Heng Heng: Safety Is Greater Than Income.

As the first stop of this year's AI Ruifeng conference, on April 2015 15-16, the 2015 annual summit meeting of IARI, hosted by the AI group, was held in Beijing National Convention Center.

The theme of the Beijing summit of the iwry is "taking the opportunity and dancing in the draught" as the theme, attracting hundreds of front companies leaders and tens of thousands of participants from the Internet, new economy and technology related industries at home and abroad.

Host: we welcome.

The chief executive of finance has participated in today's interview with AI.

Ren Heng: Thank you!

Moderator: since P2P is the product of P2P, we can not avoid the problem of P2P regulation. How do you feel about the good and bad rumors about P2P regulation?

Ren Heng: Yes, this is a topic that most people are more concerned about. For a long time, bank loans and loans are bad, which has led to the continued financial demand of our people for a long time. The traditional financial operation costs are high and the income is low. Some people invest in some relatively high P2P personal lending platforms. This is either blindly pursuing the expansion of trading volume, ignoring the risks, or now the government's supervision has not been fully promulgated. So there are still some mixed phenomena. Some of P2P's motives are not so good at the beginning of its establishment, so there are a number of P2P running, bankruptcy and bad debts.

A very safe and reliable financial platform, how do we do it? In fact, we are not lending ourselves to individuals, but from the way of pfer of creditor's rights, from banks, Guarantee Corporation and small loan companies, our assets have already had very reliable guarantee and disclosure before selling on the poly financial platform, and have been tested by the traditional financial institutions. Before sale, the financial platform of many financial services accumulated by the financial institutions, and our risk control mechanism, and once again do wind control, and then make a guarantee and disclosure, which means that every sales product on the poly AI platform has two wind control and guarantee and disclosure, so that it is safe and reliable. Our gathering platform is not a traditional P2P platform. It is a kind of revenue rate between bank financing and traditional P2P financing.

We must ensure that every financial asset is very safe and reliable, so that we can help the ordinary people to keep their pocketbooks and make their money bags.

Moderator: as a user first concerned about security issues, and then the issue of income, in the face of different users, there must be different needs, this piece of love money is how to do it?

In a list, each item is a different financial product. There is no lack of financial products in the market. We have 3600 stocks in Shanghai and Shenzhen A shares and more than 2000 open funds. Besides, we have private trust funds and various kinds of insurance and financial products. The biggest difference between poly wealth and other financial products is that they make use of the most advanced big data analysis technology and cloud computing capability, which can distinguish each citizen's risk bearing ability in real time. He expects his earnings and his demand for liquidity, and recommends the best financial portfolio according to his own circumstances according to different factors. Ren Heng: Yes, this is a very good question. Now most of our financial management is still a supermarket concept.

Between income and risk, find a balance that suits him best.

Moderator: as it is now the first quarter of 2015 has passed, after a quarter of the development trend, do you think the 2015 P2P will have any new changes than last year?

　　任衡：我们说前两年的P2P个人借贷平台是在野蛮生长，第一我们的市场互换资金的流动性，第二也确实像克强总理在我们政府工作报告里说的，中小企业确实还是融资难，P2P平台在某种程度上缓解这部分的问题，尤其是在流通民间资本，盘活民间资本这块发挥比较大的作用，但是我们也看到P2P平台也是良莠不齐，今年我们说，政府会在监管上，尤其准入门槛上设定一些条件，从源头上把握住不良的P2P的存在，同时来说，在每家理财公司日常运作中，可能政府也会参与一些，监管住一些风险，尤其是区域性的，或者是系统性的风险，保证不存在有一些不安全的理财，或者不可靠的理财，也能在市场上生存，加速优胜劣汰的过程，聚爱财平台在这方面非常欢迎政府的监管，非常欢迎这个市场上，能有一些有序的秩序存在，也有一些执法者能存在，保证一些优秀的像

A platform like love and wealth can survive better, develop faster and benefit the common people.

Host: is there any new product or service to be launched in 2015?

　　任衡：聚爱财现在有两条产品线，一类是固定收益产品线就是聚爱财，大家可以在各个应用商店APP商店里下载到，今年我们刚刚推出一条新的产品线叫聚爱财plus，跟iPhone6 plus是一样的聚爱财plus基于浮动收益率的理财产品，现在股市也非常火，我们希望聚爱财希望把老百姓把好浮动收益这一关，还有沪深A股3600只股票，开放基金也有两千多只，还有不同的信托，银行理财，老百姓无从选择了，聚爱财plus帮助老百姓把控风险承受能力，帮他做优的组合，不一定收益率非常高，但是我们保证老百姓的钱袋子稳住，帮助他推荐股票基金，应该买什么股票买什么基金，自动化算好，推荐出来，这样一键购买一键下单非常方便，不需要专业的理财知识，也可以做到在这个市场上腾云驾雾，能够拿到非常好的收益。

At the same time, it also ensures safety.

Moderator: you must be very much looking forward to this product launch.

Ren Heng: Thank you. You can search in every major application store, Apple store, Android store.

Plus "for this product.