3 15 net complaints

Recently, in the complaint website, Investor.com noticed that there were more than 70 complaints about Tuniu.com and his offline car loan brand "Happy Car Loan", most of which involved yin-yang contracts, beheading interest and high interest rates.

Car loan chaos

On March 20th, Mr. Zhou initiated a complaint against on the complaint platform, claiming that he handled the car mortgage on February 20th, 2008+2065438, but the signed contract provided by the company on that day was different from the actual payment, and he raised an objection on the spot. The site manager said that according to the company's process requirements, the amount shown in the contract should be greater than the actual amount of the local manager and loan user. The contract will also be stamped by the mail headquarters and then mailed to the loan user. But by March 20 this year, Mr. Zhou had not received any mailing contract.

Teacher Zhou also said that the manager in charge of the loan said that the loan can be settled in advance after three months, but it must be settled on the agreed repayment date after three months, otherwise the interest will change. At the same time, in several communications between Mr. Zhou and the platform, the basic GPS traffic fee price given by the local manager is not consistent with the price given by the online customer service of the headquarters. Teacher Zhou thinks that the company has a "yin-yang contract" to raise interest rates in disguise. 0030 10 Note that on March 22nd, Mr. Zhou has updated the complaint status, saying that "the repayment amount and date have been successfully negotiated with".

Investor.com also noticed that in more than 60 complaints about which network to invest in (different stores in different places), the existence of "yin-yang contract" was pointed out, but the company argued that it was "unaware".

In addition, there are many cases of "beheading" on the platform. Teacher Xia said on the complaint platform that she borrowed 654.38 million yuan from Happy Car Loan on March 24 this year, and the amount received was 96,200 yuan. The contract amount is 1 10000 yuan, and the repayment amount of 24 installments is 5766 yuan. The annual interest rate of her loan far exceeds the national regulatory red line of 36%. Teacher Xia proposed to negotiate with the platform for early repayment, and was told that it would take one month's interest, management fee and GPS traffic fee to apply for early settlement.

In 2065438+2008, Mr. Dong used a car to repay the loan 14000 yuan, but the latter two periods failed to repay in time due to cash flow difficulties. Later, I received a notice from a third-party outsourcing collection company that the platform would seal up and sell Mr. Dong's car and ask Mr. Dong to repay it in time. Two days later, in addition to the original interest repayment amount, Mr. Dong also needs to pay 300 yuan liquidated damages.

Heavy asset layout

According to the company that released the recruitment information of "Worry-Free Car Loan" brand under the online loan network, since its establishment, online loan network has served more than 65,438+10,000 small and micro enterprises and individuals, helping customers to obtain loans of more than 22 billion yuan. By 20 16 and 10, the company had a professional service team of more than 2,000 people with Shenzhen headquarters as the core, and 120 stores, which improved the regional layout of the Pearl River Delta, the Yangtze River Delta and the central and western regions and further accelerated the national strategic layout.

After comparison, the service radiation scope and quantity of tuna online shop ranked second in the industry are far from the head platform. However, Chen Wen, deputy secretary-general of Industrial Finance Research Base of China Academy of Social Sciences and founder of Baige New Financial Think Tank, said, "The operational strength of the platform cannot be determined simply by the loan balance. Compared with franchise stores, direct stores are easier to control the loan risk. In terms of asset quality, which network assets to invest in may be of better quality. "

Because the actual operation of car loan platform needs pre-loan inspection and post-loan management, the risk control ability of Touna.com direct store model is higher than that of micro-loan network introducing franchisee stores in the environment of rising collection cost of car loan industry. However, the relevant person in charge of the micro-loan network told the investor network that "from the end of 20 15, the micro-loan network will no longer be open to join." This also means that the competitor microfinance network has strengthened the management of offline stores, and the competitive environment is intensifying.

It is worth noting that the cost of opening a direct store I

2017165438+10. In October, Giant Network (002558) wholly owned Sun Company Shanghai Jujia Network Technology Co., Ltd. (hereinafter referred to as "Jujia Network"). SZ), acquired 30.5263% equity of Wangjin Finance for 520 million yuan, and raised 300 million yuan of Wangjin Finance to acquire 565,438+0% equity of the target company, thus deepening its layout in the field of Internet finance.

Giant Network announced that after the transaction is completed, Giant Network will hold 40% equity of online finance through Sun Company. By transferring the voting rights of 1 1% equity, Giant Network will enjoy a total of 5 1% effective voting rights, and online finance will become the holding sun company of Giant Network.

What is the main business platform of Netgold Finance? After the acquisition transaction is completed, NetGold Finance and Giant Network bet on which network to invest. "The net profit attributable to shareholders of the parent company in 20 17 is not less than 230 million yuan; 20 18 years, this value is not less than 450 million yuan. "

20 18 12.29, Touna.com released an investor website saying that according to the announcement and confirmation of Giant Network, the wholly-owned subsidiary of Giant Network transferred its home network to Shanghai Lan Xiang Business Service Co., Ltd., a wholly-owned subsidiary of Beijing Xinyuan Zhucheng Real Estate Development Co., Ltd. (hereinafter referred to as "Beijing Xinyuan") on February 28th, 20 18. After the completion of this transaction, Jujia Network remains the largest shareholder of Netfinance, and its shareholding ratio in Netfinance remains unchanged at 35.438+0%. As the actual controller of Jujia Network was changed from Giant Network to Lin Rongqiang of Beijing Xinyuan, the actual controller of Tuniu Network was changed from Giant Network to Lin Rongqiang.

It is speculated that due to the development of the Internet online loan industry, which network 20 18 invested in has a lower profit level than expected and failed to gamble with Giant Network, so it was divested.

On the other hand, with the approach of the pilot time of P2P online lending industry filing, many online lending platforms began to increase capital, and which network took the initiative to file is no exception. On April 26th, Li Zhigang said in the live broadcast that the registered capital of the platform has increased to 500 million yuan, and the capital verification report of this amount has been issued by an accounting firm, and it is currently undergoing industrial and commercial registration.

where is the money to come from?

According to the latest statistics of Online Loan Home Research Center, from 2065438 to February 2009, the turnover of car loan business in P2P online loan industry was about 5.743 billion yuan, down 27. 18% from the previous month, accounting for 6.02% of the turnover in P2P online loan industry in the same period. March

The transaction volume of car loan business in P2P online lending industry was about 7.524 billion yuan, up 3 1.0 1% from the previous month, accounting for 7.5% of the transaction volume in P2P online lending industry in the same period.

The overall transaction volume of car loan business in P2P online lending industry is low, and the profitability of the platform is not as good as before due to the demand of regulators to reduce the scale. Strictly controlling risks and reducing the speed of offline expansion have become the knowledge of the car loan industry. It is not uncommon to cover up the rising bad debt rate and high platform operating costs in the form of "routine loans". (produced by Thinking Finance) ■

Related Q&A: Where is the car towed by Changsha Worry-Free Car Loan parked? Thank you! There are many parking lots in Changsha, and the other party may have several parking spaces, and parking spaces in the suburbs are generally difficult to find.

I suggest you communicate with each other and ask for a clear location.