Investor woes: A more likely platform for Shameless

Absrtact: After the risk, some investors more and more feel that the road is difficult, and the pain and other funds, it is better to find a way to their own money. They start the sale of bonds] NET loan platform fraud cases you must have heard, but this is only the ⅰ of the risk of net loan

After the risk, some investors increasingly feel that the road is difficult, and the pain and other funds, it is better to find their own way to return money. They started the sale of bonds]

Network Loan Platform Fraud cases you must have heard, but this is only the Ⅰ era of network loan risk, and has now entered the network loan risk Ⅱ era. Some of the operating risk of the network loan platform began to take no running, slow repayment method. Investors a joy, at least the platform did not run, there is a glimmer of hope, two fear, when their own money to enter their own pockets Ah!

A network loan industry insiders told the first financial daily newspaper "financial quotient": This situation may be more and more, in the net loan industry further norms or access threshold before the establishment, it will be investors and the industry to face the "pain."

NET loan platform Shameless: Don't run, slow repayment

Mike is an old investor in online lending, and Mike has become accustomed to the "people in bed, money in the net loan, people to travel, money to make money" of the net loan life. Recently, in order to diversify his investment, he chose some of the net-loan platform to invest in the warehouse. Mike invested 75,000 Yuan in a website called the non-prudential loan. First contact with the platform, Mike only took a small amount of money to test water, and only a one-month loan target.

But let Mike never think of IS, in these one months, not sincere loans in a contingency triggered by risk exposure. The reason is that a person claiming to be a network loan platform customer service on the network exposure of its network loan platform for a number of insider. Smart netizens immediately look for IP to determine the explosion of the person's IP address belongs to Zhejiang Shaoxing, and Shaoxing only a network loan platform, is not sincere do not lend. So investors immediately linked to the net credit platform is not sincere don't borrow, have to draw away funds. Immediately thereafter, do not borrow in a completely accidental or even unconfirmed events under the ravages of a run, unexpectedly announced their own capital chain break, and with the previous network loan platform fraud escape situation is completely different, not sincere not to loan the boss Cai Fu issued a statement said he would never run away, And says he is trying to pay back through a variety of measures.

This is the second type of risk: there are problems with the platform, the boss does not run, but you never know when the boss will be able to pay off your money.

Non-prudential do not lend out the incident was born May 26, 2013, according to Net loan third party net loan home statistics data, from May 26 to August 18 of the data from the calculation, 85 days is not sincere not to lend a total of 4.613 million yuan to investors, the average daily return of 54,200. But not sincere don't borrow a total of 28 million yuan has not yet been back, that is, if the speed of the money back, it is not sincere not to lend about 516.6 days to return the money.

And it should be noted that these payments do not include interest, investors can only recover the principal. Suppose an investor invests 1 million yuan in the non sincerity, investment in the annual income of 20%, investment expenses encountered by the risk of not Prudential, if he is lucky to take back the principal after 2 years, loss of the original can get the interest, if the investment in the annual income of 20% calculation, investors to lose 400,000 of the interest. That is far from the whole, and investors will have to endure the risk that the owners of the platform disappear at any time.

And in the non-prudential do not lend the risk, in a long day of waiting for repayment, some investors more and more feel that the road is difficult, and so the funds, not as much as their own way to find the first money. They began a sale of bonds, with some investors holding 63,700 of claims and willing to transfer 75 percent, while some smaller creditors were 50 percent.

"Someone really dare to sell, the net loan industry unexpectedly also produced subordinated debt market." Mike told reporters.

Non-prudential not to loan is definitely not the first not to run without repayment of the net loan platform, since then, the net loan platform Zhongcai online and net win all happened similar events. Zhongcai Online There is no money to return, but expect investors to wait patiently, even daily to give investors "living expenses."

The net wins the world: The borrower uses the equity mortgage of the listed company

This August this year reported that the net win the World "Flameout" event has been new progress, and do not credit, the net win the world in the event of business risk has not run, but the commitment will be slow back. NET win the world in the first month after the cessation of business has completed its first phase of the plan repayment.

The net wins the world is this year the rapid leap up red net loan platform, through the high income loan target, the huge second standard coordination and the successful propaganda promotion, this operating only 4 months the Peer-to-peer platform accumulated turnover amount already nearly 780 million yuan. However, on the August 9 of this year, the net wins the world to publish the public statement publicly: "This site in the course of business operations, due to poor operation and a number of factors caused the investor's investment can not be timely mention, and that they are" to do everything possible to arrange the funds "," to the demand side of the funds to collect arrears, and strive to find funds to restructure the party, Fully protect the interests of investors ".

NET win the world in the event of risk its attitude and not sincere do not borrow very similar: do not run, slow repayment. They showed great sincerity and the responsibility to handle the problem.

Since then, the net won the world also announced its repayment schedule. They separated more than 300,000 investors (large) and less than 300,000 investors (small households), promised to pay off their debts within four months, with a monthly repayment ratio of 10%, 20%, 40% and 30% per cent of the total amount owed. To the large commitment to pay off the debt within 6 months, the monthly repayment ratio is the total amount of arrears of 3%, 5%, 10%, 15%, 25% and 42%.

"The first month's repayment plan was finally completed and breathed a sigh of relief." "A net-winning investor told reporters.

According to net loan home to win the world after the accident of the statistics, net win the world to be recycled total of 206.44 million yuan, there are 22 borrowers did not repay.

"Nets win the world's largest borrower is Shenzhen China Resources Tong Photoelectric Co., Ltd., now the boss of China Resources Tong Zhongwenzin promise repayment." "The net wins the world One investor tells a reporter.

Prior to the market has been speculating that the net win is the boss for their own financing set up the platform, net win the world company also mentioned, by the "quasi-listed" Company's Shenzhen Investment Guarantee Co., Ltd. to provide security services. And in the net wins the world appears the risk, the net wins the world legal person representative to be vague, but the director of China Resources passes the high profile proposed by oneself undertakes the net to win the world all debt, this at least explained, the CRC is the net wins the world biggest customer, even is the only customer.

"Now old clock has mortgaged its personal holdings of CRC to investors. "The net wins the world's investors told reporters.

Reporter learned that Zhongwenzin is the actual control of CRC, possession of the company 35.9% of the equity, at that time, the listing price of 6.5 yuan/shares, the company was at the end of 2012 in Shenzhen, the former Maritime Equity Trading center listed, as at December 31, 2011, China Resources through the audit of the total assets of 464 million yuan, Total liabilities of 245 million yuan, the owner's equity of 219 million Yuan, 2011, the company audited the main business income of 263 million yuan, operating profit of 39,978,880 yuan, net profit of 35,988,560 yuan.

"To increase the pledge of equity is only to add a safeguard, investors do not want the company's equity, just hope to be able to return money soon." The investor told reporters.

Investor woes: A more likely platform for Shameless

Operating risk in any industry exist, with the development of the network loan industry, there will be more platforms due to operational risks operating difficulties. Xu Hongwei, the head of net loan, believes that before the establishment of the industry standard or entry threshold of the net loan, this will be the "labor pains" that investors and the industry are facing.

"Platform is very difficult to do their own wind control, business failure will be a common phenomenon." On the good side, this is also education for investors, investment is a difficult thing, when the net-loan investors found these risks, should be more cautious investment. Xu Hongwei told reporters.