The gray region of Internet finance domain causes attention again, 1000 yuan buy product of illicit collect nature is not a fun.
This product that causes wide attention namely Tecent conduct financial transactions connects " silver-colored fortune of short for Zhejiang Province emerges golden purse " , its are used " gold hands in platform of gold of place ＋ each other " mode, package a product of substantial illicit collect nature similar " remaining sum treasure " product of low risk conduct financial transactions, subscribe doorsill only 1000 yuan.
21 centuries economy reports the reporter interviews investigation discovery, at present Tecent conduct financial transactions is connected go up this a series of products already got offline temporarily. But this one mode is not an exemple, exist generally inside the industry.
The central point that this kind of product gets doubt depends on fractionation of rights and interests, avoid the superintendency requirement such as 200 investor upper limit. Platform of gold of many each other and gold hand in a personage to express, afore-mentioned superintendency requirements easy avoid, core depends on his having unified superintendency regulation at present, be in gray region.
Platform of each other gold and gold hand in place to be in confused in before row, superintend urgently.
Last week, reporter of report of 21 centuries economy is connected in Tecent conduct financial transactions on bought product of a fixed conduct financial transactions " silver-colored fortune of short for Zhejiang Province emerges golden purse is filled with year after year the 44th period " , anticipate year change yield 5.1% , 1000 yuan rise buy, close period 364 days. This product will begin collect on June 5, 12 days end collect, 14 days hold water, monetary fund profit is enjoyed during collect awaits.
The product introduces information to show, this product is approve of company of the close an account of capital of classics Tianjin finance that register is dealt with register, by issue Yin Huizhi of square short for Zhejiang Province (Hangzhou) capital management limited company (abbreviation " Yin Huizhi of short for Zhejiang Province " ) in exchange of Tianjin finance capital (abbreviation " day gold place " ) hang out one's shingle issue, entrust Inc. of bank of merchant of short for Zhejiang Province to undertake asset is recommended / financial product of management; According to relevant trade regular, day gold place connects platform to recruit intent investor through Tecent conduct financial transactions.
Hua Dong chief of endowment canal department is opposite some city commercial firm analysis of reporter of report of 21 centuries economy says, the mode of specific professional work of this kind of product may be, yin Huizhi of short for Zhejiang Province entrusts invest in of bank of merchant of short for Zhejiang Province a certain project, specific capital fund has knowledge of bank of merchant of short for Zhejiang Province only, yin Huizhi of publisher short for Zhejiang Province has accrual to counterpoise, day gold place agrees with earnings power fractionation, repass Tecent conduct financial transactions opens collect capital.
" emerge money wraps manual of product of product of series of nonsked open mode " show, this directional financing plan issues total dimensions not to exceed a RMB 50 billion yuan, exchange of onefold finance capital / the center issues total dimensions not to exceed a RMB 10 billion yuan; Issue an object to be exchange is produced in golden financing / the center registers the accords with eligible investor demand member that open an account; Issue object amount not to exceed 200 for each batch (contain 200) .
Nevertheless, "Silver-colored fortune of short for Zhejiang Province emerges golden purse is filled with year after year the 44th period " the product did not show the material information such as collect total amount and fundamental asset, show only " the product is bank deposit of main invest in, bond, fund, fiducial the fixed income such as plan, endowment canal plan kind investment breed " .
Personnel of customer service of day gold place reports to 21 centuries economy the reporter expresses: "The product achieves certain specified amount to spend have plan interest begins namely after establishing a condition. The collect amount of every first phase is different, because this manual does not have exposure, also do not understand specific amount. ' silver-colored fortune of short for Zhejiang Province emerges golden purse ' the product connects put on sale in conduct financial transactions only, cannot see on day gold place. Cast as to specific capital fund to wait for a problem, it is with product manual accurate. It is with product manual accurate..
On June 12, tecent conduct financial transactions is connected show this product collect is finished, capital already turned into collect product from monetary fund. But subsequently, tecent conduct financial transactions connects this product that go up to already disappeared. Personnel of customer service of day gold place explains: "Because of project problem, at present this product crosses the line on ability of period of time, specific reason is not quite clear. Specific reason is not quite clear..
This kind of product superintends afraider place to depend on, whether be suspected of be fractionation of rights and interests fair share to be issued publicly, covert stage of Jin Ping of the regulation that breaks through accumulative total of holder of rights and interests to must not exceed 200 people, each other whether butt joint gold hands in an asset, eligible investor how to be maintained etc.
