Peer-to-peer Network loan platform Wang-Wang loan volume of more than 20 million

Absrtact: April 15 Wang Wang Loan (www.wangwangdai.com.cn) suddenly closed, customer service Phone No answer, this is the following Fu Xiang Chong, Yuan, a VC and so on, the domestic and a run of Peer-to-peer network loan platform. You have been running for 2 months. Investors from all over the country,

April 15 Wang Wang Loan (www.wangwangdai.com.cn) suddenly closed, customer service Phone No answer, this is the following Fu Xiang Chong, Yuan, a venture, and so on, the domestic another "run away" Peer-to-peer network loan platform.

You have been running for 2 months. Investors from all over the country, there are college students, business workers, but also civil servants. Investors spontaneously organized activist league statistics show that there are more than 300 registered victims, the investment amount from thousands of yuan to million yuan, the total amount is nearly 20 million.

"Legal Evening News" reporter statistics found that the domestic Peer-to-peer network loan platform has about 800, 2013 to date, business problems, suspected fraud and other enterprises, has more than 10%.

Context

Business License is complete, Wang-Wang loan mysteriously disappeared

The so-called Peer-to-peer network loans, refers to the people with funds, through the Third-party network platform matchmaking, the funds lent to those who have the need to borrow money. A borrowing demand after the Peer-to-peer Network loan Platform Audit issued, become a borrowing target, the loan is classified into different types, and some loans are not subject to collateral. The third party net loan platform determines the loan quota and interest rate according to the borrower's economic condition, and obtains the Commission profit through the intermediary service.

In the 2007, the model developed rapidly and became an important form of internet finance.

The reporter learned from the Ministry of Information, Wang-wang loan is Shenzhen na-Chuan Guarantee Co., Ltd. opened the website responsible for Zhang Yanling, the audit passed the time of January 2014.

NA-Chuan Guarantee Company was established in November 21, 2013, registered capital of 10 million yuan, registered in Shenzhen Longgang District Wang Gang Street pine Community Shenhui 132th 504, the legal representative is also Zhang Yanling.

Such a guarantee company founded Peer-to-peer Network loan platform, industry and commerce registration, tax registration and website ICP, but instantly from the human "evaporation".

Cheated civil servants personally told about being cheated more than 600,000

Reporters are linked to a number of deceived investors around. Among them, Liu Tao (a pseudonym) has a doctorate degree, is a Beijing office civil servants. He paid close attention to the maximum loan time and invested more than 600,000 yuan, but it was not recovered. In the list of deceived journalists, he was deceived in the highest amount in the Beijing area.

Liu Tao told reporters that he began to pay attention to Wang-Wang loan since February this year. He remembers that the first loan was made on the February 10, and gradually increased thereafter. The terms of these loans ranged from 1 months to one year, with an annual interest rate of 18% to 24%, much higher than the same period of deposit interest rates and the yield on financial products. After the successful bidding, the Wang-Wang loan will also give investors 1% of the additional incentive to tender.

During the wait-and-see period, Liu Tao did not find the negative information of Wang Wang's loan, and on some commercial websites, he also published an interview with the head of the Wang-Wang loan. He also inspected other Peer-to-peer network loan platform, found that the Wang-Wang loan site on the surface is more professional.

March 13, Liu Tao in Wang Wang loan registered account, through a credit card to invest a loan period of 1 months of 200 yuan standard. After winning the bid, Wang Wang lent a text message and sent a message to Liu Tao, 1% of the extra rewards into his Wang Wang loan account. Through the inquiry of bank transaction details, Liu Tao found that the funds are in and out through the third party payment platform Express Information Technology Co., Ltd. (hereinafter referred to as "IPs") completed. He assumed that the funds were hosted by a Third-party payment platform and put the guard down.

March 14, Liu Tao with a credit card for more than 70,000 yuan, the loan target period is still 1 months, an additional 1% of the reward is also in real time to his account, he can be successfully extracted. From then until April 1, he successively in 16 times the mark, invests more than 600,000 yuan, until the credit card quota runs out, the cash is used up, he waits for the harvest time, the anticipation is frustrated.

Back to the day to find himself fooled

April 13 is the first investment to return the time, Wang Wang loans also text message prompts back into his Wang Wang loan account. But Liu Tao was unsuccessful in trying to transfer money to his bank card. Want to loan customer service said that day is the weekend, let him work day operation.

The next day is working day, Liu Tao or failed to transfer money. This time Wang Wang loan customer service fixed telephone has been down, with 400 of the beginning of another customer service phone said, "Wang Wang loan and third-party payment bank port failure." ”

On the same day around 6 o'clock in the afternoon, Liu Tao again called to see the loan, found that fixed and 400 phone calls are no answer.

