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：我們說前兩年的P2P個(gè)人借貸平臺(tái)是在野蠻生長，第一我們的市場互換資金的流動(dòng)性，第二也確實(shí)像克強(qiáng)總理在我們政府工作報(bào)告里說的，中小企業(yè)確實(shí)還是融資難，P2P平臺(tái)在某種程度上緩解這部分的問題，尤其是在流通民間資本，盤活民間資本這塊發(fā)揮比較大的作用，但是我們也看到P2P平臺(tái)也是良莠不齊，今年我們說，政府會(huì)在監(jiān)管上，尤其準(zhǔn)入門檻上設(shè)定一些條件，從源頭上把握住不良的P2P的存在，同時(shí)來說，在每家理財(cái)公司日常運(yùn)作中，可能政府也會(huì)參與一些，監(jiān)管住一些風(fēng)險(xiǎn)，尤其是區(qū)域性的，或者是系統(tǒng)性的風(fēng)險(xiǎn)，保證不存在有一些不安全的理財(cái)，或者不可靠的理財(cái)，也能在市場上生存，加速優(yōu)勝劣汰的過程，聚愛財(cái)平臺(tái)在這方面非常歡迎政府的監(jiān)管，非常歡迎這個(gè)市場上，能有一些有序的秩序存在，也有一些執(zhí)法者能存在，保證一些優(yōu)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：聚愛財(cái)現(xiàn)在有兩條產(chǎn)品線，一類是固定收益產(chǎn)品線就是聚愛財(cái)，大家可以在各個(gè)應(yīng)用商店APP商店里下載到，今年我們剛剛推出一條新的產(chǎn)品線叫聚愛財(cái)plus，跟iPhone6 plus是一樣的聚愛財(cái)plus基于浮動(dòng)收益率的理財(cái)產(chǎn)品，現(xiàn)在股市也非?；?，我們希望聚愛財(cái)希望把老百姓把好浮動(dòng)收益這一關(guān)，還有滬深A(yù)股3600只股票，開放基金也有兩千多只，還有不同的信托，銀行理財(cái)，老百姓無從選擇了，聚愛財(cái)plus幫助老百姓把控風(fēng)險(xiǎn)承受能力，幫他做優(yōu)的組合，不一定收益率非常高，但是我們保證老百姓的錢袋子穩(wěn)住，幫助他推薦股票基金，應(yīng)該買什么股票買什么基金，自動(dòng)化算好，推薦出來，這樣一鍵購買一鍵下單非常方便，不需要專業(yè)的理財(cái)知識(shí)，也可以做到在這個(gè)市場上騰云駕霧，能夠拿到非常好的收益。

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.