Easy NET volume 20 million human evaporation virtual network Silver Walk on the edge of the law

December 21, a "net Loan Day" website launched an "Easy Network Rights Protection Fund" set up activities, 5 o'clock in the afternoon yesterday, 5 days to raise funds 93,300 yuan. They do so, from a call "excellent easy NET" network loan platform suddenly evaporate, more than 60 investors in less than 4 months time, was rolled nearly 20 million yuan. Of these victims, 5 Hangzhou people, the total loss of more than 4 million.

Can tens of millions of of the losses be recovered? What does the network loan platform rely on to attract investors? Who oversees this virtual "http://www.aliyun.com/zixun/aggregation/12319.html" > Network bank? Reporter survey found that this kind of online loans generally short time, high interest rates to attract investors, it sounds very tempting, but its potential risk is staggering, more worrying is that such a network lending platform to walk on the edge of the law, and can not even find a clear regulatory department.

Plastic Mills boss was cheated more than 1 million, before small loans have been on time to get monthly

This year's 43-Year-old Feng Hai (alias) has never thought, as an old river will be an online only 4 months of the site to cheat away more than 1 million yuan.

"I contacted this site in September this year, when this site is releasing a 20 million-second mark (journalist note: It is in a relatively short period of time to complete the target funds immediately after the resumption of principal and interest of the" "). Mr. Feng said this site is called the excellent easy net, it gathers the popular main way is "the second standard". For example, December 1 ~12 month 10th, 10 million seconds mark. If the site receives a total "investment" of more than 10 million on a limited date, investors will be able to take back their principal and the promised interest on the site immediately.

Feng Tide lives near Hangzhou automobile South Station, is a plastic steel factory boss, he is a cautious person, he carefully browsed the interface of the network, from the site itself to publicize that the parent company for Hong Kong billion Fung Group, one of its shareholders is the performance of the Zhejiang giant Hao Group. "There is a lot of cash coming in and out of the Web page, lending and lending." He felt that the platform was trustworthy and tried to invest 3000 of dollars. "About 1 weeks later, I got 3030 dollars through the net," he said. ”

Since he was able to get 2%~5% 's monthly interest on time, Mr Fung also made several similar loans, but the amount was gradually increased from 3000 yuan to 50,000, 150,000, or even 300,000. "Before the principal and interest can be quickly to the account, in addition to reach a certain amount of loan amount can be taken, the establishment of trust after I arbitrage into the next second mark, the last time I added hundreds of thousands of out of debt, but unexpectedly they ran away." ”

He said the morning of 21st, the network issued a notice that the site will be 11 o'clock to 15 power outages, all transactions will be processed after this. However, after 15 o'clock, Mr Fung found that customer service is not online, all telephones can not dial ... He did not want to say the specific amount, but confirmed that the deduction of previous interest, he was the net "set" the money to go over 1 million yuan.

In the excellent easy net trap is not only Mr Fung, information shows that there are 5 Hangzhou people in the network has been lending records, at least 4 million yuan loan has not been recovered.

Easy net suspected fraud, Nantong police have filed investigation

When a number of lenders found that the network and the person in charge, a private public welfare third party "net loan Day Eye" began to intervene. According to the Net Loan Day Eye website related Responsible person Introduction, at present a total of 64 lenders did not recover the investment money, total in 19 million yuan ~2000 million yuan.

The first lender in the Net loan day posting is the afternoon of 21st, his posts have been reprinted by many netizens, more and more lenders began to gather here, the doubts about the easy net also gradually exposed.

"I 22nd originally had a sum of 50,000 yuan to return the paragraph, did not expect 21st website to fall off." "A lender who declined to be named said she started investing in October, with over $310,000 trillion of borrowed money." When she called the police, she didn't know. Excellent easy network from Jiangsu "Nantong Excellent Electronic Technology Co., Ltd." to create, legal representative Cai, registered capital only 1 million yuan, opened this August 18. "Nantong police have confirmed that several lenders like me have reported to the police," he said. ”

The third day after the alarm, known as the network of the parent company of Hong Kong billion Fung Group issued a statement, said billion Fung's never had the so-called Nantong Excellent Electronic Technology Co., Ltd. Therefore, where nantong excellent easy Electronic Technology Co., Ltd. and all the business activities of the network, are unrelated to the billion Fung.