Liu Tao told reporters that the money has been cheated, "investment funds are hard-earned cash, many people are afraid to tell their families." If recovery fails, it has a great impact on family life. ”

A number of investors alarm some of the police filed

Liu Tao is currently considering how to defend himself, and has not reported the case. But the reporter learned that Wang-wang loans of domestic investors, there are already many people to the location of the police report.

Among them, some local public security bureau has filed, but some police have not been answered by the police, just let investors "and so on."

The local police are also different, some even the opposite. A police officer in Henan province told investors that "the report is not useful, we have limited capacity to handle cases", but a police in Liaoning province after the case, but comforted investors: "This is a good crime, don't give up", and called on more investors to report.

Wanted want loan registration is located in Shenzhen, reporters to the Shenzhen Public Security Bureau issued an interview letter, hoping to know whether the Shenzhen police have been filed to investigate the matter. Shenzhen Municipal Public Security Bureau by the investigation Bureau to call the reporter said: "Futian branch has filed." ”

Mr. Wang, the Heilongjiang investor, is now contacting other investors to discuss ways to safeguard their rights. He invested 990,000 Yuan in Wang Wang, the highest rate of fraud among registered investors.

Reporter investigation

According to the reporter investigation, the Wang-Wang loan run, the investor damage is not accidental, the whole incident occurred behind, reflecting the current industry supervision and other deep-seated problems.

Cross-examine 1

Registration does not exist, offline audit why is missing?

Want want loans for the registration of Shenzhen Longgang District Wang Gang Street, Wang Gang police station to reporters, "We have a detailed verification of the address of Wang Wang credit, including the business sector have to conduct a survey, found that the address is false." ”

How does the Hundred Rivers Guarantee Company use the false address to run the business license? Reporters consulted Burson RUI billion senior registered director of the company Ge Yulin.

Ge Yulin told reporters that registered enterprises need to provide proof of property and leasing agreements, such as in the industrial and commercial registration to provide proof of property, in doing tax registration needs to provide rental agreement. However, he said, "in the registration, the applicant to provide proof of property rights, as long as the form of proof of property rights and reasonable, commercial and industrial generally will accept." ”

Shi Jianwei, Partner of Beijing Pacific law firm, said, "the business sector does the form of censorship, only to see the real estate certification or rental contract and other written materials, will not go to the site inspection." ”

"In reality, the business sector in some regions is not going to verify the address because of the large number of businesses." "Ge Yulin said.

Cross-examine 2

Does the Third-party payment platform have a review responsibility?

According to the reporter understand, and want want loan cooperation of Third-party payment platform has IPs and treasure pay, they and want want loan exist how cooperative relations, Wang Wang loan after taking the measures? The reporter interviewed the third party payment platform IPs.

IPs reported to reporters that it provides the basic Internet receipts and services for Wang-wang loans. Just as the merchant of the IPs, it was signed by its parent company, Shenzhen na-Chuan Guarantee Co., Ltd. on January 14, 2014 with IPs.

Prior to the signing of the agreement, the IPs Risk Control Center for its early investigation, the other party provided all the relevant documents, IPS through the credit platform and the Shenzhen Trade and Industry Bureau Open inquiry method for double qualification verification, after all the information inquiries are correct, and the company signed.

IPs also said that the Wang-Wang loan on the line, the IPs according to the company wind control rules, in March this year conducted a transaction survey, the survey results show that "Wang-Wang loan" as a trader of all normal.

IPs said April 16 this year, the company received the first "Wang-Wang loan" complaints, immediately launched the company's internal wind control early warning mechanism and emergency plans, suspended the "Wang-Wang loan" all the transfer of funds, while the accounts of its transactions in the transaction suspended trading.

IPs did not answer the question of whether the investor's investment fund was entered into the enterprise account or private account of the Wang Wang loan.

"The Network loan platform opens the interface in the third party payment platform to need the document, the third party pays to do the basic audit." "Peer-to-peer Industry Portal" net loan home "chief researcher Ma said, but some third party to pay for business, audit LAX, there is the other side to provide a copy of the identity card can be opened, some fraudsters are staring at this loophole, such as last year, the run of Fu Xiang Venture cast, this year's yuan a create a site, Do some virtual label on the roll, that's the case.

Reporter recently as the researcher's identity, to a Peer-to-peer network loan platform founder asked the third party payment platform should be how to make efforts for peer-to-peer supervision. The Peer-to-peer Network loan platform founder smiled and said: "Third party payments are likely to teach (Peer-to-peer platform fraud) to do a pool of funds, he will tell you (Peer-to-peer platform) received 100 ID card, here (third party payment) to open an account." ”

"Third party payment is the most willing to peer-to-peer rapid development of the industry." Why, one is to charge fees, the second is the funds deposited in their place. "he said.

