Civil | Close sound
The closest line leaves economy market, extremely not quite smooth.
Many platform are checked, tall canal is controlled.
Cong Shanlin finance, sincere sincere conduct financial transactions, Yun Lianhui, have not decide to nowadays again of the gender in letter of civilian of be in harmony, the line leaves company of conduct financial transactions, be closed down by be involved in in wet haze.
Many practitioner is issued by the line from P2P wash in economy business piece, and because they are original,working opprobrium is changed, "A lot of people cannot find the job up to now " .
Have before put on record to be made stop, have after close down haze, the P2P industry of be in a dilemma, the likelihood should is immersed in final " the battle of license plate " ...
01 cruel thunder
Late on May 7, 20 patron wagon, the be in harmony in was being surrounded the building of Beijing headquarters office of civilian letter.
And the reason that incident erupts, it is investor reports a case to the security authorities, claim money is taken do not come back.
"One boiler carries the person that goes to work that day afternoon, was taken away. 70 much people, the member that include technology, customer service, office language. Partial person was not put up to now. " according to in-house personage Wu Wei discloses, one king of Bin of red of company vice-president a surname, Shanghai surnames a manager, and company finance affairs is controlled.
But interesting is, although Beijing headquarters encounters a misfortune, but in civilian of be in harmony believes the branch in and other places of Shanghai, Xi'an, Hangzhou, Harbin, still be in normal operation.
"Because the other place has not received Beijing police assist the announcement that check. " Wu Wei discloses.
And it is before a month, cruel thunder of bigger a platform.
On April 10, headquarters of finance of forest of be apt to is exposed to the sun to be checked by Shanghai police assault, tall canal is controlled, employee is disbanded.
And after a day, everybody just knows, zhou Baiyun of legal person of finance of forest of be apt to confessed his crime, admit oneself " collect money illegally " .
The capsize of any financial edifices, not be in one day.
Actually, everything has early bodeful.
Occupy Wu Wei to divulge, letter of civilian of be in harmony is in in already appeared this year in Feburary cash problem.
"The answer of customer service, it is the system upgrades all the time, technical breakdown, stall for time namely. " an investor says.
In the clerk that civilian of be in harmony believes says, to arrest everybody cash, the company set slashing requirement.
For example, shift to an earlier date redemptive, not only yield can be moved low, recoup the principal of 5% even even.
An investor says, begin from this year, partial project cannot take interest not only, also do not allow even capital to extract, direct and compulsive add is put.
Civilian of be in harmony believes employee to divulge in: "It is difficult that employee wages began to extend March, sent base pay only, performance is sent did not come out. Performance is sent did not come out..
April, in increasing investor experience is carried while it is difficult to show, letter of civilian of be in harmony still is enlarging business in.
The clerk still swims add of door of a persuasive talker is cast, saying the doubt on the network is water of bedabble of person of the same trade.
Meanwhile, letter of civilian of be in harmony appeared in extensive staff leaves his post.
All margins with arrived critical.
The circumstance of finance of forest of be apt to is breathtaking also consistent.
"President is aided especially before had said with us, presence of banking of forest of be apt to is constant from be in harmony. " Ning Ming of the employee before finance of forest of be apt to says, classics detect and relevant government leader go finance of forest of be apt to has talked a few times, also had checked, but the movement is not big.
Additionally one claims the netizen of the employee before finance of forest of be apt to explodes makings, finance of forest of be apt to once leaned " borrow new debt to return dead horse " maintain, in the meantime, dummy borrower information, buy remote region id card, forge information of creditor's rights list.
In the meantime, the firm increases the poundage with redemptive investor ceaselessly, block up investor recalls the operation of capital.
Still some still are in the old platform of operation, negative also recently ceaseless.
On May 18, the brand below Oriental Yin Guqi " silver-colored cereal fortune " the city that be become by flourish is on guard and deal with to collect money illegally office of working leader group call-overs, include be suspected of violating in this city compasses be engaged in list of relevant banking business.
With day, the net passes An Chuan street agency finance does to owner of some floor space to release early-warning to hint.
This file says, if this enterprise is entered,be stationed in subsequent case, the branch executes the law to will investigate relevant duty to owner related.
And the investor of Oriental Yin Gu says: "Business manager says to pay the break a contact of 20% poundage, ability can take money ahead of schedule. Ability can take money ahead of schedule..
According to the domestic data that the net borrows, the lowest inside the industry makes over poundage is 0.2% , highest also do not pass 2% .
The poundage of break a contact of 20% , outclass industry value.
Before this, media explodes fortune of prosperous giving constant is in charge of collective high to find new job, 25 tall canals, among them 12 are in 3 short leave his post in succession in lunar time; According to Heng Changgao the canal discloses, bad Zhang of Heng Chang leads special dreariness. End in May 2015, bad Zhang is as high as 3.5 billion yuan, among them, affirm do not return, hard about 1.5 billion yuan of pursue and wipe out, exceed the time limit does not return probably 20 100 million, capital black hole is huge.
In bad Zhang rate extremely high case falls, heng Changcai is rich still ceaseless dilate, and insist to make a line, the purpose maintains cash to flow namely ceaseless, borrow return newly old, make up for the financing gap of its backside at the same time.
It is the letter of old platform and fortune together, ever was exposed to the sun to give large area exceed the time limit 2016.
2017, ever had professing is the person that letter and fortune are versed in from the employee, call its inn of the door below the line large area is shut, employee leaves his post group by group.
The capital that this employee says to letter and end of money manage money matters are inducted amounts to 40 billion yuan, but the creditor's rights quantity that can examine has 20 billion yuan only at most, whereaboutldirection of capital of the rest a huge sum is unidentified.
