Hope tragedy is not recurrent.
P2P already became pain of a dense. Recently, beijing shows limited company of silver-colored bizarre science and technology (next weighing " show silver " ) chief of public relations department expresses publicly, show silver to already started the in-house mechanism that check, assist active connection police the investigation of case of one picket suicide.
Before this on Feburary 26 before dawn at 3 o'clock half, clean of Feng of 21 years old of girls (alias) from the Xi'an that its hire the 17 buildings of some village jump down, ended life. Police affirms, exclude homicide likelihood. But to April 8, this case is to cover a road to borrow a case by official put on record, and drag in goes out show the net such as silver to borrow platform.
The reason is, feng of Feng clean father is far on March 11 (alias) when arranging Feng Jie hangover, discover daughter manuscript returns paragraph Zhang sheet 3 pieces, thickly dotted ground is being written on Zhang sheet in installment happy, show silver-colored, love rice, the net shifts amount of the name of the orgnaization, reimbursement and reimbursement date. December 2018, the amount that Feng Jie should return is 31489 yuan, it is to show silver merely one is about to return 10138 yuan.
Additional, after dying from the daughter, feng Yuan is received for many times in succession receive those who show the net such as silver to borrow platform staff member to urge money information and phone, ill-mannered, condemn a bad language that can'ts bear clean of Feng of pleasant to hear, affront and Feng Yuan even. This lets Feng Yuan think of the daughter concern very likely with this to death, call the police after gathering evidence with all possible means then, seek put on record to investigate.
Public data shows, show silver to held water 2013, it is to be aimed at the net of individual user and medium and small businesses to borrow platform. Showing silver Introduction App says, need Id to be able to borrow money only, 3 seconds finish credit to evaluate, require a hour only to loan from application. Current, showed silver to had finished D annulus financing, total amount of be in harmony restrains 300 million dollar.
Whose hound somebody to death 21 years old of girls?
Before Feng Jie has an accident in Xi'an group of a dance becomes dancer and assistant, perform in area of scene of wild goose tower every night, probation a month in one's hand 7500 yuan, but did not sign labor contract, also do not have 5 danger one gold, chummage of every month take out and social security, remain 4000 yuan or so. Press the price level of Xi'an, this income still calculates pretty good.
But the net that increases every month to want to return is borrowed, feng Jie is entered badly not apply went out. With was in December 2018 exemple, feng Jie should return 31489 yuan of nets to borrow in all. 2017 second half of the year, feng Jie and friend estimation need reimbursement amount always, discovery is as high as about 140 thousand yuan unexpectedly. She can rely on to kin friend to lend money only, set now, raise in order to borrow borrow wait for methodological get over the day that sheet of every month Zhang expires.
The view that waits according to Feng clean mother, friend and kin, arrived 2015 2019, feng Jie is the whole thing borrowed to them about 50 thousand go to 70 thousand yuan, die in her before, still be engaged in a net lending a friend that shows professional work over there covered a large sum of fund. Feng Yuan statistic all Zhang date of Feng Jie discovers, after Feng Jie dies, kept 7 money in small letter purse only.
Nevertheless, what Feng Jie has borne is far more than these. After Feng Jie dies, feng Yuan experienced a daughter before one's death painful.
The net borrows company dun personnel to cannot find Feng Jie, call often to Feng Yuan. Show silver " to honour loan " urge receive personnel to scold Feng Yuan: "Old blackguardly " " I saw you the daughter borrows money even if buy bier to you " ... minatory even should give family member of Home Feng Jie friend post a letter breath say " you (Feng Yuan) got cancer, your girl borrows money to see a doctor to still do not rise to you, want to go sell oneself or a member of one's family " .
Show silver to urge stopping staff is not to pretend gally Feng is far, these nets borrowed platform to obtain information of Feng clean address book basically. Besides Feng clean father, at the beginning of 2018, feng Jie's aunt once received dun telephone call, say Feng Jie has money.
