According to many users, the cash bus "has no money to lend money" and "/kloc-0 will not lend money in the middle of October".

(Legend: From the I Love Card Forum)

Some users said in a post on September 19: "The cash bus stopped lending money today."

(Legend: From the I Love Card Forum)

The suspension of loans is suspected to be related to the purge of the big data industry.

We made an investigation into this. Currently, there is no cash bus App in the Apple App Store. Although the cash bus app can be downloaded from the Android App Store, after the registration is successful, the page shows that "due to the efficiency of fund matching, the service cannot be used for the time being".

In this regard, the customer service said: "Because the platform has not matched enough lenders, it cannot be lent normally now."

When the customer answered the question of when to stop lending and when to resume lending, he said, "More than a month ago. The recovery time has not been notified, and it should be negotiated with the funder. It is recommended to try again later this month. "

At the same time, the customer service stressed that except for not lending money, other businesses of the platform are operating normally. In addition, the current Apple version of the Cash Bus App is temporarily maintained and cannot be downloaded.

(Legend: Screenshot of dialogue with cash bus customer service)

According to the time of customer service reply, the time for the cash bus to suspend lending is probably in the middle and late September, and this time node is very subtle.

Since September, many big data companies such as Scorpion Technology, Xinyan Technology and Tongdun Technology have been taken away by the police for investigation, which has set off a strong regulatory storm in the industry. At the end of 10, the central bank urgently investigated the cooperation between banks and big data companies, and 10 platforms such as Tongdun, Scorpion and Xinyan were included in the research list.

Among them, on September 1 1, Hangzhou Cunxin Data Technology Co., Ltd., the operator of Gongxinbao, a well-known trading platform in the blockchain industry, was also seized by the police. According to media reports, the cash truck is one of Gongxinbao's partners. Judging from the time node, after this incident, the cash bus suspended lending, which is somewhat intriguing.

It is reported that the cash car is an old-fashioned cash loan platform in China. Founded in September 2065438+2004, it is the platform of Micro Express (Group) Co., Ltd. The legal representative of the company is Tang Yang, with a registered capital of 6,543.8 billion yuan, and Tang Yang is also the actual controller holding 88% of the shares. In June, 20 15, the cash bus was financed by Qi Ming Venture Capital and Huachuang Capital, and in March, 20 16, it was financed by Shunwei Capital, which was USD 25 million.

According to media reports, Tang Ning, the founder of CreditEase, is Tang Yang's brother, and the two also established "Beijing Ningyang Technology Development Co., Ltd." under their respective names.

(Legend: from enterprise survey)

The capital partner is operating abnormally and is still issuing new bids.

According to the user's screenshot, the cash bus loan agreement shows that Party A (the lender) is an investor of Xiaojin platform, and the intermediary is Shanghai Zhong * * * Financial Information Service Co., Ltd.

(Legend: From the I Love Card Forum)

According to the inquiry in the era of eliminating gold, the above Xiaojin platform is a Shanghai online lending platform initiated by Shanghai Zhonggu Xiaojin Financial Information Service Co., Ltd. (hereinafter referred to as Zhonggu Xiaojin), and Wang Xin Bank is the depository bank of the platform.

According to the user's posting, the payer of the cash bus is Zhonggu Xiaojin, and the paying bank is Sichuan Wangxin Bank Co., Ltd., which proves that Xiaojin Platform is the financial partner of the cash bus.

(Legend: From the I Love Card Forum)

According to the enterprise survey, Zhonggu Xiaojin was founded in 20 111,with the legal person Marten, registered capital of 654.38+35 million yuan and paid-in capital of110,000 yuan. 2065438+09128 October, 19, Zhonggu Xiaojin was listed in the business exception list by Shanghai Yangpu District Market Supervision Administration for concealing the real situation and practicing fraud.

According to Xiaojin App, platform products mainly have 1 month, March, May and other deadlines. By June of 20 19 and 10, the accumulated loan amount of the platform was 3094 10/00000 yuan, with a loan balance of 378 million yuan, and the compensation for that month was 3078438+00000 yuan.

According to Xiaojin's customer service introduction, the platform is mainly a small loan project, and the current target is insufficient, so it is impossible to predict the next opening time.

The platform was opened during 10. At the same time, the customer service mentioned that Xiaojin is currently docking new bank assets.

The customer service did not give a positive answer to the reasons for the shortage of the target and the situation of the asset partners. It only said: "If partners are involved, the customer service does not understand ... due to the market supply and demand, the products may be sold out temporarily."

(Legend: screenshot of dialogue with Xiaojin customer service)

According to the time mentioned in the reply between the cash bus and Xiaojin customer service, the time when the cash bus stopped lending was earlier than the time when Zhonggu Xiaojin issued the bid last time. Therefore, it is speculated that the cash bus is not the only asset partner of Zhonggu Xiaojin, which also proves that the reason why the cash bus stopped lending may not be entirely due to Zhonggu Xiaojin.

In addition, judging from the posts posted by cash treasure users in the forum, no other financial partners in cash treasure have been found except Xiaojin platform.

Suspected of illegal lending, complaining about issuing campus loans.

Although the cash bus has suspended lending at present, the complaints about it have not been interrupted.

On the third-party complaint platform, there are nearly 4,000 complaints about cash buses, mainly focusing on usury, beheading and violent collection. There are also users complaining that cash buses issue campus loans.

The complaint post with the number of CN 14 17453 said that the poster's cousin borrowed a cash bus for lack of money, and the next payment, 1000 yuan, was directly deducted from 200 yuan's beheading interest, and then returned 364 yuan each time.

(Legend: Complaints from Poly)

In fact, cash buses have been widely concerned by the media because they have not obtained any financial licenses and lending qualifications and are suspected of illegal lending.

Previously, Cash Bus indirectly held an Internet small loan license through its equity in Wuxi Jinxin Internet Technology Small Loan Co., Ltd., however, the enterprise survey showed that in April 2065438+2007, Tang Yang and Weiyuntong transferred their equity.

20 17 There are media reports that Misu wants to apply for an Internet small loan license independently, but no latest progress has been made.

We will continue to pay attention to the follow-up progress of the cash bus loan suspension.