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近期,以“债权转让”形式从事线下理财业务的民间理财公司在全国各地大量兴起,它们广布网点,“理财”金额庞大,“理财产品”的年化收益率甚至能达到15%,用户数以万计。这些线下民间理财公司的理财形式是否合法?这种理财形式有什么样的风险,其与非法集资行为的界限如何?“债权转让”理财游走在法律灰色地带债权转让,又称为债权让与,是指在不改变合同内容的前提下进行的合同转让,债权人通过与第三人订立债权转让协议将债权全部或者部分转移给第三人。我国合
Recently, the private financial companies that engage in offline financial management in the form of “debt transfer ” have been booming in various parts of the country. They have extensive outlets, large amount of “wealth management” and even annualized return on “wealth management products” Can reach 15%, tens of thousands of users. These offline private financial companies whether the legal form of financial management? This form of financial management what kind of risk, and illegal fund-raising behavior of the line? “Transfer of claims ” financial walk in the legal gray belt claims transfer, also known as The assignment of credits refers to the transfer of contracts without changing the content of the contract. The creditors transfer all or part of the claims to the third party by entering into a creditor’s rights transfer agreement with a third party. My country together