Source: Online Loan Eye
Recently, the dynamics of the online lending industry have continued to attract attention. As the final "deadline" of the online lending platform approaches, the clearing of the online lending industry is also accelerating.
To this end, Online Lending Tianyan summarized the latest progress of group loan network, Jiufu, Renren loan and micro-loan network according to public information and relevant media reports.
Tuandai.com
First, sort out the collection data
Last week, the amount of collection on the asset side of the group loan network was 7,649,700, a record low.
Weekly payment statistics are as follows:
Second, the progress of collecting the "three axes"
Now the weekly collection situation is not optimistic. At the beginning, the amount of collection was as high as 100 million per week, and it gradually began to decrease to 70 million, 50 million, 30 million and 20 million, and now it may be less than 10 million per week.
I have analyzed the "three axes" of collection before: credit reporting, frozen cards and legal reminders.
Credit information. According to the telephone feedback from the Financial Office, a number of central banks and hundreds of banks have been reported recently. At present, the total number of people reporting credit information is 140,000.
Frozen card. According to the feedback from the Financial Office and the Economic Investigation Bureau, a new batch of overdue borrowers’ bank cards were frozen around September, but it is not clear how much.
Legal reminder. On the French side, we can find news from the public news of courts all over the country. At present, some overdue borrowers of mortgage and car loans have begun to sue, but the number is far from enough.
The basic disk of the group loan network is probably like this-
1. There is a lot to be received, and there are many fake and real bids at the same time.
2. The fake bid has almost recovered 8.6 billion yuan through recovery, and the real bid has almost recovered 4 billion yuan through collection.
3. The platform was put on file on March 29, 2019, and the boss has been arrested. The case has entered the normal public security law process, and has gone through investigation, inspection and court filing. Now it has entered the stage of waiting for the court to open.
As the front-end platform, the group loan network has a large amount of money to be collected, and its internal situation is more complicated than e-rental.
It involves the collection of genuine bid, the recovery of self-financing false bid, the procedure of public security inspection law, court judgment and asset disposal. These tasks are very common in the process of dealing with P2P illegal fund-raising cases.
In particular, this point: e-rental treasure is mainly fake, and basically does not involve collection work, but the group loan network has a large number of real bids. How to deal with these real loans in the end will bring reference value to the following cases.
The disposal method and judgment of the large-scale P2P illegal fund-raising case of group loan network will have important reference value for the economic investigation, procuratorate and court of other platforms behind.
With the increasing number of P2P eviction cases, more and more platforms that failed to evict will be put on file, and the follow-up may enter the public security law procedure.
In the case of group loan network, how the court will finally deal with those P2P laolai who fail to pay back the loan within the time limit is actually worthy of attention and study.
Jiufu
Jiufu has paid back again recently, and has paid back three times so far. The pre-tender payment is made once a week, and it is all concentrated on Monday afternoon. This point was not mentioned in the Nine-Rich Plan, but it should be artificially set. Judging from the feedback from lenders, the proportion of repayment is generally not high.
If all of them are calculated in 36 months, the monthly proportion of the payment progress should be 2.77%. Jiufu has paid for three weeks, and logically it should pay 1.94% to be considered as a normal payment.
One of the biggest questions is: some guys haven’t paid back the money for three times in a row. Is his bid overdue? In this regard, some lenders asked the platform customer service, but they still did not get a reasonable explanation.
In addition, Jiufu Securities, a subsidiary of Jiufu Group, changed its name.
(From Fuyuan Securities)
Jiufu’s known financial licenses for equity participation and holding include:
Insurance brokers (Jiuxing Insurance Brokers), fund sales (Jinniu Fund), banks (Hubei Ezhou Rural Commercial Bank), Hong Kong Securities (Fuyuan Securities) and other licensed institutions.
Moreover, many lenders may not have noticed: not long ago, Jiufu had withdrawn its shares from Hubei to eliminate gold.
According to Tianyancha’s disclosure, the time for Xinjiang Teyi Digital Branch (Jiufu affiliated company) to withdraw its shares from Hubei is October 10 this year.
(From Tianyancha: Xinjiang Special Easy Number Department has withdrawn its shares)
Recently, Jiufu Pratt & Whitney released the "Proposal on Establishing a Lender’s Committee", saying that in the process of continuously promoting the smooth resolution of the online lending business on the platform, in order to establish a more sustainable and effective communication channel, accurately collect and feedback the opinions and suggestions of lenders, actively respond to the demands of lenders, and propose to establish a lender’s representative Committee (hereinafter referred to as the "Lender’s Committee").
