Platform is clear dish, investor is fastened too fluky!
Last as what superintend thorough, the net borrows the passageway of sudden huge profits of platform to be stemmed, add platform amount acute newly to decrease. Public data shows, add platform newly in May 4, drop compared to the same period 82.6% .
And those serious exceed the time limit or the platform that capital catenary gives an issue must quit a trade, issue dish of announcement clear. Enter in June, already network of home of know exactly about sth borrows platform to release announcement to suspend business undertaking clear dish.
Among them, small grey Xiong Jin takes commitment overall cash is over before October 31 all client principal and interest; Announcement of small dragon net says, era receives 100 thousand yuan the following and small the user predicts to divide 6 months to have cash, era receives 100 thousand yuan of above big user, predict cash 3 years minute.
But also have a few platform with Qing Dynasty dish a protracted time, run all right the fact of the road, clear dish become " Qing Panlei " . In this backside, it is the hardship that investor thought fors the time being, and of platform cash protracted.
"After some net borrows an orgnaization to close down, many 100 investor sues dimension authority, whole suit comes down to spend time more than one year. Although the court decision came down to bear investor, but money or otherwise come over, because platform does not have money, (investor) who is not clear also borrower. " a lawyer tells a reporter so.
The cash of ◆ come to an agreement or understanding may become run road
relatively at running road, clear dish it is order of a kind of law, platform is nonexistent the behavior that collects money con or illegally, the production of the company is run stop, all asset are in short-term inside sell, change a cash, by early or late order repays outstanding amount due, legal order is pressed later, announce the company is disbanded.
The money that calls in this namely in a word calls in, return money investor again.
The reporter understands, the net borrows platform Qing Dynasty dish main component is the circumstance 3 kinds:
The first kind is in installment clear dish, the regulation is in proper time cash is certain proportional generation receives amount, small grey Xiong Jin is taken, small Long Wangjun is this kind of means.
The 2nd kind is equity is made over, the creditor's rights of investor changeover becomes the equity of platform, become the partner of platform.
The Qing Dynasty before this dish fertile when in borrowing 3 kinds of plan that announce, a kind of plan is " the partial equity that the company can provide shop of below the line 2 doors undertakes subscribe, investor is usable wait for receive capital A to be changed into door inn equity, participate in door inn every months accrual is divided into " .
Investor also can choose creditor's rights to make over, fertile when borrow the 3rd kind of Qing Dynasty that announcing dish mention in means " plan the line on June 2018, the company opens program one in 36 period the function that creditor's rights transfers, the form that the user of urgent need money can switch through debt undertakes creditor's rights is made over " , and plan is in installment cash.
The 3rd kind is to hit retrace to buy, this kind of plan is like is to check inventory big reduction sale. Investor classifies according to investing amount, hit according to level next fold put in gold of repayment of capital 's charge, for instance 50000 yuan capital is hit fold remand 5000 yuan.
A lot of platform just began on time cash, but do not take contributive gold to have pay back at all to later, even originally cash becomes affirmatory principal and interest to remand only a bit accrual, evolve extremely likely finally to run road.
Amount to a person to borrow trustee to grow Sun Meng to express to the reporter:
"The net borrows platform to be in clear dish when when should accomplish this: One, want to have complete, specific, executable plan; 2, should pay close attention to every interest related side fairly appeal to beg; 3, should draw lessons from go bankrupt a few mechanisms inside liquidation, accept audit and supervise, introduce representing of lawyer, accountant, investor to wait for instance. Introduce representing of lawyer, accountant, investor to wait for instance..
◆ is hit win lawsuit or should be less than money
Compare at a few platform one character disagreement runs road, announce clear dish platform is general announcement has reimbursement plan. And the expression before investor is taking money is to be widely divergent however.
After finance of forest of be apt to was closed down April, rational investor is initiative build a Wei Quanqun, hope in order to adopt the way that the group warms oneself can recapture " money earned by hard toil " , and gather relevant evidence in order to have untimely needs.
However, in already the government reports this matter belongs to true condition to fall, as before a lot of investor are in so called " investment group " inside comfort each other, weighing platform is temporary only occurrence problem, everybody does not call the police, cannot call in otherwise principal and interest.
Run in near future happening what investor of road, Qing Panping stage builds group inside, also there is no lack of two kinds of afore-mentioned different settlement means. And they are adopted " safeguard nonfeasance " the difficulty that the reason is dimension authority, and the possibility that takes investment capital is inferior.
When the reporter is in and a few investor that involve Qing Panping stage undertake communication, investor is opposite clear dish of result is not hopeful: "Do not cherish too big hope, capital is not taken very likely. Capital is not taken very likely..
Explode additionally according to investor makings, proposal of credit of the 2nd period add does not have elegant hall finance to have cash on time. To this, " the customer service telephone call that the reporter announces according to government-owned net calls elegant hall finance to undertake seeking testimony, be hinted however " call mistake, choose afresh please " .
A lot of investor are not willing to undertake thought fors the time being, because dimension authority process is more lengthy,be with hardship.
The exploration of ◆ mechanism: Shenzhen " how-to " platform is exited in order
To how him protection of the oldest rate combines gift right beneficial does not suffer encroach, the lawyer expresses:
The first, choose normal network to borrow platform. Can inquire the industrial and commercial registering information of platform and case of all experience case, if this platform always is lawsuit,pester a body, investor is about to consider to invest a plan carefully.
The 2nd, understand the aptitude situation of borrower. Want to understand a net to lend the intelligence of platform not only, also be necessary to ask the net borrows platform to make public aptitude of the fundamental condition of capital movement condition and leasehold person, credence.
The 3rd, sign normal equality to invest a contract. Read each article seriously when signing a contract, for example: The net borrows platform to regard intermediary as square right obligation, whether be man-to-man run, whether tripartite assures the company already undertook means of circumfluence of capital of examine and verify, later period and node wait to borrower aptitude.
The important and oral affirmatory OK also and written form that offers to the clerk additionally is add in the contract, conditional can ask the professional personage such as the lawyer to be examined ahead of schedule.
The 4th, the society withholds testimony. From the contact the net borrows platform to begin, include its to publicize the color page, chatting record with the clerk, signed investment agreement to wait.
After elegant hall finance quits P2P professional work actively, the net borrows an industry to lift " Qing Panchao " , some platform say benign exit, and proposal of the official credit that show add, but of cash deadline spin, also make the probability of investor recapture principal and interest is reduced many.
Last year on September 29, association of banking of Shenzhen city Internet was released first in the whole nation " business of orgnaization of leasehold message medium exits Shenzhen city network how-to (ask for an opinion to stalk of grain) " , stipulate the net borrows platform business to exit average order clearly:
1. holds water exit the job to head a group;
2. is made exit plan and quit plan;
3. exits a plan to reach fully to association newspaper quit plan;
4. association offers directive opinion and groom related nonsked organization;
5. is carried out quit plan, according to the plan reliable push advance and retreat to go to work;
6. exits a circumstance to association report every week, communicate in time with association with respect to difficulty problem;
7. fulfils lender capital Qing Dynasty to quit the job, all settle puts quantity project;
8. stops a net to shift business in the round.
