Peer-to-peer Network Capital Flow doubtful: Third party payment only freezes 100,000

The net event continues to ferment, and only 100,000 of the more than 20 million funds that investors are trapped in are frozen in the accounts of third-party payment agencies.

December 25, the newspaper is favorably easy to cooperate with the third party to pay the institutional state pay, the exclusive learned that the Ching and IPs respectively in 22nd, 24th, the freezing of the corresponding accounts, frozen funds are nearly 30,000 and 70,000 yuan respectively. (Excellent easy network events detailed in this newspaper December 25, "Peer-to-peer Network Accident" "empty" investors tens of millions of of funds depth quilt)

"We had to suspend the settlement service after we knew about it on 21st. After the message is indeed closed the recharge channel. "December 25, Ching, director of risk control, said to this newspaper.

Website information shows that investors can be transferred to the investment in two ways to the network, one is directly through the bank transfer to the company's ICBC account (opening behavior, Jiangsu Nantong ICBC Gangzha Branch), the other is through the Third-party payment agencies pay and IPs payment.

From the two Third-party payment agencies to provide data, investors mostly choose the bank direct money. Since August, the Internet line, through the national pay and IPs to pay the funds are more than 3 million and 1 million respectively. The total trading volume of the network is 71.16 million, accounting for less than 5.7%.

"In the process of bidding, the funds are entrusted by the third party bank," the company said. And now verified that the only company to open an account for the ICBC Gangzha Branch, the third party to pay the binding bank also accounts for ICBC.

Reporters call ICBC Gangzha sub-branches, to verify whether with the easy network signed funds Trust agreement, a Cao surname director said "never with the Easy network signed agreement, other matters are not clear." ”

In fact, it is also a matter of mentioning the money to ICBC's account from a third party settlement account, "The end money is in the bank, but the bank is frozen and the amount of money deposited in the bank is not clear." According to Ching insiders recalled that the Ching frozen money on the day, its financial department has contacted ICBC to explain this situation. But ICBC says it needs to receive formal official documents from the Justice Department.

This case shows that the Third-party payment agencies can not be in the Peer-to-peer industry fully play a "fund monitoring" role. From the national pay and easy network signed cooperation agreement, Ching for the easy network to provide RMB gateway payment and settlement services, service fee rate is 0.35%.

Ching, said the cooperation is limited to the investors to recharge the funds settled to the network, and the site to send money to the borrower this ring country pay did not participate, but also did not contact the borrower. IPS manager in response to this newspaper said, "IPs in accordance with the customer's instructions to settle funds, involving borrowing and lending links, but the borrower's registered account does not require real-name certification." If required by the judiciary, we will provide all records and related information. ”

In other words, in the absence of bank trusteeship, Third-party payment is not involved in the case, the easy net received the funds of investors after the real capital use can not be verified.

The day before the network stopped operating, Ching said no abnormalities were found. "Through our channels of trading volume is not, every day is about 230,000." Excellent easy net basic day on the present, stay in our account of the balance is very small. said the weekly manager.

At the level of qualification review, at the beginning of this year's cooperation in August, Ching said that according to the Central bank "order 2nd" and the relevant rules, check the advantages and easy network of enterprise legal person license, organization code, tax registration and other supporting documents. "The website has the credibility of the network site verification, at the same time the Ministry of the ICP Record and other signs, we judge it is true and credible." "said Zhou.

Although the contract period of one year, the current state pay is ready to terminate cooperation with the network. "Because the fees are collected in real time, the loss of funds is small, the important thing is reputation impact." ”

Related reading
Easy Network is a fraud platform peer-to-peer industry risk to the third party to pay panic
VC/PE Hot holds peer-to-peer personal net loan: Capital Feast or Ponzi scheme?
The rising of Peer-to-peer network loan platform is in urgent need of regulation