Begin from last year, the network that extensive type develops borrows an industry to reveal a depth gradually second problem. Since industry of each other gold developed special punish activity 2016, close down, carry show the problem platform amount such as difficulty to be achieved ceaselessly piece new tall, mixed in December 2016 the problem platform amount of the portion was as high as 110 to mix 117 respectively in January 2017. In Feburary 2017 after the portion, amount of monthly problem platform is controlled 80 times on average. But arrived September, amount of cruel thunder platform is abrupt cruel add reach 121, achieve the past one year new tall, there is no lack of among them a few trade dimensions a few, measure platform to the cardinal principle of on one billion four hundred and ten million and sixty-five thousand four hundred and eight very.
Came in August 2016 the net borrowed amount of monthly of trade problem platform to change in September 2017
The net borrowed weather eye to comb the discovery after platform of these 121 problems, in superintendency all the more strict environment falls, this one Baolei makes the same score Taichun, include a large number of small platform not only, also there is no lack of of disagreement compasses large and medium-sized platform. Evidence shows, deepen as what the industry superintends, have a bank to put a valve, obtain setting of ICP licence, country endowment to wait multiple the platform that endorse begins to show two class become divided. How the superintendency with endless get over is cold winter, win opportunity of survival, the working centre of gravity that is the P2P platform tomorrow that go a year.
September, problem platform kind shows difficulty and close down, transition to give priority to with carrying. Among them, carry show difficulty 40, include happy cast the world, Jin Dou bag, medium wisdom magic square; Close down, transition 26, the platform such as conduct financial transactions of good meeting conduct financial transactions, bag bag gold, spot is in row; Platform breaks couplet 40, include grand of cropland gold place, excessive to borrow, the company that separate gold; Bilk platform 10; Police intervening platform 5, include appropriate to cast gold to take, Hua Yinjin is taken, money adds a net to borrow, cruel is filled with net and long to borrow a net. These problem platform basically involve an area to be: Guangdong, Shandong, Shanghai, Zhejiang, Beijing, Jiangsu.
Platform runs road, break couplet, police to intervene... investor is borrowed from the net higher income was gained in the product, but coin has side of positive and negative from beginning to end, grow to go in river side, which not can wet shoe. Nowadays, a few investor not only take do not answer capital, a lot of loan invest the investor of P2P platform to be high interest and capital to pay bitter price even. The net shifts weather eye small write check several models September problem platform, the hope can cause investor vigilance, the risk is strengthened to be on guard in prospective investment.
In September problem platform statistics
Problem type:
Cruel is filled with a net to begin to be in from 2016 each big abb channel wins a customer through be being returned high, explode nowadays thunder, the price that may be channel of later period abb greatly very lasts low fan, platform becomes most abb customer chicken ribs. The capital that does not have more investor when later period throws platform, the capital after the investor of early days expires cannot redemptive, appeared serious capital catenary ruptures.
What cruel is filled with the mark of the net is main be borrowed for the car and the room is borrowed, it is 1-3 generally short mark of the month. The user posts in forum say, of the numerous mark that cruel is filled with a net for same borrower, for instance the car is borrowed, different car is same however a borrower, same piece of Id, different travel proof, still have the appearance with contract and abhorrent borrower even. What the room borrows mark also is such. On July 14, technologist committee issues security of national Internet finance " " sunshine of countrywide Internet finance plans " the 2nd quarter monitors Internet finance the circumstance reports " , because the asset such as company borrow or lend money is opaque,cruel is filled with a net be call-overed.
The operation main body that cruel is filled with a net is in triumphant develop is rich (Beijing) financial information serves limited company, legal person Li Xiaomin, the company held water in March 2015 portion, register capital 50 million yuan. According to cruel report of the operation that be filled with a net shows, 2017 the 2nd quarter, cruel is filled with a net to release 675 projects in all, pen all financing amount 303953.11 yuan, investor is close 20 thousand person, trade amount is 205 million yuan.
On September 17, beijing police is filled with a net to be suspected of be engaged in collecting money illegally with cruel the activity is investigated to its put on record.
There is a netizen to explode before this in makings wisdom exceed the time limit of magic square occurrence project, had done not have a few days of this platform to release announcement to say in official website, the boss is abrupt and those who be without omen break couplet, the company already suspended operation, police of northerly Beijing calls the police.
Platform official net shows, platform operation 429 days, register a number 73 thousand person, accumulative total investment 120 million yuan, wait for receive capital to amount to 30 million yuan.