This kind of force urges borrowed action, the group is lent in the net presence is long already. A net borrows a victim to ever expressed to time finance and economics, on March 11, he borrows platform in the net " borrow on money " on borrowed 2000 yuan, platform duplicates entirely in the address book data of the half an year in his mobile phone when data of test and verify, exceed the time limit still is not borrowed hit explode address book.
Feng Yuan expresses unthinkable, receive these dun telephone calls everyday, the daughter can bear how old pressure: "To my parent, he is so invective evil language, if be opposite my child, the word that he says is absolutely and more than so simple " .
Letting what person expect is less than is, pull Feng Jie into the net to borrow sloughy is the one mobile phone that the ministry is less than 4000 yuan only. When the university, feng clean school has a classmate to do a net to borrow the representative of the company, to everybody propagandist net is borrowed, the organization downloads APP together, slowly the net is borrowed in become among the classmate " very general " . 2015, big 3 last term, feng Jie is in of the friend drive under, also be in " in installment happy " on bought a mobile phone.
Does fame in disorder?
Before actually Feng clean incident happens, show silver to be in the reputation of the client side is bad already.
In get together complain year complained quantity pop chart to go up 2018, show silver to be complained effectively with 6007 become the 2nd. Complain in black cat on, show silver up to now always complain a quantity to also have 211. Notable is, 2018 is the net is borrowed superintend add a severe year stage by stage.
Above is complained silver-coloredly about shining, basically involve behead breath, high interest, force to urge borrow, the problem such as interest rate of exceed the time limit of high specified number. Have for instance complain say, "Of App showing silver groan twinkling twinkling loan, platform falls without any demonstrative circumstances mandatory let an user buy Xiang Yu the Conqueror white. Loan time is 30 days, date of factual close an account has 28 days only, calculate on accrual, loan has 801 yuan 1000 yuan only in one's hand, this loan interest rate exceeds the 36% red line that the country provides already badly. This loan interest rate exceeds the 36% red line that the country provides already badly..
This year March, " China runs a newspaper " the report says, in discovery Shan Yinli is used " box of new personality gift " " box of gift of Xiang Yu the Conqueror " " to honour gift box " wait for a product, buckle after taking the issue such as partial loan amount. When those, show silver to was not responded to. But the introduction of box of new personality gift that the report alludes, store avoids careful loan specified amount to spend service entrance to wait to disappear in all in end of mobile phone client disappear.
Complex relation
Jiangsu establishs Kong Jing of solicitor of peaceful attorney office to ever expressed to time finance and economics, if the net borrows platform the address book data of duplicate user half an year, and the personnel in releasing the loan privacy that contains this person Id number to give address book further, violate individual privacy right, influence reputation right namely, attribute illegal action. Additional, the network loan below P2P mode still is civilian finance leasehold, interest rate must accord with relevant law laws and regulations and judicatory to explain the provision about interest rate.
" top people court about trying statute of comfortable use of civilian leasehold case the regulation of a certain number of problems " (next calling " regulation " ) it is the 26th times " the interest rate that leasehold both sides agrees did not exceed annual interest to lead 24% , lender requests borrower to pay interest according to conventional interest rate, people court should grant to support. The interest rate that leasehold both sides agrees exceeds annual interest to lead 36% , the accrual agreement that exceeds a share is invalid. The accrual agreement that exceeds a share is invalid..
Additional, " regulation " also made demarcate to interest rate of exceed the time limit. The 29th is " leasehold both sides has an agreement to interest rate of exceed the time limit, agree from its, but lead 24% in the limit of with exceeding annual interest " .
The CCTV this year 15 evening parties of 3 · exposure cash borrows " 714 tall artillery piece " random elephant: Covert interest rate of exceed the time limit of behead breath, high specified number, absolutely the life is urged close etc. These features, show silver to have.
On April 9, the whole nation is swept black do to hold a press conference first, released print and distribute of procuratorate of top people court, top people, the Ministry of Public Security and judiciary combination publicly " about dealing with " cover a road to borrow " criminal case the opinion of a certain number of problems " " carry out about dealing with " weak force " criminal case a certain number of.
