P2P platform Rong Bao boss ran the road

Xiao Feng reporter

Following the net Campbell, Beijing another P2P platform unscrupulous boss "lost touch." Recently, the "Investment Express" reporter was informed that a company called Beijing Rongxinbao International Investment Management Co., Ltd. (hereinafter referred to as Rongxinbao) legal representative Mu Hainan "loses contact." Many people in the industry said that the birth of a large number of good and bad arena is also the accumulation of risk, the next platform may also appear on foot. However, the opinions from the regulators think the P2P platform should be an information service platform. Such intermediaries should be licensed. If there is no license, there will be other problems.

Rong Bao boss ran 80 million customers bleaching

"I was aware of this company when shopping in Tongzhou Guiyou Building, they put publicity stalls at the door. Around May last year, I invested tens of thousands of dollars there, are short-term, and finally stable out, so Recommended to my friend is also here to do, and then I have invested more than 300,000 yuan a year, has not expired, and my friend did not give due due, I realized that the company had an accident. A man named Li Ran (a pseudonym) tells a media reporter.

Li Ran said that employees of Rongxinbao can currently contact them. Initially, they said that the boss (Muhai Nan) said the fund is a little small, waiting for investors to wait until May 20 and later said June 8 Day boss came back to deal with the matter, until the expiration of the result, the boss has not come back, some investors on the alarm. At present, the number of investors in the statistics is about 600, with a loss of about 80 million yuan. Some investors went to Rongxinbao Company and found that they had closed their doors.

One investor who used to be a financial letter builder also pointed out that most salespeople cast their money in Rongbao, mainly because the company was established more than two years ago. Everyone is trustworthy and brings relatives and friends together. To do the investment, and some investment in the salesman suffered more than the average customer.

"Investment Express," the reporter found that at present, financial letter Bao's web page can also log in. However, when a reporter dials a customer service number, the service number is not displayed, and the online customer service also shows that the service is not online.

A few days ago, Shenzhen, a network loan platform called "Branch News Network" also appeared in the page can not access, customer service calls are unreasonable, the person in charge of losing contact situation. On June 19, the media released the "China P2P P2P Lending Services Industry White Paper (2014)" (the "White Paper"): The risks of the P2P lending industry in 2013 have been exposed to some extent. In 2014, the industry risk will continue to increase, the number of issue platforms is likely to hit a new high.

According to statistics, by the year 2012, the total number of P2P lending platforms collapsed was about 20, while in one year of 2013, the number of problem platforms exceeded 3 times of the total number of closed down platforms to 70, of which 2013 In November the issue of more concentrated platform outbreak period, a single month there are up to 41 serious problems platform.

The White Paper also said that "some platforms unilaterally seek excess returns and rapidly expand their trading volume, neglect operational risk and credit risk, resulting in rapid accumulation of risk, unsustainable ultra-high interest rates and ultimately disruption of the capital chain."

"Licensed management" or "filing system"? The former gradually became the mainstream opinion of the regulator

In this regard, a P2P agency to the "Investment Express" reporter "worried about" said, "P2P frequent incidents, is bound to cause serious regulatory supervisors, the CBRC has been active and P2P agencies to communicate recently held In addition to the four red lines, the forum also discussed how to define illegal fund-raising and illegal storage and how specific models are treated. At the same time, it also listened to what the insiders did and what they did about the industry Opinions on development. "

It is understood that at present, there are mainly two opinions on the regulatory framework for the online banking industry: one that licenses should be issued and the other that a filing system should be adopted.

However, the reporter of Investment Bulletin observed that at the recent financial innovation forum of People's Network, Wang Yan-xiu, director of innovation supervision of China Banking Regulatory Commission once again pointed out clearly: "One row, three chambers are Actively formulate the preparation of Internet finance related laws and regulations, the future should be the appropriate norms.With these laws and regulations, to comply with, there is no need to comply with similar laws and regulations.Online and offline business to be consistent, there must be a clear Internet finance Business boundaries and borders, not Internet finance, can do anything. "

When it comes to licensed businesses, many professionals in the industry, especially those without a background in state-owned assets, are obviously less willing to face the situation of "operating a license." Wing Lung loan chairman Wang Sicong pointed out that for the network of credit platform, nothing more than a registration system, one is a license system, no matter what the form of return to intermediaries. The license management has been the best period of P2P regulation, and now hundreds of national platforms, thousands of local platforms, and transaction volumes are in the hundreds of millions of dollars, if the license to operate these platforms is difficult to do.

Wang Bo, chief investment officer, believes that licensing is a good thing, but it is less likely that a license will be issued and the possibility of formulating an industry code and a guideline is even greater.

E micro-loan CEO Lu Langtao also said that the possibility of a licensed business is not high, but the P2P industry for "regulation", and now the industry standard, leading to uneven quality of industry participants. From the current P2P business patterns, including information intermediaries and credit intermediaries, these two should be classified from the perspective of behavior regulation, P2P is an innovative financial format, the current volume is small, regulators should be given appropriate tolerance, with Licensing can only leave a few giants in the end, is not conducive to innovation and development of the industry.

A large number of platform will disappear in the coming year or two in the knockout stage

P2P industry in 2014 is expected to be out of the regulatory vacuum, but the establishment of the regulatory regime will impact the existing industry structure. The introduction of regulatory details at the end of 2015 means that 2015 will be a major year for the P2P industry. In 2015, only 10% of the P2P platforms that the industry is expected to survive will be left with between 100 and 200 or even below 100.

Recently, the clap loan CEO Zhang Jun told reporters that 95% of P2P companies will die in the future, 70% will be out of regulation under regulatory pressure, 20% will be eliminated due to its own mechanism.

From the positioning point of view, the current P2P intermediary to do very little information platform, financial regulation, about 80% of the platform side of the funds are "self-financing" and the third payment company hosting, there may be only a small number of platforms can be managed to the bank Changes in capital direction, can not be transformed platform will be cleared due to irregularities after the promulgation of regulatory measures.

With the threshold of the clear, the current spend tens of thousands of yuan to buy a P2P website system will be able to operate the phenomenon no longer exists.

Analysts believe that as the regulatory toughening, the polarization will be more obvious, running tide and the collapse of the tide, the market funds will be brought together to the mainstream platform, after 2015, if not in the form of a major innovation platform, early into the platform I am afraid it is difficult to get a big cake.