Original title: P2P net loan industry boss running, staff reports and other drama continue to appear, where is the problem? Integrity Construction
The central broadcasting and television station's central broadcasting China's voice "integrity building 10000 miles" theme series continues today.
"Boss running, staff report, why is P2P net lending industry so chaotic? "
Recently, the P2P net loan industry is ushering in a new round of major adjustment. The boss is running on the road, the staff report and so on, from the unknown small platform to the more than 100 billion scale of the net loan agencies; from the investors of the platform to the borrower of the loan platform, the whole circle has been in trouble. So, where is the problem? Where should the whole industry go?
More than 200 platforms "accident" in a month
More than 40 billion yuan of funds
According to media statistics, the online lending industry has been experiencing problems since June, reaching a climax in July. More than 200 platforms have gone wrong in the first 25 days. Some owners run on the road, and some have difficulties. In July 18th, Shanghai's Fortune Cat platform announced that the platform business had to be suspended because of the overdue cooperation of many assets, which affected the normal operation of the platform. But they promised "no running, no loss."
But behind the promise is the Xue Liang control of the actual controller of the Shanghai police who will try to run the road. At present, the users of the rich cat are anxiously expecting the platform to give them a statement. Investor MS ho told reporters that she now has about 400000 unable to withdraw cash.
Mrs. Ho: I accidentally searched the Internet. Because at that time P2P thunderstorm is also quite a lot, but later is that a part of the enterprise is supported by the state, and then it has legal qualifications, and its reputation is very good, I this two days in the preparation of materials, and then to Shanghai, to the police to report, how to say it, very distressing to the people, Because after all, we have accumulated so much in our lives that we want to improve our lives.
The platform for problem solving is also not optimistic. P2P, who recently appeared to have problems, announced a return plan, but it never explained where the money went.
Investor Xiao Li: He asked us questions before he made the proposal. We asked 36 questions altogether, and then the plan came out immediately. We wanted him to answer where the money had gone, but he said it would be made public if needed, but it hasn't been made public so far.
When the repayment plan was announced, investors were not happy. They found that they could not get much money, and even had to pay it back through debt-to-equity swaps. Xiaoli questioned, the platform has been poured out, and what is the significance of this share?
The first 50% requirements for November only cash, only to cash 50% of 1%, that is, investment one million, according to the base of 50 million, the first can only return to 1%, that is, 5000 yuan. The latter 50% required payment in three years, not cash, but a shareholding system, in case he lost money.
For most platforms, it is only a dream to get the principal back in full, and it is hard to cash in. More platform investors are even facing the outcome that may be lost. Data from the Internet Loan House show that since 2018, 236 P2P lending platforms have experienced cash difficulties, liquidation, the actual control of the runway and other risk events. In the first half of July, the P2P risk event involved a principal repayment of more than 40 billion yuan.
Net loan industry standard is not in place
Violence is a mess.
Ye Daqing, vice president of Zhongguancun Internet Finance Association, sorted out that there are three main types of online lending platforms for recent risk incidents.
Ye Daqing: the number of platforms in this type of platform accounts for about 80% of the unregulated behavior such as self finance, false mark, current time, capital pool and so on. These platforms can not actually be considered as true compliance P 2 P or false P 2 P. The second type of problem platforms account for about 10% of the total. These platforms have weak risk control capabilities on the loan side or the asset side. In the third category, their problems are mainly called term mismatches, and there have been some liquidity crises recently due to the withdrawal of investors.
And why did these three situations come together in the 6 and July time points? Guo Tianyong, director of the research center of the Chinese banking industry at Central University of Finance and Economics, believes that the industry norms of net loans in the past few years are not completely in place, and one of the reasons for the exposure of more problem platforms has been made in succession.
Guo Tianyong: the net loan market these years do exist some basic, supervision and industry control itself is not in place, so a large number of platforms are constantly emerging, but a long time will inevitably have a part of the platform out of the problem.
In the current environment, more and more borrowers take the initiative to overdue, and even the maliciously incited investors to incite investors to expire the payment, but also lead to the spread of violence. Students who use the 704 school loan have encountered the dilemma of "paying back and not recognizing". In accordance with the provisions of the loan, the students will be repaid by the part-time job provided by the platform. However, the students reflect that the part-time job on the platform is less and less, and the loans are facing the problems that have not yet finished. Some students said that they had finished the loan, but the platform did not record, and they still urged money through telephone, door-to-door and so on.
Mr. Huang: All the repayments have been made, but there are no records there. Then they will call us and tell us we haven't finished. There are some overdue dates. Then I said I had done it, and then they said that the backstage registration was incorrect, and there was no phone call until I received the court summons.
In addition to the court summons, some students were also threatened by personal threats, debt collection companies kept calling them, and even began to threaten personal:
He told me today that he would pay more than 3000, and tomorrow he would be more than 4000. Then he threatened us with letters in the beginning, and then he said he wanted to come to the school to find us, to say that we would be a personal threat, to say what he was in the underworld, to know a lot of people to know where we live, and to send all our ID cards to our school. Go up.
In addition to the parties, the debt collection company even obtained the debtor's address book through APP, one by one according to the address book phone harassment, people can not afford to be disturbed. Mr. Huang in Shandong has received a lot of harassment messages because of his friends' debts.
Mr. Huang: just send text messages, what kind of birth, death, and so on, curse you next year, the name of my friend's name, number do not know, every time change, you look at this short message, pretty nauseous.
Looking forward to national supervision and licensing
Scavenging "inner ghosts" in the industry
The money borrowed by the creditor is not back to worry, the debtor also has the money to be depressed, the unrelated people because of the debt "lying in the gun", the recent P2P net loan industry?
The Guangzhou ritual wealth, which was recently referred to by the boss, once led into various associations with layers of halo, rating agency a, and led a sudden run on the road in July of this year. Fang Song, president of Guangzhou Internet Finance Association, who is familiar with the situation, told reporters that not only the investors, but also the employees of Lide Company were deceived.
Fang Song: they are the boss of the company. Their employees were in, executives, finance, and wind control. All these people were in, and they put in about ten million of them themselves, and the most invested departments I asked were the finance department and the wind control department. There was no sign of it, and it ran away.
According to Fang, the P2P model has been a long time since its popularity, but the national regulation and licensing have been "wolves", and several times have not been seen. During this period, rectification was not in place and no rectification was taken advantage of, and the violation of P2P became more and more crazy.
This groping process is a bit long to tell the truth, but also caused a lack of confidence, especially in this wave, the blow is still very big. In fact, there is a general consensus that if qualified, or to go to the record, or approval, so that the entire industry can see the example.
In the industry, there are many enterprises looking forward to the arrival of supervision, the general manager of orange finance told reporters that the supervision of the honest and trustworthy enterprises can be evidence-based, so that the industry in the current Li Gui.
Bow Chen: some of them are not real P2P, but Ponzi schemes. Their tendency to borrow is uncertain, and the loan contract is opaque. Others may be relatively small platforms with less experience in wind control and operation. I think this is a process of continuous purification of the whole industry and the drive of "bad money" being expelled. As our regulatory objectives and norms continue to be clear, the specific details of regulation are constantly clear, I believe the industry as a whole compliance platform will become increasingly prominent.
Editor in responsibility: Zhang Di
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