Among them, gold hands in a product to be illicit collect property, but average investor is evaluated through simple online risk only, can with 1000 yuan of smaller even amount, gold is bought to make a product on platform of each other gold, similar the fractionation of power of earnings of illicit collect product such as the plan of fiducial, endowment canal before is made over, how be on guard among them risk, it is a problem.
Many personage inside course of study expresses, on one hand, publisher hands in place to issue directional financing plan or yield to counterpoise in gold kind of product, the flow dominant position of platform of finance of Internet of have the aid of, collect endowment is more convenient and quick; On the other hand, partial net borrows platform to spend limitation to break through loan specified amount, meeting and gold hand in a collaboration to take a technological process, release the product in the net to borrow platform to go up again, superintend with this avoid.
And " emerge golden purse " this of a series of products issue square short for Zhejiang Province Yin Huizhi is company of an asset management, possess the qualification that issue and manages illicit collect product. But its whether through be in " day gold place " after distributing a product, again by Tecent conduct financial transactions is connected face capital of ordinary people collect, be worth deliberate. Additional, fund is specific cast to what asset, opaque also.
21 centuries economy reports the reporter consults industrial and commercial data discovers the enterprise, silver-colored capital of Zhejiang short for Zhejiang Province runs limited company (abbreviation " silver-colored capital of short for Zhejiang Province " ) Yin Huizhi of hold short for Zhejiang Province 51% share,
Although bank of merchant of short for Zhejiang Province regards this as paragraph product recommend, management square, but will look from equity, bank of merchant of short for Zhejiang Province and silver-colored capital of short for Zhejiang Province do not have immediate impact. Nevertheless, the industrial and commercial information that register shows, on October 14, 2015, the legal representative of silver-colored capital of short for Zhejiang Province (chief) by Zhang Changgong change laughs for Chen Xiao. Public data shows, zhang Changgong is assistant president of bank of merchant of short for Zhejiang Province now; By December 2016, chen Xiao laugh attends some forum, the post is chief of department of market of capital of head office of bank of merchant of short for Zhejiang Province.
Personage of interior of bank of merchant of short for Zhejiang Province expresses, chen Xiao laugh has left his post. On June 6, 21 centuries economy reports the reporter sends case to contact bank of merchant of short for Zhejiang Province, a staff member says, "Bank of merchant of short for Zhejiang Province and Yin Huizhi of short for Zhejiang Province do not have any jural relations " .
Avoid superintends operation controversy"Also local gold hands in place to had looked for me, want to cooperate similar pattern, our interior dispute is bigger, this mode hit an edge ball, get to the bottom of still has a problem, we dare be not done. This kind of product rises 1000 yuan cast, and bank conduct financial transactions rises 50 thousand yuan cast, illicit collect product rises 1 million yuan cast. " chief of endowment canal department represents afore-mentioned city trading company.
"Gold hands in platform of gold of place ＋ each other " mode is not an exemple, however industry phenomenon.
It is with opening Xin gold to take exemple, the net is had to borrow platform and gold to reach place below the banner, open Xin to borrow namely with Jiangsu capital of finance of Internet opening gold trades center (abbreviation " center opening gold " ) . Will open Xin gold to take some product that government-owned net introduces on June 12, it is the financial capital fund that large finance orgnaization and bourse manage card orgnaization to roll out inside U.N. trade product, the project basically originates Jiangsu opens capital of golden Internet finance to trade center, most project rises 50 thousand yuan cast.
This year March, "Clear rectify of all kinds trade spatial department time joint meeting " (abbreviation " joint meeting " ) allot " good about doing clear rectify of all kinds trade place " look round " the announcement that early days phase concerns the job " (clear whole couplet does 〔 2017 〕 31) , those who elaborated gold to reach place is main violate compasses problem, for instance, it is to be suspected of be fractionation of rights and interests fair share to be issued publicly, "Local finance capital trades spatial product external in process of put on sale, wait for standardization with 10000 yuan mostly the unit is subscribe start and with its times more integral undertake increasing by degrees " ; 2 it is to covert the regulation that breaks through accumulative total of holder of rights and interests to must not exceed 200 people, "Financial capital trades the place often adopts fractionation to sell kind, amount bigger product fractionation is a certain number of amount lesser child the product is sold respectively, realize break up the whole into parts. Trade the place will be belonged to essentially same issue square same issue product fractionation to be many financing project, dispersive hair to go, perhaps divide for how period issue " .
