On this open day, Shuidiqi publicly displayed a special audit report issued by an accounting firm for the first time. The report shows that the Institute audited the special fund management account of Ping An Bank in 2020. In 2020, Shuidiqi Mutual Insurance (registered entity of Shuidiqi) * * raised RMB 65.438+0.0587 billion, the fundraiser withdrew RMB 65.438+0.0386 billion and returned RMB 65.438+0.66 billion to the donor. The outstanding amount is 35 million yuan. The audit opinion points out that the account truly reflects the situation, and the sum of withdrawal amount, refund amount and pending amount is consistent with the total amount of fund-raising. No misappropriation or misappropriation of specialized household funds was found.
At the same time, Shui Tiqi also announced the interest generated by the bank's serious illness relief account that the outside world cares about. During the period from the establishment of platform 20 16 to the end of February 20 19, the interest generated by users' charitable donations * * * exceeded100000 yuan (the specific figures will be announced after further examination). At the same time, Shuidiqi Company has invested more than 654.38 billion yuan by itself, which has been used for the third-party payment of fund-raising users during the subsidy period. At the end of 20 19, Shuidiqi stopped paying subsidies to third-party channels, and the fund-raising users paid by themselves. From June 1 day, 2020 to March 3 1 day, 2026, the platform raised interest of 6.285 million yuan from the bank account of special funds for serious diseases.
Previously, the Water Drop Fund has reached a cooperation with Ping An Bank, and the raised funds will directly enter the special management account of the main body of the bank and be isolated from the self-owned funds of the Water Drop Fund platform for special management and use. Yaoyao Hu said that Didi Wealth Management has taken the lead in realizing "transparency of funds" in the industry, and will regularly publicize the funds and interests of professional households in the future.
Interested in donating and recycling love.
On the day of fundraising, it was officially announced that the interest generated by past and future charitable donations will be used to help seriously ill groups according to the original charitable purpose. Yaoyao Hu said: "The love money on the water drop platform originally existed to help seriously ill patients. The corresponding interest generated is due to the accumulation of love money, and it should also be used to help patients in need, so that love can form a cycle and help others become a habit. "
At the same time, Yaoyao Hu directly clarified the so-called "a drop of water takes a month to raise" and other erroneous statements for the first time. Yaoyao Hu said that fundraisers can apply for cash withdrawal at any time according to their own needs. Judging from the past, it will take several days for seriously ill patients to start raising funds and withdrawing cash. Moreover, in August last year, Didi Chuxing launched the service of "withdrawing cash while mentioning". During the fund-raising period, users can apply for any number of withdrawals as needed, which will not affect the continued fund-raising, exceeding 50%.
On the same day, Shui also donated the first sum of 1 10,000 yuan to the China Red Cross Foundation, which was used by the Relay Life Foundation to carry out projects related to human organ donation. It is reported that Didi Travel's follow-up plan will donate the remaining interest to relevant non-profit organizations in batches or gradually for the rescue and rehabilitation of seriously ill patients.
In his speech, Guo Changjiang, Chairman of China Red Cross Foundation, on behalf of China Red Cross Foundation, expressed heartfelt thanks to Shuidi Company for its generous donation of 1 10,000 yuan to the Relay Life Fund to support the cause of human organ donation. According to Director Guo Changjiang, the cooperation between China Red Cross Foundation and Shuidi Company in organ donation began in 2020. China Red Cross Foundation, together with Shandong Red Cross Society and Shuidi Public Welfare, initiated an education project for children of organ donors, raising 2 million yuan in the first phase. So far, it has funded the academic development of 63 children of donors.
(Shuidi donated 6,543,800 yuan to China Red Cross Foundation)
Strict and transparent standards for risk control cases
Through the explanation, the guests had a clear understanding of the preconditions, initiation process, audit mechanism, supervision mechanism and punishment mechanism of concealment or fraud. Only when the patient meets the two conditions of suffering from serious illness or sudden acc at the same time
In the process of social verification, once the helper is found to have false or forged behavior, the platform will immediately terminate the project and conduct investigation and handling. The Didi line team is spread all over the country, and can verify the patient's condition in the hospital and visit and investigate the patient's residence. At the same time, the platform has established public payment and telephone verification channels with a large number of hospitals, and can call the hospital to verify the patient's condition and treatment costs.
On the current fundraising details page of Shuidizhou, you can clearly see the basic information such as illness, identity, family assets and patient fundraising. Shuidizhou has also strengthened the "transparency of cases", clearly showing the details of the application for fund withdrawal, the use of funds, the follow-up expenses of fund raisers, and accepting the supervision of users and the public.
Expert argumentation excludes outside rumors.
On the same day, a number of experts also held a round-table discussion on "whether water drop financing belongs to charity and how platform funds can better help seriously ill patients".
