公司也没底。”他进而表示，公司采取最简单的规避风险方式就是将资金打散，“让鸡蛋分散在多个盘子里”。

but,The above the company admitted people,By calling this"Casting a big"Type to pull customers,"Nature is the good and bad are intermingled,The water is deep is shallow,The company also unavoidable."He then said,The company take the most simple way to avoid risk is scattered funds,"Let eggs dispersion in more than one dish".

　　一般客户的借款规模就在3-4万元左右，公司明确提出贷款总额不能超过每个月资金流水的8倍，企业法人和个人融资一概不能超过50万元。

The general customer's borrowing scale in 3-40000 yuan,Put forward the total loan can't more than money every month of the water 8 times,An enterprise as a legal person and personal financing are not more than 500000 yuan.

　　“银行能够将信贷资金用途进行监控，防止进入房地产、股市等高风险领域，但我们这样的公司风险防范能力很低，即使客户拿资金去赌博，公司也只能听之任之。”

"The bank will credit capital USES monitoring,Prevent into real estate/The stock market and high risk areas,But we such company risk prevention capacity is very small,Even though the customers take money to gamble,The company also just leave it as it is."

　　针对公司在经营上的巨大风险敞口，业内人士表示，脆弱的资金链往往是这种公司的“致命伤”。宏观经济不好，企业的资金出现周转困难，企业的坏账开始增加，资金周转立即会出现问题。

According to the company in the management great risk exposure,The personage inside course of study says,Fragile capital chain often is this kind of company"trauma".Macroeconomic bad,Enterprise's capital turnover difficult to appear,Enterprise's bad debt began to increase,Capital turnover problems immediately.

　　“企业的贷款期限大约在2年左右，而理财资金往往一年就会到期，期限的错配自然会加剧企业的资金调度难度。当一家融资企业出现延迟偿付，如果没有增量资金救场，企业就可能因为流动性而经营困难。”

"Enterprise loan time limit at about 2 years,Financial capital and often a year will expire,Deadline mismatch natural exacerbate enterprise capital operation difficulty.When a financing enterprise appears delayed payment,If there is no incremental funds JiuChang,Enterprise may because liquidity and face difficulties in their business operation."

　　“一旦理财资金出现集中提取，企业可能就会不堪兑付压力而宣告破产。而那一点风险准备金无疑是杯水车薪。”

"Once the financial capital appear concentrated extraction,Enterprise may be unbearable pressure and declaration of bankruptcy.But that barely begins to address the need risk reserve fund."

　　上述接近监管部门人士表示，这种居间模式安排，里面的风险环节太多。

The above close to regulatory authorities say,This intermediate pattern arrangement,The inside of the risk link too much.

    一是道德风险。这种理财模式往往要求投资者将资金打给公司中某个人的账号，若企业主移民海外，将资金拿走了，同时让公司破产倒闭，这会让投资者血本无归。

    One is moral hazard.The financial management mode to often ask investors will fund the dozen give companies a personal account,If the overseas business immigrants,Put money away,At the same time let the company went bankrupt,This will allow investors lose everything.

　　二是公司担保能力不足。中国证券报记者调查发现，现在很多“人人贷”公司宣称在资金募集和投资方建立了“防火墙”，但基本上是在一家集团的不同分公司而已。甚至居间模式提供的担保方也往往就是集团本身。“这基本上是一根绳上的多只"蚂蚱"，风险爆发的时候肯定是一起完蛋。整个集团都建立在十分脆弱的地基上。”该人士表示。

Two is company guarantee ability is insufficient.China's stock certificate report reporter survey found,Now many"Everyone credit"The company announced that in the fundraising and established the investor"firewall",But basically is in a group of different branch just.Even intermediate model provides the DanBaoFang also often is the group itself."This is basically a root of the line more than one"locust",Risk breakout is certainly up together.The whole group are based on very weak foundation."This personage expresses.

　　该人士称，试想一种金融产品要通过超市公开售卖，要通过各种电话去放款，混淆大家的认知，从投资者教育的角度，必须提示给投资者，这里面“风险极大”。

This personage says,Just think a financial products through the supermarket public sale,To go through all kinds of telephone to loan,Confuse everybody's cognitive,From the Angle of investor education,Must be presented to investors,there"Risk greatly".