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　　作为马明哲践行互联网金融的重要载体，平安陆金所的每一步可谓小心翼翼、如履薄冰。

As Mr Ma practice of Internet financial important carrier,Flat AnLiu gold of each step is carefully/On thin ice.

　　近日，平安集团一位内部人士对《第一财经日报》记者透露，谋划了半年多的陆金所新项目“稳盈-安业贷”将会在年后推出，以改善目前产品单一的局面。

recently,Peace group to a source[The first financial daily]Reporter revealed,Plan for half a year many LiuJin new project"Steady surplus - AnYe credit"Will be launched in years,In order to improve the products single situation.

　　与现有的“稳盈-安e贷”不同的是，“稳盈-安业贷”的资金门槛更高，单一债权包将在10万~50万之间，而“稳盈-安e贷”则在10万元以下，与此同时，“稳盈-安业贷”投资期间较短，为一年之内，收益在7%~8%之间。

And existing"Steady surplus - Ann e credit"Is different,"Steady surplus - AnYe credit"Money higher threshold,A single claim package will be between 100000 and 500000,and"Steady surplus - Ann e credit"Is in 100000 yuan of the following,meanwhile,"Steady surplus - AnYe credit"The investment period shorter,For a year,Income between 7% ~ 8%.

　　“简单理解，"稳盈-安e贷"是无抵押的P2P，而"稳盈-安业贷"是有抵押的P2P。”上述平安集团内部人士说。

"Simple to understand,"Steady surplus - Ann e credit"Is unsecured P2P,and"Steady surplus - AnYe credit"There is a mortgage of P2P."The peace group insiders said.

　　在风控与创新之间如何权衡，平安陆金所可谓小步前行、小心翼翼。

In the wind control and how to balance between innovation,Flat AnLiu that gold is small step forward/Be careful.

　　现如今为“稳盈-安e贷”借款方提供偿付违约担保的是平安融资担保（天津）有限公司（下称“天津平安融资担保”），但面对着交易总量累计亿元的“稳盈-安e贷”来说，注册资金仅为1亿元的天津平安融资担保也面临着增加注册资金抑或是陆金所增加新的担保公司介入的局面。

Nowadays for"Steady surplus - Ann e credit"Borrowers pay breach of contract to provide the guarantee are peace financing guarantee(tianjin)Co., LTD.(Hereinafter referred to as"Tianjin peace financing guarantee"),But facing the transaction amount accumulated one hundred million yuan"Steady surplus - Ann e credit"for,The registered capital is 100 million yuan only tianjin peace financing guarantee also faces to increase the registered capital or LiuJin increased security company involved in new situation.

　　此前，陆金所一位负责人曾对本报记者表示，未来将会引入多家具有实力的担保公司为陆金所产品提供担保，而前期之所以选择平安集团旗下的担保公司主要是考虑到相互间的配合及撮合比较容易。

after,LiuJin have a person in charge said to our reporter said,The future will introduce several strength of the bonding company for LiuJin products to provide security,And early chose peace group's guarantee company mainly considering the mutual cooperation and bring together more easily.

　　但上述平安集团内部人士透露，“稳盈-安业贷”的担保方可能不考虑天津平安融资担保，而是一家注册在深圳的担保公司。

But the peace group internal sources,"Steady surplus - AnYe credit"The DanBaoFang may not consider tianjin peace financing guarantee,But a guarantee company registered in shenzhen.

　　在创新一级市场产品的同时，陆金所也在逐步构建二级市场，其在去年12月27日推出债权转让服务，以提高投资者的资金流动性，持有6个月以上的“稳盈-安e贷”投资项目即可申请转让，所转让的债权依旧享有平安全额担保。

In the primary market innovation of products at the same time,LiuJin have also gradually set up in the secondary market,The last December 27 tomark the creditor's rights transfer service,In order to improve the liquidity of the investors,Hold more than six months"Steady surplus - Ann e credit"Investment projects can apply for transfer,The transfer of creditor's rights still enjoy peace full guarantee.

　　1月29日，陆金所公告称即日起调整部分个人借款债权转让服务规则，债权出让人持有该借款债权的最短期限由180天调整为150天。

On January 29,,LiuJin announcement to say that from now on to regulate some personal loan creditor's rights transfer service rules,The creditor's rights of people who hold the shortest term loan creditor's rights by 180 days adjustment for 150 days.

　　“缩短债权出让人持有借款债权的最短期限，也是考虑到债权人的实际需求，增加可转让的范围，尤其快到年关了，很多人急需用钱。”对此，上述陆金所负责人解释称，未来将会继续下调债权持有的最短期限，直到一个平衡点，既能让债权人赚到钱，又能最大限度提供流动性。

"Shorten the creditor's rights of people who hold the shortest term loan creditor's rights,Also consider the creditors of the actual demand,Increase the range of negotiable,Especially fast to the end of the year the,A lot of people in urgent need of money."this,The above LiuJin in the explanation says,The future will continue to hold down the shortest term creditor's rights,Until a balance point,Can let the creditor to earn money,And to provide liquidity to the maximum.

　　但目前的债权转让依旧为平价转让，在没有引入市场竞争机制的前提下，也在某种程度上削弱了投资者受让的积极性。

But at present, the creditor's rights transfer still for parity assignment,Without introducing the market competition mechanism under the premise of,Also to a certain extent weakened the enthusiasm of investors transfer.

　　对此，上述陆金所负责人表示，这样的设置也是为了防止炒作，“我们也是刚刚上线运行，为把控风险，要先观察一段时间，待成熟以后，不排除引入竞价机制。”

this,The above LiuJin the person in charge said,This setting is also in order to prevent the hype,"We are just on-line operation,For the risk control,Want to observe a period of time,To mature later,Would not rule out into bidding mechanism."