25th, this newspaper contacted by the excellent easy net known as the shareholder of Zhejiang Great Hao Group, the other party clearly said that the group and Nantong excellent Electronic Technology Co., Ltd. and easy network without any relationship.

From 30 to 300, the network loan platform has been exploding in 1 years.

Similar to the "Easy Net" network loan platform Peer-to-peer, also known as everyone loans, is actually the traditional private financial Internet version. It through the construction of the website, the people who need money to release information, people with spare cash to participate in the bidding, the two sides in the amount, interest rate to reach agreement, the website charge service fee (reporter note: generally for the 1%~2% of the amount of borrowing).

According to the reporter understands, the domestic earliest Peer-to-peer platform was established in the summer of 2007, and began to enter Zhejiang at the end of the year. Over the past year, similar platforms have begun to have a qualitative change in the peer-to-peer presence of individual lenders, which has catalyzed the number of Peer-to-peer platforms to soar.

"To be simple, you have the ability to develop a Web page that allows you to post messages and borrow and borrow business," he said. "Zhejiang is currently the largest number of members, but also the first network Peer-to-peer platform micro-credit network, the general manager told reporters, if you do not want to do big and strong, pure from the perspective of false speculation, there is no technical content, initial investment is very small." Because there is no specialized functional department regulation, a little mistake will not have too high policy risk.

Another 13-month-old Peer-to-peer platform Chairman also believes that, as the private financing channels to try to open up, the Internet lending market is gradually accepted by netizens. More investment companies, guarantee companies, pawn shops began to transition into, because the threshold is too low, very few people with ulterior motives see the "business opportunities." He said that last November when he planned to do a peer-to-peer project to do research, Zhejiang has about 30 similar platforms, a year later, the conservative estimate of the number has turned into more than 300. In Hangzhou alone, a similar platform is estimated to be no less than 40.

Lack of regulation, Internet loans roaming the edge of law

Securities have the SFC, the bank has the CBRC, then the operation of tens of millions of months of business volume of the network loans, who in custody?

In this case, the reporter contacted the central bank staff, the other side said the functions of central banks is macro-control, safeguarding financial security and stability and provide financial services. Because the nature of network lending is not accurate, whether it is private financing, private lending or illegal fund-raising, before the supervision must have a clear positioning. At present, such a trading platform can not be summed up in the central bank's management system.

The head of the Zhejiang Banking Regulatory Bureau also expressed the same confusion: they did not have business with the bank, nor use the bank's platform, not the bank's co-operation agency, so it is difficult to regulate. "Such as banks, trusts and other formal financial institutions have been in the strict supervision of the CBRC, whereas informal private capital lending does not involve banks, we can not conduct direct intervention management." ”

Hangzhou Municipal Public Security Bureau Network Alarm Management Center reply is also very clear: the day-to-day operation of the network loan platform does not belong to their supervision. "Network police will be responsible for specific alarm cases, but not on a company's web site day-to-day operation of the investigation and monitoring." ”

Like the private finance, the network loan business is free from the gray area of the central bank and the CBRC and other regulatory departments. It only needs to register a company in the industry and commerce, can carry on the network loan business. and industry and commerce, financial and other laws and regulations on the Network loan Access qualification, information disclosure, internal management and so did not make the request, also did not specify the specific industry competent departments.

ICBC (601398, share bar) Hangzhou Branch A senior executive told reporters that because China's credit rating system is still not sound, such intermediary companies can not be like banks to log in to the credit system to understand the borrower's credit, and to carry out effective loan management. Therefore, for the current network loans, a large number of micro-credit customer management is the main risk control management objectives. "Offline management requires a professional team, the collection, the housing must have a clear responsibility of people, and set up a special risk fund." "He believes that in order to truly effective regulation, in addition to clear functional departments, the establishment of trade associations, but also the establishment of a nationwide network lending information monitoring mechanism." "Everything is still blank. There is a market, there is demand, there is a risk, how to control is a multisectoral management with the test. ”