To 58 believe two handcart with city and actor and character, finance is an exceedingly meaning really.
Be in early in May 2015, yao Jinbo of the 58 CEO that be the same as a city with respect to threaten, "Today, we feel already qualified to do a modern thing -- Internet finance. " after that, the 58 layout that be the same as a city 58 money-locker (the net is borrowed) , 58 seconds are rich (small borrow) , pay 58 months (in installment platform) wait for a product, formed 58 banking system jointly.
A few days ago, actor is believed (NASDAQ:UXIN) announces, will trade to two handcart of company derive aid borrow business and Golden Pacer(58 finance) undertake incorporating upgrading. Announcement shows, the two handcart that Golden Pacer will believe for actor are online trade offer aid borrow a service.
Comment personage says, violate the 58 finance with perpetual plan and actor letter together, made up for actor to believe what go up in financial license plate to be short of somehow break, also let its aid borrow business to come off the principal part that makes an independence. Nevertheless, this also is meant, actor believes aid borrow business to have controversy sex more in radical 58 finance hand likely.
Actor believes a respect to say in announcement, incorporate through this, be opposite according to trading valence, actor letter acquires share of certain proportion of hold Golden Pacer cash reserve in a bank of 100 million U.S. dollor. The two handcart that Golden Pacer will believe for actor are online trade offer aid borrow a service, actor is believed and Golden Pacer just will cooperate with capital, be dedicated to implementation actorring or actress the letter is assumed no longer aid those who borrow capital fund any bail and risk responsibility.
Banner of the finance and economics that occupy seven issues understanding of center of Internet finance news, golden Pacer is a blame appears on the market company. Pertinent information shows, golden Pacer is the firm of a banking that 58 finance invest, finished 2018 newest round of financing. Nevertheless, center of Internet finance news did not discover in industrial and commercial system corresponding company is registered hold water, but 58 finance announced to finish financing of 400 million yuan of A1 annulus in July 2018 however.
In fact, up to now, the orgnaization that the financial business of the 58 layout that be the same as a city or ginseng cast includes to consume net of financial firm, money management company, P2P to borrow platform, commerce to keep sale of manage, insurance / acting company, small finance company and insurance broker. Among them, area of river of Chengdu bright and beautiful limited company of broker of the 58 insurance that be the same as a city already was cancelled in May 2018.
Loan interest rate turns over times
Current, business of the banking below the 58 banners that be the same as a city is most dazzling should count consumptive finance, smally borrow business and P2P net. This year on April 17, center of news of finance of the Internet below banner of seven finance and economics issues a report " " magical " 58 finance: Secondhand house business thrust head pay shift a car in installment concoct various pretexts coverts collect fees " , show 58 finance make public conduct propaganda to offer continuously head pay shift business.
After that, 58 in its with the city two hand rooms bought information page to get offline head pay the conduct propaganda that shifts business the picture, the original link that points to 58 finance already invalidation, the net already also cannot open even 58 banking official. Current, 58 already changed loan supermarket thoroughly with the city " 58 good borrow " .
The data shows, "58 good borrow " operation main body is Changsha 58 small loan is finite liability company, adjacent of Beijing city net hold of IT limited company its the share of 95% , for the largest stockholder. Among them, besides 58 finance self-supporting " 58 seconds are rich " outside, borrow platform or loan supermarket diversion for much home cash reserve in a bank.
Those who deserve attention is, "58 good borrow " with " 58 seconds are rich " be suspected of covering road borrower by doubt again and again. Among them, "58 seconds are rich " for An Zhuo version, "58 seconds are rich " for IOS system version, platform alleges highest loan 30 thousand yuan, cost is led 0.05% cases / day. And newest data shows, besides " expend in installment " , borrower still requires pay of Xiang Ping stage " credit safeguard serves cost " .
With loan 1000 yuan are divided 4 period (4 months) for exemple, 58 finance allege total cost is 60 yuan only. And after loan, platform asks to be inside half month reimbursement, at the same time collection and expend the service fee that waits for the forehead in installment. Many borrower express, actual in installment total cost and the charge that 58 finance publicize differ double, "It is misdirect consumer purely " .
To first phase it is the reimbursement inside half month, response of 58 banking customer service says, it is systematic acquiesce. Nevertheless, customer service was not informed why systematic requirement undertakes inside half month first reimbursement. Customer service expresses, all borrower are in " 58 good borrow " wait for loan to need to be in 15 days inside first reimbursement.
Head pay borrow urgent get offline
This year April, center of Internet finance news once was reporting middle finger goes out, of 58 finance thrust secondhand the room trades, publicize help user publicly on government-owned webpage face actually collect head pays, offer head pay shift business. Each secondhand news of specific room cause shows the house page, in " charge " this one hind all have " help your collect fund " link.
