Investment and financial management always need to pay attention to the allocation of assets, and you can't put all your money on one platform. At present, the P2P industry is very chaotic. Nowadays, investors are diversifying their investments, generally investing in at least 10 platforms, and then using the online loan investment management software "Lending Friends to Help app" to manage these platforms in a unified way, which is much more convenient.

I. Basic information

Eugene Institute is jointly established by UFIDA, Shenzhen Alloy Control and our expert management team.

Eugene is a member of UFIDA, and the borrower is the downstream customer of UFIDA, which is somewhat similar to but different from chain home financing. In a sense, Eugene is a cross-border operation and has no advantage in risk control management, but has certain resources in developing customers. Judging from the platform loan amount, it is generally between 654.38+ 10,000 and 300,000. The loan risk control is guaranteed by Shenzhen UFIDA non-financing guarantee company. Judging from the company name, it is a guarantee company under UFIDA. Obviously, this is suspected of related guarantee.

Other information of the borrower, the purpose of borrowing and the source of repayment are not introduced, and the platform information is not disclosed enough. I don't know whether Eugene Institute is learning from lufax, not only the names of others, but also the disclosure of risk control information of others. However, I want to ask Eugene, are you as powerful as others? The annualized rate of return of the platform to investors is 10%, and the income is relatively less attractive. Personally, I think it is a platform for light investment.

Second, the project

After the platform is launched, the main product "Eugene -e Pay" is personal loan service, with an initial investment of 1 1,000 yuan, and the repayment method of equal principal and interest is adopted, and the transfer can be made after 30 days. Eugene 10% fixed annualized rate of return has no obvious competitive advantage. The platform claims to take three measures to ensure the safety of funds: first, the expert risk management process of the bank to ensure the pre-loan audit and post-loan management of the project target. Second, the guarantee company provides 100% principal and interest guarantee, and the guarantee compensation will be implemented immediately if it is overdue for more than 65 days. The third is to entrust a professional third-party institution to conduct fund custody. Eugene doesn't display the borrower's information on the website, so it really doesn't disclose any information. Who is the borrower, age and sex, the purpose of borrowing, the source of repayment, and the most common identity documents are not available. In view of the large amount of personal loans (up to 400,000) and long term (36 months), it is doubtful whether such loan projects are true. It is best to observe carefully for a period of time.

The following is my summary of the specific method of choosing a platform: