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全球首家上线 比特币可以抵押贷款了
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Topic: 全球首家上线 比特币可以抵押贷款了 (Read 1381 times)
xin.li
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全球首家上线 比特币可以抵押贷款了
September 12, 2014, 09:50:19 AM
#1
据知情人士透露,在半个月的试运营之后,全球首家数字资产借贷平台元宝小贷(yuanbao.com)将于9月12日正式上线运营。截止记者发稿时,该网站已经正式上线。
元宝小贷是由内业知名的“元宝团队”与“比特币交易网”联合推出的,目前已得到业界的关注。而为了庆祝其正式上线, 运营团队即将推出总额高达500万元的创始用户现金发放计划。据记者进一步了解, 该现金发放计划将通过线上与线下发放现金卡的形式来进行。目前记者在元宝小贷的网站上已经看到,元宝小贷虽然处在试运营期间,但目前已经产生了六十万元的业务成交额,市场反应热烈。
数字货币行业到底要发展什么样的业务, 一直是数字货币行业内的一个热门且众说纷纭的话题。如何能充分发挥数字货币的优点,而又找到业务的爆发力与实用性, 是一项好的数字货币业务的衡量标准, 也是风险投资人们最关注的。而元宝小贷获得了这么多的市场关注,是否能够满足上述的标准?
记者通过调查与采访了解到,数字资产借贷平台的业务模式是以数字资产作为质押物来筹款的。具体来说,元宝小贷作为借款人和出借人的一个信息提供平台。借款人将自己的数字资产(目前全部是数字货币)质押到“元宝小贷”,用来借出一定价值比例的人民币并承诺还款期限与利息。而出借人则接受借款人的质押担保并出借相应的人民币资金给借款人。 有业内人士评论, 这一业务模式,发挥了数字资产易于转交、交易透明、无法伪造的优点,而由于其类似于传统P2P贷款的模式易于被更大的市场和用户所认可也具备业务爆发的条件,从实用性上来说,由于数字货币质押的超低风险和高效的业务流程设计,能帮助融资双方更快的低成本完成交易。
一位元宝小贷的负责人向记者具体分析了元宝小贷给借款人和出借人带来的好处。 对于借款人来说,最大的好处是速度快。传统网贷大多基于用户的信用审查和不动产抵押, 而这两种形式都需要提供大量的法律材料和投入人力成本, 经济成本和时间成本都较高。由于数字资产的质押非常容易办理,只需在网上将数字货币打到指定账户1分钟的操作即可办理完成。 对于出借人来说,最大的好处是安全。 传统网贷大多虽然经过了对用户的信用审核和不通产抵押, 但问题仍然存在,如果用户违约的话后续执行成本很高。如果是不动产抵押贷款,走法律执行程序非常耗时且变数很多。法律上的规定要分各种情况,例如被执行人最后一套房可能无法强制执行,如果是车辆也可能会有银行贷款没还清或者多处抵押等等纠纷发生。 即使没有任何争议,对于资产的处置变卖也是一个相对麻烦的过程。而在元宝小贷,如果发生借款人违约,则只需要把数字货币转移给出借人即可。由于当前数字货币的交易市场每天都有约1亿美元的交易额,数字货币的变现非常的容易。
据记者了解,数字货币质押借贷的需求多种多样。 有的是矿工需要生产扩大的资金,有的已经重仓比特币的用户,希望能囤更多的币,还有一些是普通用户不希望卖币,但又有短期生活消费的需求,还有一些行业内的公司以数字货币募集了资本金,需要短期使用法币来进行周转。
关于未来的发展,该负责人提到元宝小贷近期将推出第三方的数字资产托管来为用户提供更好的服务。作为元宝小贷的运营方之一,比特币交易网将来提供这一服务。
元宝小贷200元现金码将在其QQ群296406717限量提供,感兴趣的朋友请注意把握机会。
Abbey_j
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Re: 全球首家上线 比特币可以抵押贷款了
September 12, 2014, 11:17:57 AM
#2
原来是中国的企业啊
eranbtc
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Re: 全球首家上线 比特币可以抵押贷款了
September 12, 2014, 11:19:22 AM
#3
所以今天价格又走低了,是这个原因吗?
买不起40万的比特币,还可以免费领取!
历时9年持续支付唯一还没倒的靠谱平台!
10000usdperbtc
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Activity: 980
Merit: 1000
⇾
Re: 全球首家上线 比特币可以抵押贷款了
September 12, 2014, 11:37:06 AM
#4
又是元宝,好牛啊,从我13年底入市之后,这个声音就伴随着我了
45754874
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Merit: 10
Re: 全球首家上线 比特币可以抵押贷款了
September 21, 2014, 08:40:52 PM
#5
什么时候可以抵押房子换点比特币啊
BitNet(VPNCOIN)第二论赠币:Vv4d4SMCDuJoNn8doaZP6u892V7idjaRqB
szmarco
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Re: 全球首家上线 比特币可以抵押贷款了
September 22, 2014, 06:59:27 AM
#6
元宝币很有韧性呀,这么久了一直坚持自娱自乐。
paythrough_team
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Merit: 0
Re: 全球首家上线 比特币可以抵押贷款了
September 22, 2014, 07:42:09 AM
#7
Why the price has been dropped
www.Btc-z.com
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Re: 全球首家上线 比特币可以抵押贷款了
September 22, 2014, 11:48:57 AM
#8
元宝币必然再次走起!
www.btc-z.com
元宝币自己的数字货币行情网站
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