Present net shifts an industry, lei Chao has gone it seems that, but thunder still exists. On September 19 afternoon, p2P platform money is great release dish of announcement clear to express: Suspend relevant business operation since the day that this announcement releases, reservation website and APP are safeguarded normally, release new product no longer, increase portfolio newly no longer, stop to invite good friend, integral to change wait for a function. Account of electron of lender Jiangxi bank is existing stand sentry amount can be carried normally now, carry show a function normal open. That what reason brings about money great Qing Dynasty dish, how should investor do?
[money is great circumstance]
1, money is great setting
Money is great went up formally on October 8, 2013 line, operation main body gets the better of financial information to serve Inc. for Shanghai brilliance of the rising sun, register fund 110 million yuan, real pay capital 110 million yuan, was in Shanghai in December 2014 equity is mandatory trade central E board hang out one's shingle. Shanghai brilliance of the rising sun gets the better of financial information to serve Inc. large stockholder is Chen Zhenghao, oppose a scale 41.76% , major issue said to calculate by him, specific equity structure is as follows:
Money is additionally great also had had financing experience, casting those representing capital is abundant true capital and group of big unripe agriculture, and the troublesome thing with the most intimate circle of big unripe agriculture is not little, explain this investment also just does not rely on chart.
2, business is suspected of from be in harmony
What great official net shows fund now is credit is borrowed and the car is borrowed, but its ever stake room is borrowed, big mark is flush, the amount of mark has 80 million greatly to control, small also 1000 arrive 20 million, this has been violated apparently compasses;
And money is great be suspected of be being mixed from be in harmony give a letter above quota, leave mark of this Shandong workshop for instance, area 10 thousand much square, market prise is so-called have 300 million, every square calculates come down to want 30 thousand, this thinks also is impossible, because of Qingdao house property all valence also was not counted this more than!
Through inquiry, this workshop is in jujube village city actually guard of bank of north of hill booth area, this place still is included finance difficulty county, the 3000-5000 of limits of reasonable appraised price of workshop every square metre, actual total market prise has 30 million to arrive only 50 million.
Why should that give a letter above quota? Because be oneself person! Of this workshop attributive just be limited company of development of production of Shandong Dong Yi food, setting is the limited company of financing of Shanghai Yi He Xusheng that rent, see " Xu Sheng " two words understood, because of money great operation company is Shanghai information of Xu Shengjin be in harmony serves Inc. , and the partner of Yi He Xusheng is money is great those representing capital of B annulus be in harmony lays agricultural group greatly!
3, operation data
Data shows, money is great wait for close have 1.8 billion, this number slants big, wait for receive investor to count 12 thousand, loan of average per capita exceeds 100 thousand, do not accord with small and dispersive principle; The term of mark is too short, exceeding 40% is 0-3 month bid, liquidity risk very greatly, loan large family is highest have 58.4 million, violate badly compasses.
[explode because Lei Yuan is summed up]
Money explodes greatly Lei Yuan because, summary comes down to have at 3 o'clock:
1, capital is poured out of
As a result of the reason of big environment, capital is poured out of be more than capital to flow into apparently, and this kind of circumstance has kept very long period of time, capital catenary is in insalubrious condition all the time;
2, the room shifts business
The pony reads money to think the room borrows business not to suit P2p, because project of high grade real-estate gives off very high interest rate impossibly, otherwise borrower does not work for certain, but the interest cost of lender increases platform operation cost very tall, also want at least hundred, do not have a law to do so;
3, operation cost is extremely high
Great and so-called network lends money of the bound amount to a person, if you always pay close attention to a net to borrow a word, believe you know this net borrows platform certainly, because its advertisement is almost all-around,without blind angle 360 degrees are enclothed, because of its flexible language follow closely every net borrows incident; Not only such, money is great the money that still spent 7 digit word is only take next website domain name, the operation cost with so great money is extremely high.
[Lei Tai is qualitative]
Overall for, qianduoduoben body actual strength is not strong, operation cost is very high, be suspected of again from be in harmony, explode thunder unavoidable. But run the probability of the road is not big, because platform has capital to pour out of all the time since Lei Chao, demonstrative platform has real capital fund and did not transfer, additionally platform still establishs lender congress, main member has the 4th to cast appoint conference member, committee member is recommended, big lender.
So, big investor should use this opportunity, check the real assets of the company, discuss a sound cash plan with platform, safeguard oneself rights and interests.