Cross-examine 3

are credit card sets available for investment?

A reporter survey found that many investors are using credit cards through Third-party payments to invest. A bank Credit card department staff told reporters that credit cards can only be used for consumption, can not be used to invest.

Ma also told reporters that in the Peer-to-peer platform with credit card recharge equivalent to investment, strictly from the legal point of view, is illegal.

The reporter learned from some investors that in Wang Wang credit card recharge to the third party through the payment platform Ring Express payment or Alipay, and inquiry card transaction details show that the transaction for "online consumption."

In this way, the network loan platform with the help of third-party payments so that investors feel that "credit card can be invested in cash," so that a large number of investors use credit cards to recharge investments.

In fact, when opening a Third-party payment interface, the network loan platform can choose not to support credit card payments. But because the credit card is a relatively large source of funds, if the credit card payment channel, many people will not come in investment, the general platform will not close this channel. ”

Ma told reporters, now do a more mature Peer-to-peer network loan platform, such as a favorable network, Red Ridge and so on, has closed the credit card recharge channel.

Cross-examine 4

Is the peer-to-peer difficult to manage, or is the investor too careless?

Ma told the "Legal Evening News" reporter, the current peer-to-peer investment has a variety of risks. such as some Peer-to-peer platform to play the role of lenders, with the risk of audit; In addition, there are funds to advance the promise of the platform, there is the risk of funds to advance, there is the moral hazard of the platform, liar platform can be rolled out.

Although there are some measures to regulate peer-to-peer industries such as third-party funds trusteeship, the fundamental problem of fictitious borrowers has not been solved in Ma's view. For example, the borrower fictitious their personal information to deceive the network loan platform, some specialized fraudulent network loan platform in the website fictitious borrower publishes false borrowing target, this makes even the third party fund trusteeship also difficult to evade the risk. In the future, he argues, the net-credit platform should enhance transparency, such as the details of borrowers.

A Peer-to-peer network loan platform founder also admitted: "Peer-to-peer bad regulation, because the register, the actual operation and account can be in different places, it is easy to circumvent." ”

But investor Liu Tao later recalls, although the Wang-Wang loan surface looks professional, but think about it, there are questionable.

If Wang-Wang credits the security party as the Guangdong Group Credit Guarantee Co., Ltd. Guangzhou branch, Liu Tao said, "In fact, as long as the Guangdong Group Kee Finance Guarantee Company to make a phone call to check, you can find Wang-wang loan lies." ”

The second is the issue of electronic contracts. According to the reporter understands, after the investor bids successfully, the Wang Wang loan will send an electronic contract to the lender, confirms the loan amount, the borrower information and so on content.

Liu Tao also told the Legal Evening News reporter that the electronic contract does not have the seal of Wang-Wang loan, the last few of the party B (borrower) 's ID number are expressed in XXX, not the ID card number, and the first party (the lender) writes the username of the loan in Wang Wang, not the real name.

In addition, according to Liu Tao, the number of the loan to the lender to confirm the information, the number is different each time, has been changing, the borrower's collateral is also lack of documents and other details.

News extension

According to the State Council, "the system of joint ministerial meetings on disposal of illegal funds" and the working mechanism of the Joint conference on disposing of illegal funds inter-ministerial Joint Meeting by the Ministry of Public Security, the Ministry of Commerce, People's Bank, SAIC, the CBRC and other 15 ministerial-level units, and invited the Supreme Court, the Supreme Procuratorate and other 18 departments and units to participate.

April 21 on the prevention of illegal fund-raising press conference, the disposal of illegal fund-raising joint office director Liu Changjun said, "The current Peer-to-peer web lending development, the number of new peer-to-peer lending sites and loan scale rapidly soaring, has repeatedly appeared to honour the crisis, closure, the volume of the Run, Some have been suspected of illegal fund-raising. ”

Liu Changjun revealed that internet borrowing is suspected of illegal fund-raising mainly three kinds of situation, one is to engage in capital pool, that is, some Peer-to-peer network lending platform through the design of the loan demand for financial products sold to lenders, or the first collection of funds, and then look for borrowers and other means, so that lenders funds into the platform account, generating pools of funds.

Second, some Peer-to-peer network lending platform operators do not fulfill the authenticity of the borrower's verification obligations, failed to find in time or even acquiesce to the borrower on the platform in the name of a number of false borrowers to publish a large amount of false borrowing information, also known as the borrowing target, to not specific majority of people to raise capital investment

Third, the individual Peer-to-peer network lending platform operators, the issue of false high borrowing funds to raise money, to take the new old Ponzi scheme, short-term fund-raising, some for their own production and operation, and some even to abscond.

In view of the emerging problems such as peer-to-peer fraud, the current Peer-to-peer regulation of the research work of the CBRC has begun to start.