The net borrows an examination to begin immediately, double " 0 " when does platform data show true look?
Civil | Road continuous heavy rain
This year April, amount of exceed the time limit of requirement of association of Chinese Internet banking, acting countervail amount all is the platform of 0 to be checked oneself from correct, send at signing up for according to the facts before 18 o'clock on April 26. 4 months went, letter of association of Chinese Internet banking wraps around there still are 10 on the system double " 0 " platform
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10 platform " 0 exceed the time limit " " 0 acting countervail "
Two already had an accident
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End on August 27, already 118 platform disclose operation information in association of Chinese Internet banking. Notable is, the operation news that has 10 platform among them shows actually " 0 exceed the time limit " , " 0 acting countervail " . The data of exceed the time limit that additionally 108 platform disclose, acting countervail data is 0, among them rate of exceed the time limit of project of heart numerous finance is top, for 21.33% , it is the finance that nod flourish next, rate of project exceed the time limit is 13.3% .
10 " 0 exceed the time limit " " 0 acting countervail " platform
Actually, be in early late on April 25 this year, association of Chinese Internet banking (next weighing " association " ) release an announcement to say to member orgnaization, through discovery of examine and verify, the amount of exceed the time limit that partial orgnaization shows, acting countervail amount all is 0, existence doubt is like false exposure circumstance to perhaps assure oneself circumstance.
Association requirement, existence afore-mentioned double " 0 " the orgnaization that number off should be checked oneself from correct, send at signing up for according to the facts before 18 o'clock on April 26, will be like false exposure to be affected because of doubt otherwise, association will appear the orgnaization list newspaper of afore-mentioned circumstances sends relevant superintendency section.
According to " times of an ancient name for China " reported on April 26, end on Feburary 28, 2018, include to collect a spring to borrow, open Xin to borrow, in forehead of the amount of 31 orgnaizations exceed the time limit that waits inside, acting indemnity all shows treasure of be in harmony for 0. 4 months went, finance of love investment, 16 shops, open Xin to borrow, net of small cole, Jin Xin, little deposit book, now 10 platform such as nimble money still will " 0 exceed the time limit " , " 0 acting countervail " deify word, how can such not overall information exposure let investor be convinced.
To financial industry, having exceed the time limit, bad Zhang is inevitable question, but wanting exceed the time limit to lead only is normal inside reasonable range, technical measure, wind accuses the promotion of the method and cannot eliminate financial risk completely.
The personage inside course of study expresses:
The industry is relatively at present sensitive to rate of exceed the time limit, put on exposure so have fluky mentality.
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9 platform exceed the time limit passes 100 million
Liu Jin takes amount of exceed the time limit the biggest
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Letter of association of Chinese Internet banking wraps around in the system, 76 platform announce pen of amount of exceed the time limit, exceed the time limit to count for 0. In additionally 42 in, the amount of exceed the time limit that has 9 platform exceeds 100 million yuan, liu Jin takes amount of exceed the time limit most, exceed 1.3 billion yuan. From the point of number of pen of exceed the time limit, pat pat borrow pen of exceed the time limit number is maximum, exceed 710 thousand exceed the time limit.
Amount of exceed the time limit exceeds the platform of 100 million
From on the graph can see, the platform with large amount of exceed the time limit is accumulative total more the platform with leasehold large amount, the gas of platform know how things stand and feel confident of handling them with these large scale discloses information of exceed the time limit to investor. Watch the near future to appear instead problem, run Lu Qing dish platform, the news of exceed the time limit that announce lets person be convinced hard.
Had given the platform of the problem
In 118 platform, also have clear dish, run the road perhaps raises the platform that shows difficulty, the information that discloses from these problem platform looks, existence " color data " suspicion. Hundred money gold is taken (money baby-sitter) , bullion cat, Jin Lian store, Xin closes collect, always Li Baoke ability passes tripartite acting countervail, fall amount of exceed the time limit for 0, the average brushstroke acting countervail that nevertheless hundred money gold takes is as high as one billion four hundred and ten million and sixty-five thousand four hundred and eight yuan 1, the average brushstroke acting countervail of fortune heavenly body also exceeds 4 million yuan. And amount of exceed the time limit is as high as 1.3 billion yuan Liu Jin to take, have many 20 thousand exceed the time limit, average brushstroke exceed the time limit makes an appointment with 6500 yuan, pat pat borrow 710 thousand exceed the time limit, amount of exceed the time limit is 710 million yuan, average brushstroke exceed the time limit makes an appointment with 1000 yuan.
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11 acting countervail exceed 1 billion
Acting countervail of an accumulative total is as high as 60 billion
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The net borrows net of tripartite platform to borrow Tian Wei of weather eye CEO to win express:
Adopt the platform of tripartite acting countervail, include with assure the platform that company, insurance company cooperates and the platform that still using risk reserve, acting indemnity forehead can mirror platform more real operation circumstance.
tripartite acting countervail, it is the net borrows platform " decorate " a when exceed the time limit leads relatively common form. Borrower expires to did not repay, platform safety ensures measure to regard the 2nd reimbursement as origin, undertake pay for sb and expect to be repaid later to amount of exceed the time limit, the principal and interest of lender is 100% cash, do not calculate exceed the time limit.
The letter of association of each other gold wraps around the standard ever was called " history on the sternest letter wraps around standard " . But because acting indemnity forehead is belonged to blame is mandatory disclose information, most platform did not disclose this one information.
The personage expresses related association of each other gold:
Encourage pilot unit to disclose the data such as forehead of accumulative total acting indemnity and pen number actively.
Forehead of accumulative total acting indemnity exceeds the platform of 1 billion
Current, the home that the net that investor can consult borrows platform of tripartite data to association of Chinese Internet banking, net is borrowed, net borrows finance and economics of weather eye, 0 one to wait.
Many personage inside course of study expresses:
The data that association of each other gold discloses is given priority to with platform fill in a form and submit it to the leadership, cannot undertake examine and verify to the authenticity of all data, but also express south road of chief inspector of academy of gunny-bag conduct financial transactions,
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Note:
Data originates association of Chinese Internet banking
Date of expiration is between 2018 on August 27
Add:
118 platform letter wraps around data (click can examine big picture)
