According to the incomplete statistics of Tianyan Online Lending Research Institute, as of 20 18 12 3 1, there are 659 P2P online lending platforms in China, including 4,982 problem platforms and 1609 operating platforms, and a large number of problem platforms have surfaced.
Despite the jitters in the industry, many platforms that have difficulties in withdrawing cash have issued redemption plans through channels such as official website, Weibo, WeChat and QQ Group. According to the incomplete statistics of the Online Loan Home Research Center, in 20 18 1- 10, there were 402 platforms that had difficulties in withdrawing cash, of which 224 had issued preliminary redemption plans. Recently, 2065438+February 29th, 2008, 65438+2008, Shanghai Easy Loan Network Financial Information Service Co., Ltd. (Easy Loan Network) released the "Benign Cash Withdrawal Payment Scheme", with a planned amount of over 4 billion. The collective plan includes five stages and is expected to be paid in full by 2023.
Can the new Hehui in the crisis smoothly transform?
Take Xinhe Hui as an example. 2019,6543810.6, the lender Hangzhou credit union internet finance service co., ltd (hereinafter referred to as "credit union") issued the "announcement on opinions on adjusting the zhenxin plan". According to the announcement, Xinhehui released the "Zhenxin Plan" on August 6, 20 18. After more than four months of special work, the speed of asset collection is far less than expected, and the return of funds is extremely slow. Forced to use the platform's own funds to fill, barely realized the payment of the first two issues.
Up to now, the remaining amount to be distributed in Xinhe Hui is 2.299 billion yuan, and the remaining lenders are 65,438+07,424. Although Xinhehui failed to pay on time, the management team, two major shareholders and their actual controllers of Xinhehui have solemnly promised "no default, no running, no liquidation". Then, how will the future credit cooperatives fill the funding gap of 2.299 billion yuan?
In order to cope with the redemption crisis, Xinhe Society put forward two solutions: First, the positive route: seeking foreign aid and resuming business. Credit cooperatives may pay off their debts, and may even be transformed into financial technology companies in the crisis.
Second, the neutral route: pay attention to the cost of collection and management. This also means that Xinhui will completely stop the existing business until the collection is completed.
If the "forward route" is selected, how will the lender pay?
At present, Xinhehui has listed a "three-step" redemption plan:
The first step is to unify the transfer of rights. The third-party entity will face the lender's amount to be distributed, transfer it in full, realize unified confirmation, and carry out continuous asset collection.
The second step is to seek external cooperation. Third-party entities come forward to actively cooperate with AMC and strive to obtain capital injection of not less than 700 million yuan as soon as possible, all of which will be used for immediate payment.
In August this year, the China Banking Regulatory Commission convened a meeting of the four major asset management companies (AMC), asking them to actively promote P2P risk mitigation. The four major asset management companies refer to China Huarong Asset Management Co., Ltd., China Xinda Asset Management Co., Ltd., China Oriental Asset Management Company and China Great Wall Asset Management Company.
At present, AMC has noticed the underlying assets of Xinhe Hui, and Xinhe Hui is striving to cooperate with it. If the AMC investment is not less than 700 million, that is, one third of the remaining amount, the lender can recover the balance of 30% first. If the injected capital exceeds 700 million yuan (for example, 900 million yuan), the lender will get back more arrears. This may not be far from the original estimate of 1 month to recover 50% of the arrears.
When it comes to the payment ratio and horizontal comparison, the payment of e-rental treasure involves1.654,38+0.5 million people, and 38 billion has not been paid, which is still unclear. In contrast, the "main line" of credit cooperatives is the scheme with faster payment speed and higher payment ratio in the industry.
Step 3: Resume operation and realize transformation. If the cooperation with AMC goes smoothly, the full amount will not exceed 5 years. Xinhehui will quickly resume operations, fully implement business transformation, and strive to achieve sustained profitability and rapid appreciation of equity.
On 20 19 1.2, the senior team of Credit Cooperatives announced at the exchange meeting of representatives of "Sincere Plan" lenders that they would gradually withdraw from the online lending business and comprehensively transform the financial technology service platform. On the one hand, it is very likely that Credit Union will apply to the government for transformation support in order to obtain a financial license; On the other hand, Credit Union will focus on strengthening its technological innovation capability and take the road of compliance development.
It is understood that at present, some investors in credit cooperatives advocate solving problems through alarm. It should be noted that long-term psychological preparation must be made when reporting the case. First of all: file a case-investigate-seal up-hire a professional organization to audit the entry. This process takes six months, and then it takes three to six years for the public security to file a lawsuit with the procuratorate-the procuratorate reviews-all court sessions-the first instance and the second instance, and the last step of asset execution may take three to six years.