Those who make a person incomprehensible is, tighter and tighter situation is superintended in Internet banking industry under, long-term be urged to borrow by behead breath, usury breath, force, charge of exceed the time limit of high specified number complain what the problem pesters a body to show silver to still retaining high-key act way however.
CCTV after 15 evening parties of 3 · , a lot of by exposure or was not borrowed by the net of exposure platform is a lot of more convergent. For instance, what be call-overed is fast borrow easily, smallpox of small fat sheep, day, machine has rice, shine, wear below the much money App such as money madam, do not have name be goinged to by the dot borrow on money also is worn below proper motion for a time, still removed Baidu 100 divisions.
The personage inside partial course of study expresses, a lot of nets borrow the method that platform answers to hit one gun to trade a place namely, gave a problem to change an APP, change the appearance continues to work. Additional grandfather manages the name often also is concealed, online fall to find its very hard to manage the land, superintend hard.
Showing silver is it seems that " exceptional " , company name can see when downloading APP, hold water 6 years all the time " row not more renown, sit not to change a last name " , also do not investigate the history that wears below App. Current, on some search engine, still can see the many propagandist draft that shows silver. On April 18, after be in the news of case of Feng clean suicide, showed silver to contact medium actively still, express to will contact police actively to assist the investigation of the case.
Be worth what carry is, pop chart is complained in above in, the 3rd after listing Shan Yinzhi " Jiu Fu " , it seems that as associated as what show silver to having countless ties. Time finance and economics consults weather eye is checked wait for office data discovery, shan Yintian makes round of only nine rich an investment square. Current, nine rich hold shows silver the share of 22.17% , at the same time Sun Lei of Xiao Changxing and Jiufu author, president is equal before be those who show silver-colored He Jiufu 5 large stockholder; And show silver to control person Zhi Zhengchun the largest stockholder, actually at present, jiu Fu vice-president ever was held the position of before this.
Jiu Fu this name, the public may be not familiar, but " realize doctrinairism money " a lot of people had listened. 2017, realize doctrinairism money to ever was in each large network put together art, heat broadcasts ad of spread its tail of drama, APP in high frequency appear. And Jiu Fuzheng is the parent company that realizes doctrinairism money.
The personage inside course of study says, jiu Fu is as more assuming than fine long hair as appropriate letter photograph color even the gold of mysterious each other of slightly better is Caesarean. Some net borrows platform to combine father Li Jun (alias) express to time finance and economics, the opinion that at present rich to nine economy carries inside course of study is general better, interest is good, basically be capital what do on safety is very pretty good. Jiu Fushi showed financing of bank of an ancient name for China to put a valve, carry risk of money of peace and tranquility " loan honors the agreement assure to be sure " obtain exceed the time limit to be sure to ensure.
Nine rich subsidiary is numerous besides, subordinate and relevant enterprise amounts to 26, complex product often also lets a person feel do not wear brains. What differ with firm of other Internet banking is, what Jiu Fucai uses is the strategy that bull hits out, be aimed at different setting and business, rolled out amount to ten kinds of products. Government-owned net shows, jiu Fuqi issues negotiable securities of Fu Puhui having nine, Jiu Fu, Jiu Fucai rich, realize the much money product such as doctrinairism money.
What go up with product conduct propaganda is high-key and different, nine rich itself all the time since with mystery famed, especially the sail of large stockholder either about Jiu Fu, for many times the crucial information such as financing and equity framework. The personage inside Ceng Youye penetrates through many layer equity reach historical data contrast to discover, hong Kong appears on the market the Qu Mochun of effective control person of company Gao Yang science and technology, just be Jiu Fu steer a boat mysteriously rear person. Qu Mochun accuses a the 2nd large stockholder for Founder formerly, ever contended for Beijing University Founder to control right with Wang Xuan of author of Beijing University Founder.
Zhi Zhengchun of author showing silver ever was taking Jiu Fu C of 80 million dollar annulus express after financing, equity showing silver is VIE framework, jiu Fu is a small shareholder only. But the personage inside partial course of study says, if increase the share of high in relief science and technology, perhaps be not such. (Tall of Beijing time finance and economics is treated)