Wang Hu, director of Beijing Xinmin Social Organization Capacity Building Promotion Center and director of the Office of Self-discipline Coordination Mechanism of Personal Serious Illness Relief Internet Platform, pointed out: China's Charity Law regulates the behavior of collecting donations from the public through the Internet, and there is no special restriction on "personal relief". According to Article 2.0 of the Self-discipline Convention, personal help is a gift for a specific individual, not a charitable donation for an unspecified object, and the relevant legal responsibilities are borne by the promoters and other relevant personnel.
Zhu Wei, deputy director of the Communication Law Research Center of China University of Political Science and Law, said: "Since the launch of the Water Drop Fund, the rule that the industry charges a certain percentage of service fees has been completely broken. This kind of business behavior with strong public interest and helping the disadvantaged groups has always been mistaken by the public as' Water Drop Company is a water drop fund and Water Drop Fund is a non-profit organization'. In fact, this is a misunderstanding of the water drop fund. "
Zhu Wei also pointed out that no matter from the perspective of business ethics or legal supervision, there are no serious problems in the business model of the water drop platform. Citizens' individual help originally belongs to the category of individual rights. Shuidi uses social platforms and Internet technology to speed up the original offline help-seeking behavior. Under the premise of free handling fees, it has fulfilled its social and moral responsibilities to the society as an Internet platform to the maximum extent.
Gao Huajun, executive director of China Public Welfare Research Institute of Beijing Normal University, said: "Didi Chuxing is different from the government and charitable organizations. It should face a wider public and assume more social responsibilities. To judge a family's economic conditions, we should consider them comprehensively, as long as we truthfully announce the recipients.
For relevant information, you should have the right to ask for help through the internet. Helping families with difficulties get out of trouble as soon as possible should be the direction of the platform's efforts. "
The in-depth explanation of experts and the clear presentation of the on-site process have made the rumor that "water drop financing has no audit mechanism, anyone can initiate fundraising at will, and water drop financing misappropriates platform funds" self-defeating. It is understood that water drop fundraising has helped nearly 6.5438+0.9 million seriously ill patients with financial difficulties to raise more than 40 billion yuan of medical assistance for free, and 360 million caring people have supported the serious illness rescue project on the platform.
As the leading insurance and health service platform in China, Shuidi Company takes the mission of "using Internet technology to help the broad masses of people have medical insurance and protect hundreds of millions of families", and has built a huge insurance and health service network through medical financing platform "Shuidi Fund", insurance technology platform "Shuidi Insurance" and health service platform "Shuidi Health", which has improved the efficiency of emergency rescue and become an effective supplement to the supply of many medical funds in the form of medical insurance.
Related Q&A: Related Q&A: I borrowed 1000 yuan online, but I couldn't find the platform and didn't call me. How can I repay you? Isn't this what many online lenders dream of? Halfway through the loan, the platform is dead! How to deal with this situation is divided into two situations.
The loan was entered into the credit report.
If this loan is recorded in your personal credit report, you still have to repay it on time regardless of whether the platform is available or not. There is no need to be blacklisted because of this 1000 yuan. As for what you said, how to return it? This is very simple. Which account did you remit the money to before, and this time it will be remitted to this account. What if it was all hidden before? That is, the funds are placed in their own bank cards, and the money is deducted by the platform itself. At this time, try whether the mobile APP of the platform can log in. If the webpage cannot be found, the APP will not disappear automatically. If the APP can log in, you can repay it yourself in the APP. It doesn't matter if the app can't log in. Just keep the screenshot as evidence of your non-malicious debt.
The loan has not been entered into the credit report.
If the loan is not entered in the credit report, you can set yourself free, which is equivalent to 1000 yuan. Suddenly I can't find the platform. There are several possibilities: (1) the platform operator absconded with money, the platform website and website registration information have been cancelled, the server is closed, and people go to the building to control; (2) The platform was banned by the public security organs according to law, the platform operator was sent to prison, and the platform server was shut down or not renewed in time.
In either case, there will definitely be relevant news coming from you. You can search online and see if there is any information on this. If not, then the platform update and upgrade are not ruled out, but there is no timely notice. At this time, you can wait for two days to see if the platform is back to normal. If it still doesn't work, then don't read it. It is basically one of the two situations mentioned above.
abstract
Except for a few formal online lending platforms, most of them are currently operating informally, and the game between users and platforms depends on who insists on it for a longer time. Once the platform closes down before your repayment ability is exhausted, you basically get a sum of money (it is not excluded that investors of subsequent platforms form creditor's rights committees to recover, but because customers of such platforms are often all over the country and users are distributed all over the country, it is difficult to form creditor's rights committees to recover).