Dispatch of lukewarm state network this is a Ceng Fengguang temporarily P2P network is leasehold platform.
External, it alleges have old finance leasehold field experience, the business that built a maturity operates flow and perfect risk hierarchy of control, have an outstanding risk to control a group.
And actually, this just is without a risk to control the function, company that does not have any safe safeguard, do not have tripartite capital to superintend platform more.
All conduct propaganda, it is false!
Yesterday, this the name arranges the general manager Lin Mou that borrows civilian financing information to serve limited company for Wen Zhoushun, because of be suspected of collecting money crime of fraud stands the banquet of the accused person of cervine town court of justice.
Owe 10 million debt to be noted phonily endowment 10 million do P2P
This year Lin Mou of 39 years old is urban person, ever was engaged in old chemical industry approving hair trade, be engaged in folk later leasehold, mat endowment still is borrowed etc.
2014, lin Mou because when business of mat endowment reimbursement and introductory loan business, owed 10 million yuan of right-and-left debt. Below enormous capital pressure, he hears of P2P industry very make money, and have development perspective very much. Then, be in in those days on December 3, the Lin Mou of mode of not familiar P2P throws hundred thousands of yuan, begin to try water this one new industry.
He is registered register established Wen Zhoushun to arrange borrow civilian financing information to serve limited company, look for Zhang Mou to become company legal representative, he himself is in charge of actually managing to the company.
When the company is registered, lin Mou wrote 10 million yuan amount identifying capture, and actually not pay. After registering, he rolls out a network to serve platform, on the network, conduct propaganda " suitable suitable borrow " it is the network service platform that provides a service for individual loan and lend, the borrower that needs to have fund and the intermediary platform that the investor of money demand builds rational. In addition, he still says external, administrative group has old finance leasehold field experience and perfect risk hierarchy of control.
272 employee and relatives and friends should have real investor " hold in the palm "
On January 4, 2015, p2P company of Lin Mou moves formally. "The first month, not successful, only ten yuan investment is measured. " Lin Mou says on the court, later, he went enquiring other P2P platform, copied one part the operation mode of other company.
Slowly, lin Mou is led with annual interest on network platform 18% , 20.4% reach promotive gold (head fill award, add to throw award, recommend award to wait) attract investment client, to last year on April 20, this platform issued 81 credence mark (include to press mark of prerogative of mark of year old of red Bao Tianbiao, award, novice to wait) use at promoting a network the person gas and from financing gold.
In the meantime, roll out 74 guaranty mark (the) such as room mark, car mark, gold mark. On the court, public prosecutor points out, average per capita of borrow or lend money of major guaranty prize is not true with " suitable suitable borrow " the person that is intermediary platform loan, arrange however arrange the person that borrow employee, relatives and friends or owes Lin Mou money. Lin Mou to promote portfolio, spirit full a person, release with the name of these people.
Accrual of high specified number adds according to legend of mouth of able to read aloud fluently, "Suitable suitable borrow " the attention that drew investor very quickly. To last year on April 20, "Suitable suitable borrow " platform adds up to register a member 649 people, among them real investor is 272 people, the rest registers a member 377 times all is " suitable suitable borrow " company interior is registered, use at bidding promotion person is enraged.
272 real investor leave the way that charges a cost with value or line are being filled on the line, add up to throw more than yuan 5.75 million. These money are hit to " suitable suitable borrow " after company account, then turns into personal account of Lin Mou. Last year on April 20, lin Mou to a criminal give himself up to the police of public security mechanism, so far, already settle of 97 real investor invests a money, the rest 175 people add up to more than yuan of 3.39 million debt did not call in.
14 employee attestation uncovers real features " suitable suitable borrow " platform is only " capital pool "
On the court, public prosecutor was shown " suitable suitable borrow " the 14 employee attestation of the company.
They all confirm, "Suitable suitable borrow " actual boss is Lin Mou. Alleged and perfect risk hierarchy of control is false, administrator of company so called venture is only person of employee Cheng some, his directive according to Lin Mou, will leasehold information uploads " suitable suitable borrow " platform and content of not responsible examine and verify.
