What just handed in place to ring a bell in button on November 15 is small borrow a net, day of open quotation head was not greeted soare, drop all the way in morrow open quotation however, two hours namely dish in broken hair, lowest comes 9.75 dollars, final with 10 dollars closing quotation.
In fact, from August 10 small borrow a net to refer book of raise capital by floating shares, after coming 97 days eventually IPO dimensions " cutting sb in two at the waist " appear on the market, the doubt sound of the market never discontinuous. And from appear on the market only in light of the record of 24 hours of broken hair, the market to small borrow a net to appear to be not valued.
2018, the posture of industry of whole Internet banking is not hopeful, even if is the big boss inside all sorts of course of study also fails to break drop quickly after the US stock appears on the market, the demon cuss of broken hair. Superintendency policy of together with country is rigid with each passing day, the outstanding achievement of company of gold of major each other and layout also contract in sluggish alleviation.
Interfacial news collects those who liquidated company of gold of each other of partial US stock to appear on the market expression, up to the United States east time on November 16 closing quotation, except small there are 7 to drop in lending 10 companies beyond the net broken release price.
Below the case that leaves defeat continuously in share price, interesting already inn, pat pat lend company of gold of each other of US stock of home waiting for number urgent counter-purchase equity with great quantity.
On November 15, because superintend a requirement to leave the country and cannot be kissed to hand in the small author borrowing a net of place to hold CEO Yao Hong concurrently toward button by limitation, removed the stand that ring a bell Hangzhou door mouth. He expresses excitedly in video living broadcast to investor: "Appear on the market to not be financing, right small borrowing a net is one begins only. Right small borrowing a net is one begins only..
The 2nd day of open quotation two hours, the small share price that borrow a net drops defeated 10 dollars to release price. To this, the market invests a personage to express to interfacial news, "Not accident " .
Battalion closes encounter cold
Small borrow a net advocate the P2P business that battalion leasehold borrow with cash and car guaranty gives priority to. Up to on September 30, 2018, did not repay loan amount is 20.4 billion yuan of RMBs (add up to 3.1 billion dollar about) , than June when end 22.1 billion yuan decrease adjacent 8% . Platform investor amount also from June the 373 thousand person of end glides to 226 thousand, decrease near 40% .
Profit respect, begin from 2018, growth of the small business that borrow a net puts delay apparently. Compared 2017 2016, profit of net of the small implementation that borrow a net grows more than 63% , and compared first half of the year 2018 2017 the corresponding period, net profit reachs 307 million yuan from 268 million yuan of growth only, amplitude coast evens more only 14% .
Book of raise capital by floating shares shows, small the car that shifts a net assures the principal amount of loan is in commonly 30 thousand to 200 thousand yuan of RMBs between, lease differs to 36 months from a month, annual interest is led from 20% to 36% differ.
20%-36% , it is small borrow a net to be to the loan interest rate after add up to rule requirement to draw close and be being reduced.
Superintend red line to make the charge such as accrual of exceed the time limit does not exceed, small borrowed a net to reduce exceed the time limit to collect fees, other income falls from 152.9 million yuan of RMBs 2017 2018 105 million yuan of RMBs of the corresponding period, fall panel height is amounted to 31.3% .
Asset side, small borrow a net overall exceed the time limit is led up to end was in September 4.57% , than June end rises 1.25 percent, among them M2, M3 is as high as 0.88% with 2.18% .
Manage what run paralell with the profit of coast with the business of sluggish delay, it is small the cost expense that borrows net high specified number.
Finish from 2017 " inn of the door below 500 lines " outspread plan, small the cost expenditure that shifts a net also broke up one time than 2016 2017, reach 2.48 billion yuan by 1.24 billion yuan of increase sharply. After even if is a purpose with having the market in mad dilate, small borrow a net to already joined compasses and operation venture tremendously via realizing, begin to close partial door store this year, change join in for straight battalion mode, up to 2018 first half of the year, the cost of platform also had achieved 1.25 billion yuan.
A few days ago, ever personnel of many small business that borrow a net expresses to interfacial news, begin from 2018, sale of company headquarters raise the quota assesses index, but the business difficulty that finish is tremendous.
The car borrows platform between environment of intense competition, market suddenly cold and the ceaseless hasten that superintendency layer adds up to rule requirement is close, make small although from 2017 sale and sale cost 72.1 million yuan in year raise,borrow a net 46% to 2018 105 million yuan of the corresponding period, also fail to turn round the business that ebbs gradually to manage a case.
Set leave his post now upsurge
Make public information to show, yao Hong serves as small borrow a net in 10 large stockholder exclusive partner of a natural person, hold is small borrow a net 53.6% share, have the voting right of 83.6% .