According to the contents of the "Proposal", the platform will publicly collect the election process, Committee rules of procedure and work plan of the lending Committee from all lenders holding creditor’s rights. Lender users who are interested in participating in the preparation for the establishment of a lending committee can send their resumes and suggestions on the specific scheme of establishing a lending committee on the platform to the designated mailbox before November 10th. After verifying the identity of the registered lenders and fully understanding their wishes, the platform will select no more than 19 people to set up a preparatory group for the lending committee under the supervision and guidance of the regulatory authorities and government special classes.
Jiufu Pratt & Whitney also said that the above work plan will be completed about 2 months after the date of the proposal. Subsequently, the voting channel of the Lending Committee will be opened on WeChat WeChat official account, and the work progress and achievements of the Lending Committee will be announced regularly.
In addition to the "Proposal for Establishing a Lending Committee", Jiufu also issued the "Announcement on Increasing Diversified Communication Channels", saying that more online and offline communication channels will be added on the basis of the original communication mechanism to establish a more diversified communication mechanism.
In terms of online communication channels, the responsible persons in charge of different departments will be arranged from time to time to conduct live online broadcasts and online answers with users in turn. In terms of offline communication, users who strongly want to communicate face to face can register online to make an appointment, and the user reception address is Fangshan District, Beijing.
It is understood that on October 12 this year, Jiufu issued a rumor announcement, denying that the platform "Thunderstorm" would no longer be honored. At the same time, it clarified ten issues related to the platform, such as "transfer of creditor’s rights, private exchange, overdue, and executive responsibility".
peer to peer lending
As of 0: 00 on October 27, 2020, the exit time for the transfer of service debt of Renren Loan U is 20: 00 on October 16, 2020. Since October 16, 2020, everyone’s loan-to-debt transfer has been slow. The original speed of debt transfer can be completed in 2 hours on the same day, but now it has not been completed in 9 days.
According to the information provided by the lender who visited Renren Loan:
First, there may be a plan in November.
Second, everyone got credit.
Third, it is not impossible to penetrate the bottom bid. In short, the borrower will eventually pay you back, not everyone.
Fourth, the subject matter is guaranteed, but the guarantee has an upper limit.
First of all, the plan is very vague at this point in time. They can say whatever they want, and they can even continue to drag on. From the perspective of everyone’s loan, as long as the pressure is not great, the so-called "plan" can be dragged on by debt. Not to mention Jiufu’s "plan" at that time, it finally dragged on for two months and became a "bottom bid penetration". At present, there is no official statement on Renren Loan, so I don’t comment on whether this time is true or not.
Secondly, recently, many lenders received piecemeal payments during the withdrawal period, including "tens of dollars" and "one hundred and eighty dollars". At present, Renren Loan has not given any explanation for this.
Third, about the guarantee. In the U-Share Lending Agreement, there is a passage that clearly shows the existence of guarantee, that is, setting up a special account for risk guarantee fund.
According to the mechanism of protecting the interests of everyone’s loan users, when the borrower of the guaranteed loan is overdue for more than 30 days, it will withdraw the corresponding funds from the funds in the margin account to repay the lender’s overdue claims. However, as stated in the reply, there is an upper limit on the guarantee, and what is the upper limit? It is not said.
Micro-loan network
Recently, Shangcheng Branch of Hangzhou Public Security Bureau reported the latest progress of micro-loan network cases. As of October 22, the public security organs had collected a total of 2.629 billion yuan, an increase of 410 million yuan over the content notified in September.
According to the contents of the circular, up to now, a total of 2.629 billion yuan of funds have been collected, and the work of seizing up and freezing has been carried out simultaneously and continuously.
At the same time, the micro-loan network is included in the credit information work normally. On the basis of the previous report, we will further promote the sorting and reporting of people who evade debts. The public security organs will continue to crack down on the malicious evasion of debts, and hereby remind the platform borrowers to consciously and actively cooperate with the loan collection work and fulfill their repayment obligations according to law.
In addition, under the supervision of the government, the team and organizational structure of the micro-loan network have remained stable, and the daily collection work and payment collection have remained normal.
According to the previous report of Online Lending Tianyan, on July 4 this year, Shangcheng Branch of Hangzhou Public Security Bureau filed a case investigation on Micro-loan (Hangzhou) Financial Information Service Co., Ltd. ("Micro-loan Network" platform) according to law, and the case is being investigated according to law.
Source: NP Caizhi, Xiaoyi Shuocai, and Online Loan Eye.
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