Gold opening Xin takes general manager when Zhou Zhihan is accepting 21 centuries economy to report the reporter interviews, express: "The project of center attending a meeting gold penetrates after all layer asset, project and asset are corresponding, investor counts strict control to be in 200 people less than. Additional, choose suitable investor according to the scope magnitude of rock-bottom asset, also conduce to the problem that solves 200 people upper limit. For example, gold makes all character that serve larger company client, the rock-bottom capital fund with a few bigger dimensions, can give an orgnaization the client to receiving; And the Gao Jing that the asset of a few lesser foreheads accords with a condition to be being received is worth individual client. And the Gao Jing that the asset of a few lesser foreheads accords with a condition to be being received is worth individual client..
"Platform of each other gold + gold reachs place " mode adds up to compasses sex ask
A net of Shanghai borrows platform and gold to hand in place to also have collaboration, its controller also thinks afore-mentioned the requirement is easy at 2 o'clock avoid, he tells 21 centuries economy reports a reporter: "Core problem is platform of each other gold whether butt joint gold makes a product, how is eligible investor maintained, this respect still does not have specific provision. This respect still does not have specific provision..
And alleged and eligible investor, platform of each other gold passes the means such as online risk evaluation to maintain commonly, specific be set by proper motion of platform of each other gold and operate.
Zhou Zhihan thinks: "Gold hands in a product to be able to pass proper Internet channel to undertake selling, provide a service to eligible investor through the way such as the doorsill is being thrown since online risk evaluation, setting. The gold that gold opening Xin takes makes a product to register become the platform member, specific individual that accords with a condition client of high net value is open.
Afore-mentioned nets borrow platform controller to say frankly, at the beginning of June, shanghai finance superintends sectional public figure to think when the spot is checked, the net borrows platform to cannot make a product to receiving gold, rectifying and reform at present, or establish new website to sell gold to make a product, or flat quit this professional work.
By this year March, the superintendency branch of Beijing allots " fact of orgnaization of leasehold message medium maintains the network reach rectify and reform a requirement " , express clearly " asset carries product of exchange of butt joint finance " to be suspected of violating compasses act.
Zhou Zhihan thinks: "This file is not the government to be released publicly, existing description is too general, its authenticity should inspect Beijing area to superintend branch and place to make the same score a particular communication case with specific executive measure and calm. And this main body that informs a standard is the net borrows platform. And this main body that informs a standard is the net borrows platform..
Gold reachs a place confused in before rowMany net borrows platform and gold to hand in a personage to express, two kinds of orgnaizations are in do not have distinction substantially, it is gold only the investment threshold of the product that reach place is higher, general 10 thousand yuan of above; And gold hands in place to be superintended by the place, each district standard is skimble-scamble.
"Last year October, superintend allot risk of each other gold after special punish file, our product does not make the same score the sale on the stage in each other gold, because investment doorsill and number are bad,hold. At present majority is the sale below the line. " some gold hands in southwest place law adds up to regulation chief to tell 21 centuries economy reports a reporter.
Platform of each other gold whether butt joint gold makes a product, eligible investor is maintained, the standard problem such as investment doorsill, all ambiguous. Afore-mentioned law add up to regulation chief to express: "For instance, the branch is superintended to check our company at the beginning of June, offer a tentative plan, now your case buying a place is 50 thousand or 100 thousand, but the client of 80% was cast 200 thousand the left and right sides, whether will remove the attune that buy a place to reach 200 thousand yuan? Whether will remove the attune that buy a place to reach 200 thousand yuan??
The respect is carried in asset, gold hands in place to also be put in many problems, for instance information is announced and superintend ability to wait.
"Whether does exposure of of all kinds information reach the designated position even impeach, and gold hands in a product to be illicit collect property, cannot publish conduct propaganda, in principle cannot make public exposure. As to how to superintend publisher financing utility, we agree according to the contract on one hand, cannot involve break the law violate compasses kind utility; On the other hand, later period inspects running water. But actually gold hands in a capacity of superintendency fund utility to compare weakness. " afore-mentioned gold hand in a law to add up to regulation chief to say frankly, general gold hands in place to want oneself to be not violated only compasses, publisher does not break the law, " open an eye to close a key point " .
Afore-mentioned gold hand in a law to add up to regulation chief to express: "We are in transition business, cooperate with door of Ministry of finance on one hand, exploration builds PPP center; Cooperate with the bank on the other hand, explore bad assets to deal with. Explore bad assets to deal with..
Also gold hands in a personage to hold different view. Zhou Zhihan thinks: "Of the State Council 37, 38 article, made clear what provincial finance does to trade the place superintends duty. Should superintend clearly only square, adopts whose child, can handle good gold completely to make the superintendency issue of place. Can handle good gold completely to make the superintendency issue of place..
