Network loan Platform appeared difficulty, responsible person was exposed to a long lost

March 16 News, once in the former Sea Equity trading center listed on the network loan platform every day the U.S. loan appears to be difficult.


 


recently some investors said that the U.S. loan at the end of last year to start restrictions on the present, the investor's application for one months before approval. Every day the U.S. loan official website shows that some investors are successfully presented, the total amount is only tens of thousands of yuan.


 


Daily U.S. lenders face reporters, "the company's actual head Zhang Yanxia and general manager Peng has not been to the company for several days, the staff is difficult to contact them." ”


 

According to the "3 15" report released by
, 44% of investors said they had encountered difficulties with the platform.


 


Net Loan Day Eye Vice President Pan Jinjian told reporters that the platform is difficult directly because of the financial chain tension or even break. And the root cause is only a few aspects, such as mismanagement, the borrower is overdue; platform irregularities, such as the delay caused by the short loan, the borrower has not yet to repay the time, but investors back to the time has come; Ponzi scheme, platform attempt to borrow new or old.


 


"Harsh" the month of 8th, the U.S. loan issued a notice that the company has sufficient debt and asset coverage of the platform to be collected, but due to the existence of borrowing time mismatch, the industry's overall financial situation is tense, the current platform funds a tightening. Limit the investors ' cash, but promise not to run.


 


Notice of the proposed rules made, the available balance must be continued to cast 95% before the 5% can be raised, the available balance in the following 500 yuan, full. The total amount of the daily platform is 50,000 yuan, which is more than 50,000 yuan, and the next day is processed in turn.


 


investors are limited to 5%, but also asked to continue their investment, which in the industry seems to be precisely the platform for the crisis of honour precursor. Pan Jinjian told reporters that, from the previous situation, the emergence of a platform for difficult to come up with almost no one can successfully survive the crisis.





Industry and Commerce data show that every day the U.S. credit company registered as Shenzhen Letter Rong Investment Guarantee Co., Ltd., registered capital of 10 million yuan, registration time for June 2011, is by the original Shenzhen British Pu billion Technology Co., Ltd. renamed.


 


three of natural persons shareholder Peng the capital of 1 million yuan accounted for 10%, Zhang Juhong paid-in Capital 1 million yuan accounted for 10%, Zhang Yanxia recognized capital 8 million yuan accounted for 80%.


 


according to the official website introduction, every day the U.S. loan by the strength of Oriental beauty investment Company. Reporters see the relevant information, Shenzhen Oriental Beauty Investment Development Co., Ltd. registered capital of 500,000 yuan, on January 24, 2013 changed its name to Shenzhen Rainbow Family Cosmetics Co., Ltd., shareholders for the Shenzhen Glaze Time Investment Development Co. and Shenzhen Glaze Time Investment Development Co., Ltd. registered in 2007, registered capital of 10 million.


 


Reporter According to the official website issued the standard statistics, this behind after a lot of shareholder capital Packaging every day, the majority of the release of the credit mark, the highest credit standard annual return rate of 27.4%, of which 22% for the annual return, 5.4% for the tender award.


 


every day the U.S. loan guarantee company for Shenzhen Sheng Investment Guarantee Co., Ltd., is not a third-party guarantee company, so there is a suspicion of self-fusion. In addition, every day the U.S. loan platform on the financing side information disclosure is not complete, on the official web site can not see any information on the financing side, and the amount of borrowing in million yuan.


 


It is worth noting that the U.S. loan in November 2013 on the line a week after the landing of the former Maritime Equity trading center, but after the landing did not carry out any financing behavior.


 


However, some people in the industry said that the lower threshold of equity trading center, some regional stock Exchange center is not required to share reform, information disclosure is not forced, most peer-to-peer platform just hope through the listing of equity trading center to increase the letter, and no actual financing behavior.


 


Platform liquidity in the network loan day of the problem platform summary, the emergence of difficulties in the number of platforms accounted for the problem of more than half of the platform. There is a delay in the present, the continuation of the present, according to the amount of investment in proportion to the limit requirements.


 


In addition to the U.S. loan every day, a number of Peer-to-peer platform for the present also have "stringent" restrictions. For example, the letter wealth Bulletin said investors can be 3 per thousand of the proportion of the present. In addition, there are platforms that require investors to pay additional fees at present and even ask investors to postpone the time of the present.


 


Network loan risk assessment agency loaned out Wang Shouyan said that the platform in the emergence of difficulties before there are traces, the size of the receivables to be more than the size of new loans, cash flow problems. In addition, the present difficult platform of the general high yield, are in more than 18%, with high interest in the way a short period of time to obtain a large number of investors, once the assets end of bad debts, directly lead to the capital chain break.


 


in the future and the increase in the number of investment in a significant decline can also be referred to, in general, before the difficulties in the proposed platform for the number of new investment and investment quotas are more stable, when the platform appears to be a problem, the number of investment and investment quota significantly decreased.


 


in the industry, the difficulty of the platform is mainly concentrated in the self-financial platform and the project wind control level poor platform two types. Among them, the number of self-financing platform information fraud, the issue of a single capital flow, when the emergence of difficulties, once the investor alarm, was characterized as illegal absorption of public deposits, the platform basically no "upset" the possibility.


 


the emergence of difficulties, the platform may be revitalized by seeking capital injections or by reorganizing. Loan out Aspect said, from the statistics, not all platform an accident to choose to run, in more cases, the accident platform is mainly liquidity problems. As long as the platform and investors reach an agreement, there is not necessarily a penny will not be returned.