After clicking this link, the user is jumping turn page namely net of 58 banking official applies for loan. Same, "Column of the loan that buy a house " set " first buy course of study " , " collect head pays " , " decorate loan " wait for 3 option. Among them, "Collect head pays " mortgage to not have namely, 0 assure, highest 500 thousand / 1-3 year / lunar interest rate is low to 0.9% wait for relevant introducing.
In fact, it is early by July 2016, ministry of urban and rural construction, hair changes housing appoint, the 7 ministries and commissions such as people bank allot jointly " the opinion that manages stimulative industry health to develop about strengthening estate intermediary " , "Head pay borrow " product of banking of this one Internet by qualitative violate to break the law compasses, be made formally stop.
Be aimed at the doubt that media raises, 58 had made to relevant content with the city get offline processing, page of eye anteroom source has done not have a pertinent information that pays loan. And before 58 those who be the same as a city is medium high-level personnel expresses, "Actually 58 never had done with the city head pay shift business " .
But of clearly is, 58 with the city " not clear, do not know, had not done " head pay shift business, its publicize a page is to appear in net of the 58 officials that be the same as a city for many times however. Meanwhile, the 58 much place that appear to its official net with the city publicize picture and loan entrance, also did not make any explanations explain.
To 58 with the city character, be based on the service such as car, house property, O2O, make financial give no cause for more criticism. And for outspread dimensions, head pay borrow wait for business greet, make one of first selection, and continue up to now. After center of news of classics Internet finance reports, this channel already got offline sadly.
Current, 58 already went up afresh in home page of its official net with the city line " finance " diversion enters the mouth. Nevertheless, center of Internet finance news discovers, the result with this oriented entrance is the cash loan service that 58 finance roll out -- " 58 good borrow " . Same, "58 good borrow " also be supermarket of a loan, borrow platform and loan supermarket 2 times without intelligence ready money for much home diversion.
Finance of main attack car
In elaborate composition " head pay borrow " after business gets offline, 58 finance must seek new business to break through a dot, and car finance made best choice.
This year on May 29, actor letter announcement says to finish new round of financing, with 58 with the city (NYSE:WUBA) reachs strategic collaboration, among them 58 will buy actor to believe 100 million dollar to be able to turn with the city debt. Meanwhile, 58 will have authority to nominate with the city a trustee believes a board of directors to actor.
In fact, this is the first pace of bilateral collaboration only. After a month on July 12, actor is believed again announcement says, will aid below the banner borrow business and finance of Golden Pacer(58 of 58 investment company) amalgamative. This also is meant, actor or actress the letter will center energy to develop Wu of business of two handcart cable, come off gradually finance.
According to interfacial press, by this year June, hearsay says actor believes financial personnel to changing autograph contract in succession, those who point to is this matter. Center of Internet finance news understands, 58 finance will become the person basically bear the weight of of bilateral car finance, and the drill of backside dish hand. Same, relevant profit also will delimit from actor letter principal part turn to new Golden Pacer.
Nevertheless, the comment says, both sides also is together " cover a road to borrow overlay to cover a road to borrow " . As we have learned, 58 offerred car finance serve to be coverted to collect fees by doubt. According to center of Internet finance news the report before this, the acceptance in car banking business " without other charge " , " without bail " , " without poundage " wait, but all unfulfilment.
The user says, its are dealt with in 58 finance when loan buys car business, the clerk when signing a contract is avoided inside affirmatory half an year breath, say to cannot be avoided again after. Loan amount 75 thousand yuan, half an year should return accrual to be 22 thousand yuan. Calculate from this, rate of this loan annual interest is as high as 66.67% . In addition, still have an user by additional collection charge.
Specific and character, car advocate Deng Zhengyi (alias) when purchasing two handcart, 58 finance working personnel tells his to be able to have interest rate only should some charge, and 3 loan of the dot serve cost, other does not have charge again. According to Introduction Deng Zhengyi, subsequently the staff member uses its mobile phone to undertake operating, in its complete unwitting circumstance falls dealt with brushstroke 20 thousand much consumption is borrowed.
Meanwhile, the working personnel is extra return collection cash 4500 yuan poundage, reject to issue receipt. The loan contract that issues according to Deng Zhengyi, car loan amount is 160 thousand yuan. Among them, collection 1500 yuan GPS charge and 23844.48 yuan service charge.
Urge debit side, 58 finance criterion exert the method such as trailer. The analysis thinks, this also is the effect that adds outfit GPS -- prevent in installment the main trick that the user misses couplet. Center of Internet finance news inquires lawsuit discovers related the court, below circumstance of borrower exceed the time limit, lender is enjoyed preferential authority sufferring countervail, but have no right privately distrain car.
Besides car finance, 58 finance return distribution 2 nets borrow platform, it is respectively " 58 money-locker " with " see wallet " . Information shows, these two nets borrow platform advocate business Wu all is borrowed for the car, corresponding borrower comes from not less leave car business at the 58 banners that be the same as a city, and actor letter of future.
