Go a few years, finance of finance of Tang Xiaoseng and money treasure net, elegant hall, couplet a round flat piece of jade with a hole in its center is called 4 large high specified numbers of civilian return benefit platform. Inside very long period of time, the control the forces of nature on platform is borrowed in Internet finance domain, net, with high interest rate high income puzzled a lot of investor.
Nowadays, this 4 large high specified numbers return benefit platform to explode entirely thunder! Investor is comprehended achingly, "What you think is pull up abb, the result is built however went up capital " .
Finance of a round flat piece of jade with a hole in its center of A, couplet
On June 21, finance of couplet a round flat piece of jade with a hole in its center is investigated by put on record of door of the Ministry of Public Security, cause of put on record is to be suspected of drawing public deposit illegally, as a result of,classics detect personnel states this is main is " the number exceeds 30 people, amount to exceed 1 million, acceptance repays captital with interest " these 3 characteristics. Public security just starts investigation, final verdict is given priority to with forensic court decision.
Science and technology of couplet a round flat piece of jade with a hole in its center establishs department of Internet banking career at was being established 2014, force of devoted research and development has the development of platform of Internet conduct financial transactions, platform starts capital stock gold 100 million yuan.
The net that occupy an official introduces, the product of conduct financial transactions of finance of couplet a round flat piece of jade with a hole in its center basically has two kinds, one kind is product of current conduct financial transactions " pocket money plans " , change yield when the year before last year 6.9% ; One kind is small bell treasure fixed, cent March period and June period two kinds, the history year change yield to be respectively 10% with 12% .
B, Tang Xiaoseng
During dragon boat festival, register the net at Shanghai to borrow platform " Tang Xiaoseng " explode eventually thunder.
The information that Shanghai police releases shows, tang Xiaoseng or experience collect money illegally, already was investigated by put on record of public security mechanism at present, the case is running a course in detect in. Zi Bangjin of Tang Xiaoseng parent company takes headquarters to already was closed down.
According to net of Tang Xiaoseng's official, its profess to end setting of look forward to, trade the quantity amounts to 80 billion yuan. As similar as couplet a round flat piece of jade with a hole in its center also is its return profit high, tang Xiaoseng has abb activity in each channel almost. Having an activity detailed rules among them is, cast 100 yuan to stand return 50 yuan, invest 100 yuan of above, everyday sign in can get 0.88 yuan. Tang Xiaoseng alleges 2 times yield of its current product is land gold place, and liquidity is better. Generally speaking, partial platform shows an activity to attract investor experience through returning. But, tang Xiaoseng's returning shows an activity to had explained very hard with the logic that wins a customer.
Net of treasure of C, money
In December 2017, when the information that through the government when Nanjing city public security bureau small gain releases money treasure net to because be suspected of violating guilty a criminal give himself up to the police,control person Zhang Xiaolei actually, partial netizen says for " by the false information of pilfer date " .
The money treasure network that established 2012, flaunting his is " be based on entrance of high frequency discharge and capital, development is core with small business, small business go to the countryside and cross condition cable business to run paralell ' both wings of an organic whole ' the platform of domestic small business of mode " , draped the colour garment that glaring finance innovates for oneself. There is a place it seems that at the beginning of its operation mode " innovation sex " , initial stage gets dispute with respect to equipment, make member pay namely after 100 thousand yuan of bail, daily finish " see ad " the task, can obtain lowest every months 4000 yuan, highest the income that spends 10 thousand yuan. Although its offer small business to enter later,be stationed in platform, threaten future can let many 100 small business appear on the market inside a year, but doubt of ceaseless and phonic acoustic quality, such commercial pattern can't sustain the earnings of high specified number of the user at all, such drill dish of mode more the Pang fraud that resembling is a model, the earnest money that uses the person that enter newly will distribute so called profit.
Money treasure net in the project later, still have equity investment. "QBII task - Thor empty sky " of the project year change interest rate to be as high as 43.6% . What investor and money treasure net sign is equity investment agreement. That is to say, once money treasure net cannot on time reimbursement, that also need not assume legal responsibility. And make equity investment, zhang Xiaolei's wishful thinking is, will borrow with QBII return newly old, the stock of empty shell company that took division of money treasure network to fall to moment investor, and Zhang Xiaolei took money.
Finance of D, elegant hall
This year on January 23, elegant hall finance releases announcement to announce to quit P2P professional work in its official net. This company announcement says, the company decides to quit P2P professional work actively since this day, hold water clear to quit a panel, those who decide satisfaction of investor of sell one's own things will be make quit plan and plan inside 3 weekday.
Subsequently, investor discloses, elegant hall finance gave out the following plan: Plan one: Before August 2018, every month cash needs returned interest, begin every month cash to wait for from September 2018 those who return amount 10% and year turn the lunar interest of 10% , finish cash to June 2019. Plan 2: Choose 50% debt to turn, the annual and affirmatory different accrual that keep a copy. Additionally 50% finish cash to June 2020, whole cash process is 30 months. Plan 3: Go bankrupt liquidation.
Most investor chose plan one. Nevertheless, 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.
How to put an end to the net that appears time and again to borrow platform to explode after all thunder?
Cannot ignore the value that penetrable type superintends. Superintend from penetrable type in light of, when according to " substantial overweight form " principle, discriminate financial business. Shuck the appearance of Internet finance, whether does the enterprise serve hypostatic economy? Whether to have actual profit pattern? Whether can gain last? These ability are core problem. "Money treasure net people " do not have actual profit pattern more, gain cannot last, rely on borrow new old still dilate; Final deficit rolls larger more, erupt in a certain bits of concentration, money is done not have on Zhang, bring about new old customer all god-given countervail.
The net borrows platform to expose another exposed issue to depend on superintending linkage sex.
In fact, the character of Internet finance decided the difficulty that apanage superintends, strengthen national Internet finance to unite it is more important to superintend. Money treasure net controlled person Zhang Xiaolei actually to get such chance namely. Be in early this year April, qian Bao already was supervised by market of region of Shanghai Yang Pu management board includes manage unusual directory, and the abode that reason registers just about perhaps manages a place to cannot be contacted. A few years ago, qian Bao ever also was included blacklist by Nanjing municipal government, much home bank and administration orgnaization also stop to cooperate to it stand side by side blacklist. Below such circumstance, zhang Xiaolei of money treasure net still opens numerous branch in countrywide each district, have to make a person thoughtful.