In addition, lin Mou professes to cooperate with the bank all the time external, tripartite capital superintends platform, actually, "Suitable suitable borrow " superintend platform without tripartite capital. So called network is leasehold platform, just be one " capital pool " .
Public prosecutor thinks, lin Mou's behavior is suspected of collecting money crime of fraud, to this, lin Mou states he is really guilty, but hope court sets a court decision according to law.
Finance affairs of memoir of careful of ◆ front courtyard is more confused ten money also can calculate bad Zhang
Public prosecutor: Did you leave " suitable suitable borrow " hind have profit?
Lin Mou: Have, but very few. Early days is to imitate other platform, belong to feeling stone to cross a river.
Public prosecutor: Does the company do Zhang?
Lin Mou: Good to do Zhang, I enrolled ten financial personnel in succession, but because the company is financial more confused, personnel of so much finance affairs does not have method to had calculated Zhang.
Public prosecutor: When do you begin capital insecurity?
Lin Mou: Last year in March the last ten-day of a month, in succession mark arrives, capacity of client draw money is more, because early days has one share capital to be used to company operation, brought about us to face capital pressure.
Public prosecutor: Since financing is already difficult, why to still extend April last year guaranty mark?
Lin Mou: I hope the company is OK all the time normalization operation, the thing that should have bid everyday so goes on hair, let a client feel the company is normal.
Budgetary cost gap does not have mature platform greatly
Public prosecutor: Last year on April 20, why to choose a criminal give himself up to the police?
Lin Mou: Still basically be me early days is too Utopian. After the company holds water, just discover budgetary charge is far apart, I realize the platform that did not mature, the prospect of P2P is not good. And at that time, I already deficit one part, if continue to allow to go down by development, the fund that can have a lot of investor for certain still does not come out, cavity is met bigger and bigger.
Public prosecutor: When case hair, you still have 3.39 million yuan debt to did not return investor, which do these money use?
Lin Mou: The mark that expires before my a criminal give himself up to the police was paid off completely, the honor award that expires after a criminal give himself up to the police, had exceeded the ability range that I can return. This many yuan 300, 100 come to 10 thousand yuan be used at repaying by me individual liabilities, many yuan additionally 200 are used at the sale of the company and partial expenditure.
Public prosecutor: What sale fee does the company need?
Lin Mou: Advocate if expense, advertisement, sales promotion and accrual pay,wait, I must think method to open the dimensions of the company and consequence, regrettablly things go contrary to one's wishes.
Data of ◆ public security investigates P2P net two years 16 cases to borrow case
Data shows, up to this year January, net of occurrence problem of countrywide accumulative total borrows platform 1316.
City public security bureau is announced via detect detachment, district of lukewarm 2015 city investigates P2P network leasehold platform to be suspected of absorbing public deposit case illegally 8 cases in all, involve amount 100 million multivariate, involve investor of countrywide each district 1000 more than person, these 8 platform are harbor of lukewarm city finance, strong strong fortune, Huixin fortune, lotus fortune, suitable respectively suitable borrow, happy borrow, Lichuan is finance, naughty borrow treasure. Add, come two years the our city investigates P2P network 16 cases in all leasehold platform is suspected of drawing public deposit proposal illegally, experience record amount makes an appointment with 250 million yuan, involve investor 3000 much people.
◆ expert is raised action how to discern P2P platform has the dirt that do not have a cat
Although be investigated P2P net borrows platform numerous, but still have many citizens paying close attention to this one platform, so, how should identify P2P to there is the dirt that do not have a cat? Yesterday, the reporter consulted investment expert Zheng to propose bid.
Zhengjian is nominal, platform of citizen investment P2P should notice the following 4 detail:
1, from big range, p2P platform option is very important, opposite for, national platform has affirmed.
2, P2P platform is normal, should see him whether have tripartite fund mandatory platform, that is to say, investment fund of the client, be cannot enter directly in the company, must want tripartite mandatory platform.
3, after the money pitching of investor goes, must creditor's rights makes over a watch, want to let investor know who is alienee.
4, after investor knows borrower, want to examine the business information of loan, see this company whether actual existence.