Another situation is that the underlying assets are real and the police will not file a case. For example, on September 20 17 18, the public security organ made a decision not to file a case against Hangzhou traceability finance. The reason is: "Traceable Finance has carried out online loan intermediary business, and there is no abnormal entry of funds pool and large amount of funds entering personal accounts." The industry believes that the public security organs' attitude towards traceable finance has released a positive signal, and not all problem platforms are suspected of illegal fund-raising. Platforms with actual underlying assets, such as traceable finance, are not filed.
Traceable Finance announced the redemption plan of traceable finance on July 65438+June 8, 2065438, and announced the initial redemption plan. * * * It will be redeemed in six installments on June 30th, 20021year. Judging from the payment situation, by the end of 20 18 1 1, traceable finance had paid 5,684 lenders with an amount of 7 1954 15.07 yuan. It is far from the total collection of about 894 million yuan. Published a comment entitled "The tolerant nephew of the Smurfs": "On February 365438+February 3 1 day, I received a principal of 45,000 yuan from 38 yuan." Another netizen said: "I am still paying the order every month. I hope the platform can hold on."
With the economic downturn, the platform faces great resistance when dealing with the underlying assets. Therefore, the proportion and time of payment will inevitably be affected by the environment and industry.
Man stands under a dangerous wall, should he tear it down or help it? Of all the ideas. If we treat it positively, we may have a bright future.
Related Q&A: Is the basic assets of Xinhehui really true? According to Xiaohui (rebate investment), around 10 last night, Beast suddenly saw the news that Xinhe Hui was postponed. Two hours before the announcement, I actually received a message: the relevant announcement will be released tomorrow morning at the latest, but I didn't expect it to be released tonight. The main purpose is to make everyone more aware of the status quo of the platform, reduce the panic of voting friends, and don't trust the title party. According to the latest information disclosure, the total turnover of Xinhehui platform is as high as 2 123 billion, with 6,304,500 registered users. In addition, Xiaohui (rebate investment) also noticed the changes in the accounts receivable of Xinhe Hui. Compared with the previous two years, especially compared with June 20 17, the platform's outstanding receipts decreased. As mentioned earlier, the P2P platform that Hangzhou is really moving closer to compliance can look at the recent 1 year. Because the Hangzhou Financial Office had internal ventilation a long time ago, from September last year to before filing (September is an impression, and friends who remember it specifically can remind them to call the beast), the platforms within the jurisdiction in the past 1 year could not be raised, subject to June 20 17. People who are really familiar with the P2P platform in Hangzhou probably know this situation. Why did some P2P platforms in Hangzhou fail to win the bid in recent 1 year? Because the money to be collected is restricted by the regulatory authorities. A few friends who worked on the P2P platform in Hangzhou often complained to the beast that their platform was not worried about promotion at all, and it was enough to digest old users. After the thunder tide appeared, many platforms laid off employees while being promoted, and also offered CEO for live broadcast. It's really hard. At present, 90% of the underlying assets of Xinhehui are Xin 'an II. What kind of basic asset is this? Xin 'an No.2 was mainly recommended by his partner (the same group)-Qiaochijinfu, that is, Qiaochijinfu can open and close the gauge. What should be the correct approach? As the financial partner of Seven Bridges Financial Services Company, New He Hui is responsible for transferring the funds raised by the bid to the account of the car buyer first, and then deducting them to the account of the car dealer. If the money raised by Xinhehui bidding is sent to the deposit account of the car buyer first, because there is no entrusted payment function, we only need to rely on the morality of the car buyer to let him take the initiative to transfer the money to the car dealer. Judging from the overall situation of small return (rebate investment), Xinhe Hui's initiative to postpone this time is not due to the problem of capital flow caused by the thunderstorm, but to actively adjust its business to comply. Investors are already very timid, especially the so-called "200 billion platform credit union thunderstorm, head platform thunderstorm" and other titles, coupled with some incorrect content, scared many investors. I hope this article can dispel their concerns. Don't panic this time, and seriously investigate the authenticity of the underlying assets of the platform according to the suggestion of calling the beast; Forward this article to investors who don't know about Xinhe Hui, especially those who are investing, to help them rationally defend their rights. Finally, the small return (rebate ticket) reminds everyone that investment needs to be cautious. You can consider a variety of investment methods and choose a reliable platform. You may wish to take a look at the rebate investment of the third-party platform of all-category financial management to protect your investment. Thunder has been rolling recently. Let's have a party. Invite friends to register and tie the card, and there will be a red envelope, which will be sent to cash-filled red envelopes for investment. Maximum 130 yuan. Just order me!