Guaranteed running, P2P, you actually do not make?

Text / Xu Guoyun

In the economic "run way", with the political "double track" in general, each jumped out, are Sensen to stimulate everyone's sensitive nerves, in addition to gaining the headlines, or after-hours gossip, while the security company's run Road, it is to criticize the p2p, knees in the arrow, and then negative scars, then the clay Buddha to cross the river, but also what trick?

Last week, Huitong Credit Guarantee Co., Ltd., one of the leading privately-funded financing guarantee agencies in Sichuan, was lied out of line with the collective dismissal of members of the board of directors outside the legal representative Sun Kang.

First, the guaranteed run, P2P, you actually do not make?

July 10, according to the network credit day eye forum news, one of Sichuan private financing guarantee leader Huitong Credit Guarantee Co., Ltd., was passed away from the board of directors outside the legal representative of Sun Kang collective contact, suspected to run.

This guarantee the company ran the road, with the nephew to the uncle's home, uncle went home and found the nephew disappeared the same way with the Huitong communications associated p2p companies are anxious, the most anxious is the silver guest network, Fly directly to this "lost" nephew.

However, the silver guest network sent back from the front of the call is: Huitong Financing did not run. After understanding, Huitong financial burden on some senior officials do involve the relevant economic and legal issues. The legal person of Huitong Credit Financing Co., Ltd. has filed a report with the local financial bureau.

Do you mean that this is not a kid? However, some senior officials involved in economic and legal issues, but also the members of the board of directors in addition to the legal representative of the loss of contact, in any case, will be unerringly pressure investors vulnerable fragile.

Second, the rights of creditors, Qiu Ju, are you going to fight a lawsuit?

Nevertheless, but Huitong credit was exposed, the Tianfu people quit, the scene picture is the chairman of the board office, manager's office, office area, the front desk were empty.

On July 8, hundreds of creditors gathered at Huitong Secured Office at No. 1 Aerospace Road, Wuhou District, and found that Huitong guarantees not only top-level but also staff including staff, all of whom went empty .

At present, we are still at the first step. If we really run or suspect running, we can only report to the Economic Investigation Department first. Then we may be able to defend our rights in litigation.

If you come to this step of litigation, depends on the loss of each creditor is how much, in terms of the security company, the office has gone empty, only to check its accounts.

As of May 31 of this year, the current balance of Huitong's credit guarantee, bank financial institutions financing guarantee amounting to 4.020 billion yuan, non-bank financial institutions financing guarantee amounting to 434 million yuan, with a total balance of 46.28 billion yuan, Microcredit company guarantee amount does not have statistics.

Third, the guaranteed runway crushed who last straw

In fact, the birth of p2p, the voice of running the road will never be heard, this month, Beijing P2P platform melt letter boss lost contact, the conservative figure is 80 million customer assets hit.

By the end of June this year, Wu Hong, a private entrepreneur and CPPCC member in Nanjing Luhe District, apologized for his way of committing suicide. At the end of 2013, Xinxin Guarantee Group, the largest privately-owned guarantee company in Nanjing, was running out of funds. It is one of the entrepreneurs involved.

At the beginning of July this year, Xia Long Long, a legal representative of Long Run County Pengrun Financing Guarantee Company (hereinafter referred to as "Peng Run Guarantee"), disappeared and thousands of creditors lost their profits.

In addition, including Qianshan County in Anhui Province and Changle City in Fuzhou, counties and cities in the country have plunged into the shadow of hundreds of millions of yuan in guarantee companies.

Therefore, the guarantee company's runway, crushed more than just the loss of investors, but also part of the investors who are still vulnerable to embark on a return.

Fourth, "100% principal and interest protection", what exactly is playing smoke screen?

Back to every platform we know p2p, we have not been enough to set off its veil, to see its proud face, we are all "100% of the principal and interest protection," which is similar to the "chastity pants" the same Promised to attract.

If you still remember the express provisions of the CBRC on wealth management products, you should be sufficiently cautioned about this issue. Just imagine that even the bank's wealth management products and the CBRC do not allow banks to make any promises about the protection of principal and interest. On the commitment, how do you easily believe it?

There is also a core word, "safeguards," that does not teach you to play word games, but rather the two legal concepts of "guarantee", guaranty, or guarantee, of entirely different orders of magnitude.

Whether it is "guarantee" or "guarantee" is a legal term, the meaning behind it is not only "the gentleman can not follow the example of", but also means that even a villain, as long as you say "guarantee" "Guarantee", you must assume "responsibility."

And "security" it? "We want to protect everyone happy life", such a slogan, you listen to it, do not go too far.

Fifth, third-party security, you need to distinguish between responsibilities

If you are really p2p secured, as their favorite little apple, then, in the end should not believe in security? Letter of guarantee, can it be eternal life?

The easiest way to differentiate this guarantee from the guarantee is to look at the registered capital of the guarantee company, the background of the shareholders behind it, including the balance of the guarantee company, the balance of the loan, the type of bank , Non-bank category, but also look at the small loan company.

On the other hand to the core distinction is that the guarantee company in the end what is our responsibility? General warranty or joint and several liability? Limited liability or unlimited liability?

If it is a general guarantee responsibility, it means that in the event of default by the borrower, the guarantee company will only pay if the borrower is completely insolvent and the borrower is not completely insolvent Investors have the final say, if the case of borrowers is "Lao Lai" or can not find the borrower, the guarantee company will not pay.

However, if it is jointly and severally liable for guarantee, such third-party guarantee is relatively reliable, with guarantee means that in the event of a loan overdue or breach of contract, whether or not to find the borrower, the guarantee company must first pay, the guarantee company paid out Find borrowers to pay.

Infinite and limited, it means that you are only given your own registered capital to assume the responsibility of security, or if the borrower runs, the guarantee company will sell its own pot to own the bottom of your pocket to give you back the money first.

Sixth, third-party security, you also need to distinguish who is Paul

In addition to the need to distinguish between the warranty obligations undertaken by the guarantee company, you also need to make a clear distinction as to who is providing the guarantee.

Generally speaking, the guarantee company has two kinds of difference between a financing guarantee company and a non-financing guarantee. If it is a financing guarantee, it will provide a guarantee for the borrower's loan. If it is non-financing, Guarantee, etc., for the purpose of compliance with the security business.

So, in the promiscuous promiscuity, or to distinguish the guarantor company in the end can do what type of guaranty.

In addition, there is a very crucial point is that part of p2p platform to do their own guarantees or affiliates, the surface looks p2p platform in this guarantee it, it is not true, once the p2p platform running, we even have a Straw wool pocket can not catch.

Seven, guaranteed p2p, really your favorite little apple?

So, in the end or not a third party warranty?

Although the voice to be secured has been endless, the sound is also frequently released Fangfang, p2p can only be a pure information intermediary, their platform can not provide security.

However, in view of the maturity of the market and the rationality of investors, there is no guarantee. It is even more detrimental to the industry or the people in this market. It is undoubtedly a matter of even more investment without endorsement Big risk.

However, if the platform provides the guarantee, the risk must all be gathered in the platform itself. From the experience of the United States, when the risk comes, the platform-type P2P network loan can be "safe-haven". As a result, the U.S. Prosper was suspended for one year and the SEC reviewed the operational risks of its entire platform. And later changed to platform mode, let it open again.

So, p2p secured, in the end is not your favorite "little apple", but also depends on how much love you love this platform, if true love, then, even if the way out, you are willing to join it , Because in your opinion, this may be a romantic "elopement."