Investor says, the book of business certificate of appreciation telecommunication business that type of wisdom demon Founder obtains Beijing communication management board to issue in June 6, become countrywide minority to acquire one of Internet finance terrace of ICP business certificate, and preserving abundant bank does capital to put a valve.
The bank puts business certificate of canal, ICP to wait is platform is added merely letter and the one portion that package, even if had these to be packed luxuriantly also the platform that not likely is safety. Accordingly, as the platform increase that gives an issue hind, these aptitude or the action that endorse also can sell at a discount greatly.
Platform of the company that separate gold when the line on October 2015, loan of issuance the first project predicts year change accrual to be as high as 77% , this lets many investor stare tongue-tied. The asset that platform releases professes is " special capital fund " , it is the bad assets that says normally actually. Bad assets does not have strict definition, it is normal to include to cannot enlist a company the asset of capital have enough to meet need, be like the receivable money that debt unit defaults for a long time, the goods and materials of dull keep long in stock that the enterprise is purchased or produces and harmful investment. Nevertheless, the line is less than a year on, platform stops to send label.
October 2016, some forum has a netizen to send a card to say, "The company that separate gold already thunder " , the occurrence exceed the time limit of many mark, carry now termless protracted. Can see from inside the project data of platform put on sale, most product is house property guaranty, investment spends the individual loan that all superintends a regulation at present more than not to get prep above 200 thousand yuan limitation. Investment of platform total accumulative total 217 million yuan, already answered fund capital 137 million, the fund that still has 80 million did not return a money. Current, platform already broke couplet.
4, exceed the time limit of project of good meeting conduct financial transactions, boss of benefit of general of road platform constant runs below line of former partner department
Be subordinate to of platform of good meeting conduct financial transactions belongs to Tianjin development of science and technology of good meeting intelligence is restricted company, joined consortium of Chinese Internet banking formally in September 2016, undertake by the bank that include business capital puts a valve. Former partner of good meeting conduct financial transactions is natural person Zhao Gang (oppose a scale 90% ) , Song Zhijie (10% ) , Changchun builds work investment to control a limited company (0% ) .
This year on August 8, countrywide industrial and commercial information inquires the system shows, this company undertook equity scale is changed, zhao Gang of former natural person, Song Zhijie, changchun builds labour to invest those who control a limited company to hold a scale change to be 0% , 80% , 20% . From now on second equity change can see, before this the biggest hold a person Zhao Gang to already was exited from inside company shareholder, current shareholder builds work investment to control a limited company for natural person Song Zhijie and Changchun. And the biggest before good meeting conduct financial transactions holding a person Zhao also just was Heng Puhui of road platform Tianjin runs below the line the boss of asset management limited company. Information of state enterprise credit is public show a system to show, benefit of Tianjin constant general is included an enterprise to manage unusual directory in.
Heng Puhui changed a name, but the destiny that still had not escaped to die. As we have learned, the type of the mark with good meeting main conduct financial transactions is " good meeting wins " , namely small lend a company or after asset management company buys corresponding creditor's rights, make over creditor's rights investor through platform, undertake counter-purchasing again, offer at the same time assure. Among them, major creditor's rights opens luck to amount to asset management limited company to offer by Tianjin. According to the announcement of platform, the project of occurrence exceed the time limit comes from this company. Come from September 17 November the middle ten days of a month, platform releases project of new capital fund no longer, this also means platform to will be shut or transition.
A few days ago, be called " grain depot is " golden all borrows platform to send announcement to say, because undertake interrogate and examine and liquidation to platform asset, partial investor account cannot be carried in time now, at present platform is being handled actively, platform already repaid partial investor principal.
At the beginning of September, golden all is borrowed released high specified number to return show sign, from original even more the earnings of 2% increases prep above the yield of 3% . Had done not have however how long, one paper is clear dish announcement comes out, let investor enter the road that counterpoises to hard thinking to go up. From platform reimbursement announcement can see, golden all borrows reimbursement time span to be as long as half an year, according to the plan returning a money that platform gives out, the plan to the front of Spring Festival of the traditional Chinese calendar returns a money for 30% . But have investor discovery, the time of the plan that return a money that the portion made in Feburary 2018 is on Feburary 11 (Saturday) , back-to-back at somebody's convenience is the Spring Festival, can see apparently, platform because have a holiday,may wait for a reason to bring about a money to cannot arrive Zhang.