Other the legal person partner that 9 partner all are civilian battalion company. Limited company of service of banking of bless of Chinese vessel eaves holds the wholy-owned subsidiary Zhejiang below division of group of bless of Chinese vessel eaves a scale 15.2% , rank the 2nd, have the voting right of 4.7% . Guo Chengjin be in harmony accuses a group Inc. to pass its wholy-owned hold of limited company of investment of the sea before accusing country of share company Shenzhen to fill is small borrow a net the equity of 2% , for the 5th large stockholder. Limited company of investment of the sea before Shenzhen country is filled runs interesting store group at present the equity of 5% .
Small the first-run investment that shifts a net was finished 2014, by Han Dingyu bless group and royal investment undertake A annulus financing; Achieved Chinese vessel share 2015 financing of 150 million yuan of B annulus; 2016, small borrow a net to finish Jia Yuji gold to get the financing of 1 billion yuan of C annulus that cast.
Before this, when accepting interfacial news special report, yao Hong ever was denied to the reporter, go to the United States to appear on the market the plan has nothing to do inchoate investor is exited set show demand.
However, begin from 2015, exit from inside the small investment that borrow a net namely grandly. Chen Mingfeng ever represented royal capital partner publicly, investment is small 2014 borrow a net, exit earned 15 times.
In addition, on October 30, bless of Chinese vessel eaves announces with 170 million make over small borrow a net the equity of 2% . 31 days, again announcement is made over with the price of 127.5 million small borrow a net 1.5% equity.
Many Ceng Zaiwei borrows the personage that the net works to express to interfacial news, platform management state rises from this year bear pressure heavier, outstanding achievement cannot be finished at all. "Begin this year, business index suddenly from a quarter 300 thousand adjust two months 300 thousand, the sale is very hard, " the circumstance that speaks of old stuff leaving his post again and again, what just leave his post by October is small the employee before borrowing a net says, "Outstanding achievement cannot be finished, do not agree with the culture of the company and administrative pattern, stay trashy also. Stay trashy also..
The personage inside course of study discloses: "Small the staff of a lot of marketing that lends a net to be in Jiangsu and Guangzhou area can have been done without business, turn go doing urge close. Turn go doing urge close..
Complain lawsuit more than
Yao Hong ever expressed to interfacial news, oneself are to do urge accept one's previous experience or occupation, to how essence of life is applied definitely to borrower pressure very intentional, and " car is better search, good control " .
And the user is urged to the small force that borrow a net close, cover a road to borrow, behead of high specified number ceases complain never had stopped.
In get together complain platform to go up, small borrow what the net sends high because of its for many times to complain frequency and extremely low settlement a list of names posted up on rate. The cash below the banner borrows a product " micron is borrowed " urge close repeatedly experience phone is annoyed, menace threatens, divulge information, forge the problem such as legal file.
And also can see in net of Chinese judge copy clerk, small borrow a net for many times experience criminal contentious case, ever employee participates in credit card bilk, because leasehold dispute beats up borrower,come flesh wound.
Small borrow a net to be differred except benefit beyond, in borrower upright collection seeks advice from cost (head period reimbursement is one-time collection) 3% , operation administration fee + accrual (month) information of 0.7%-0.9% , platform is expended (month) 0.72%-0.91% ; Collection accrual administration fee is carried in lender (*6% of the accrual that return a money) , creditor's rights is made over poundage and carry show poundage (the more than 3 collection after the pen) . In addition, small borrow a net even the charge such as collection GPS installation.
Interfacial news discovers, brushstroke 30 thousand yuan car guaranty borrows money, dig goes all " behead " charge, in one's hand only 25 thousand is control.
And Yao Hong ever expressed to interfacial news, the company already began from this year " not any services expend collection " .
The case is borrowed in a road that police reports in, small borrow a net to ever also was call-overed for many times.
The personage inside course of study expresses to interfacial news, the net borrows platform to strive for appear on the market opportunity, extend financing channel to alleviate through appearing on the market on one hand liquidity risk, also offer for original partner exit a passageway; Appear on the market to be considered as to be platform to endorse on one hand additionally add a letter, approbate in order to win more investor, borrow this to have sale.
Controller of some platform of each other gold discloses, platform capital flows to worsening, if did not go to the United States to appear on the market " profit is good " attract more investor fund to enter, platform will be immersed in management predicament very quickly. "Going to the United States to appear on the market besides platform of gold of individual head each other is to plan to taking the advantage of an industry queasy enlarge oneself market share, platform of gold of most each other considers above all, still live problem. Still live problem..