Letter and fortune ever were included twice to manage unusual directory, also be superintended for many times the layer call-overs. Still be in at present normal operation.
Dangerous wing is in slowly stretch, industry crisis on the verge of breaking out.
02 industries crisis
After industry crisis erupts, be like a domino, a series of the problem is caused.
These a few Baolei average the several employee of the stage, flow arrives on the market, partial person finds the job hard even, the clerk that takes order deduct a percentage from a sum of money directly especially and in high-level employee.
"The feeling goes, sticking on the body ' cheat outstanding ' label. " in the clerk that civilian of be in harmony believes says.
Wu Dan leaves his post Lin Jinrong of the be apt to after two months ability cruel thunder, but he still received constabulary telephone call, be talked about about, the money of demand return deduct a percentage from a sum of money.
Because was hit " finance of forest of be apt to " label, he also did not find the job up to now.
"Know inside the circle, the platform below these lines makes a way very wild, we do not hope to head these bad practice to our company. " many HR has disclosed such meaning.
"Of these companies geomantic and bad. " inside course of study so speak, but a few moods, in faint erupt.
The flow of tens of thousands of employee in the industry, let panic travel like virus.
"I also worry about oneself platform occurrence problem particularly now, such professional career should be broken by behead. " the clerk of some P2P company says.
The most dangerous, still not be the confidence inside course of study lose, invest the confidence of the user to collapse however.
According to not complete count, investor of banking of forest of be apt to 30 thousand, experience record amount 600 much, and in the investor that civilian of be in harmony believes does not have specific data up to now, financing gap at least 1.5 billion, two platform branch pervades the whole nation, the line leaves door store, on the amount 1000.
In the QQ Wei Quanqun of 1000 people, everybody longs to hold a group in the arms to warm oneself, but mutual distrust, suspicion, jealousy, call each other names, everybody conceives idea each, sensitive and flimsy.
Finance of forest of be apt to by qualitative after be being put to be sucked illegally, the collective memorial that investor of Lin Jinrong of an out be apt to sent even on the net: The request decides finance of forest of be apt to " suck illegally put " do not hold water.
The investor of fall victim, go be " finance of forest of be apt to " plead on sb's behalf, this is a most acid result probably.
But, reality is such, once of finance of forest of be apt to " blame suck " evidence of a crime sits solid, the Qian Ke of investor can hit water to float at this point.
These bad newses, accentuated again the trustful crisis of P2P industry.
The operation controller of platform of one build ministry discloses, the creditor's rights of a month is made over recently, increased 40% ; And answer cast rate, dropped 30% .
These are the danger signal that capital begins to withdraw P2P profession.
Recent P2P industry, it is a fleeing army's suspicion of danger at the slightest sound really.
Before a month, superintend deferred again of P2P put on record, guess inside course of study ceaseless.
"After superintending, everybody is very flabby to the confidence of P2P. " the wind of approach of personage of know the inside story of superintendency layer ever also was sentenced beforehand, "The crisis is from the line next conduct financial transactions begin to detonate certainly.
Ling Feng is analysed, because cost of operation of the conduct financial transactions below the line is high,this is, and violate compasses operation the dot is too much, this is the one link with P2P the weakest industry.
These platform appear problem, because investor discovery is carried,be more after showing difficulty, call the police, cause police thereby intervene.
And superintend pair of P2P industries, tightening up in the round.
"Receive such calling the police before, very bad put on record. Present logic is, once can be cut,investigate, absolutely not show mercy. " Ling Feng says, because superintend the important task this year,this is, go overing grown with weeds namely Cun Jing.
Change character, what do badly in the industry, sub perhaps platform is washed go out, withhold the platform that head minority does well only.
"Actually, superintendency preparation adopts license plate admittance to make will superintend an industry. Put on record make can cancel, change license plate to make directly, the platform that can get license plate finally may have not exceeded 300. " Ling Feng discloses.
Ling Feng is right of the industry forecast, more not hopeful.
He is judged, p2P industry can appear this year bigger " credit crisis " , just just begin now.
"Later period, can have big platform of a few heads, close down after cash crisis, the industry will be immersed in concussion in those days. " Ling Feng is forecasted, the industry can is immersed in again shuffle wet.
03 step forward dimension difficult
P2P industry from sudden huge profits, evolving hard gain.
Company of a P2P, once hatch a lot of subentry. Going on the annual meeting of annual bottom, what other company places is Qing Gongyan.
But the P2P that serves as a parent company, carry even the head however do not rise.
A year none gain, and somewhat deficit.
This is a most acid ending probably: Line of other perhaps business gets subsidiary alive very good, and the P2P that regards Internet finance as start, was immersed in however nowadays step forward in the predicament of dimension difficult.
A lot of have the company of other business line, whether to abandon P2P board in the consideration piece.
"This business is becoming chicken ribs. It is difficult to win a customer, capital cost is expensive, close compasses, more difficult. " one appears on the market the responsible person of business of the P2P below company division, they also prepare to abandon.
"Superintending still is to hope P2P can return to source. " be close to superintendency Ling Feng to say, "Platform wants subsist, must be rectified and reform completely by P2P new rule. Must be rectified and reform completely by P2P new rule..
But, all people know, should accomplish close completely compasses much more difficult, doorsill has many tall.
Or Qing Dynasty is retreated from, or closes to the utmost compasses, these two roads, went too hard...
Once license plate system is carried out, the industry can leave very few company only.
Almost all people, there was a result in the heart, but everybody fears to speak out.
The of 90% player inside the industry, the likelihood should be washed.
This may mean the period of P2P, end basically...
(The requirement of the person that merit is visited, name of person of the part in article is alias)
