Top Ten Keyword Comments P2P 20 18!

20 18 for online loan practitioners, there are many twists and turns. At the beginning of the year, practitioners were in high spirits and actively carried out filing work. Delayed filing in the middle of the year, sudden changes. In the second half of the year, the record was restarted.

In 20 18, all parties involved in the online loan industry can be described as unforgettable. There are countless leibo and investors in the middle of the year. They are the most innocent people. The cries of investors who stepped on the thunder were harsh, and everyone who heard them was sad. 20 18 is leaving, just like all the suffering will pass.

Near the end of the year, we returned to the 20 18 online loan industry through the keyword 10.

place on file

Earlier, online loans innocently bore the notoriety of platforms such as e-rental, and were spurned by cash loan victims. Even if e-rental has nothing to do with online lending, the intersection between cash lending and online lending is limited, and online lending has become synonymous with negative events in Internet finance and a spittoon that people can "spit". The online loan industry has been stigmatized for a long time, and practitioners have to do it themselves.

On February 8, 20 17, 17, the Office of the Leading Group for the Remediation of Special Risks of Peer-to-Peer Lending Network Loans issued the Notice on Doing a Good Job in Rectification and Acceptance of Special Risks of Peer-to-Peer Lending Network Loans (hereinafter referred to as "Document No.57"). Document No.57 proposed that the filing and registration of major online lending institutions in the jurisdiction should be completed before the end of April 2008. For some online lending institutions that have many illegal stock businesses and are difficult to complete the disposal in time, they should complete the disposal, divestiture and filing and registration of the corresponding businesses before the end of May 2065438+2008; For organizations with extremely difficult and complicated individual circumstances, relevant work should be completed by the end of June 2065438+2008 at the latest.

The publication of this document has set a deadline for the implementation of supervision. The curtain of filing has been opened, and online lending is about to enter the "first year of filing".

The first year of online loan filing is a year full of hope for practitioners and a year that investors expect. Unexpectedly, we guessed the beginning right, but we didn't guess the end. In the middle of 20 18, the filing was postponed continuously, and the timetable was delayed, which also laid the groundwork for the later thunder tide in the industry.

Fortunately, after the drastic fluctuations in the industry, the regulatory authorities actively intervened and clarified the filing schedule and P2P compliance inspection time node.

You will be late for filing, but you will never be absent.

Lei Chao

June is dry and never peaceful.

At the beginning of June, with the continuous implementation of filing extension and deleveraging policy, the debt chain began to collapse. Previously, in order to attract investors, some platforms set up their own fund pools and split the targets to release liquidity. When investors' confidence is insufficient, the cheapness of liquidity turns into liquidity risk. Some platforms absorb public deposits in the name of online loans, take them to real estate speculation, and give blood transfusions to relevant parties. When funds are tight, financial default is exposed, and it is difficult to recover funds, these platforms are unsustainable.

Due to the defects of product design, the absence of industry supervision and the serious damage of the online loan industry itself, the online loan risk needs to be cleared sooner or later. However, June happens to be the time window for the release of the filing delay signal. During this period, market debt defaults are high, and the potential risks of non-compliant online lending platforms are exposed as soon as possible.

In this context, Lao Lai's confidence is unprecedentedly high, and they firmly believe that they can drag it to the day when the platform is liquidated. Investors' confidence is unprecedentedly low, and they are worried that some platforms have illegal business risks such as self-financing, fund pools and false borrowing targets. Investors who hold the current project hope that the platform will not make a fuss before withdrawing cash, and they are afraid to invest again when withdrawing cash. Investors who transfer creditor's rights pray that someone will take over and lose money. Panic spread to other platforms, fueling the thunder tide of the whole industry.

In June, Monk Lei finished Lian Bi Lei. In July, Yinpiao.com broke the silver bean thunder. In August, the investment house thundered. According to the data of the online loan home, there were 69 platforms in June. This data surged to 2 1 1 in July, and the number of mine storm platforms in August was 100.

Supervise the rescue of the market

During the thunderstorm, several regulatory authorities held several meetings related to online lending and issued several documents. It is a rare phenomenon that the regulatory authorities hold frequent meetings and distribute documents intensively. Supervision intervened in time and the limelight gradually subsided.

China Banking and Insurance Regulatory Commission convened a meeting of senior executives of four major asset management companies (AMC), asking them to take the initiative to help defuse the lightning storm risk of online loans.

On August 8, the Office of the National Leading Group for Special Remediation of Internet Financial Risks issued the Notice on Submitting the Information of Borrowers' Avoidance of Debts on Online Lending Platforms. According to the notice, the remediation office will coordinate with the credit management department to incorporate the above-mentioned information on debt evasion into the credit information system and the "Credit China" database, so as to restrain the relevant debt evasion actors. Yun Qi, an online lending platform, responded by reporting the information of debt evasion.

With the active intervention of the regulatory authorities, the online lending industry gradually stabilized and rebounded in the third quarter. According to the statistics of online lending house, by the end of 201810/,the number of active investors and active borrowers in P2P online lending industry were 242 1.600 and 2,746,800 respectively, of which the number of active investors increased by 6.50% and the number of active borrowers increased by 4.44%.

clear away

The deadline for filing is approaching. Exit or insist? This is a problem.

Since the publication of Circular No.57, many platforms know that there is no hope for filing, and choose to suspend business for liquidation.

According to the data of Online Lending House, in 20 18 and 1 June, 42 online lending platforms declared "liquidation".

As of February 4, 20 18, only three platforms in official website can visit normally. Except for a few platforms such as Jinyingu, Shanyingbao and Xinyu Online, which claimed to have completed the redemption before 20 18, the other platforms have not released the redemption plan and completed the redemption, that is, they closed their websites in a hurry.

Among them, Lingniao is one of the few platforms to announce the redemption plan. 20 18,65438123, The Link of Shanghai Online Lending Platform issued a notice of "compliance liquidation" in official website, stating that the platform officially stopped operating for filing on the same day, and will uniformly settle the user's principal ratio of 5%- 10% by the end of April 2018. Before the day of unified settlement of users' principal arrived, the actual controller of the bird was detained in criminal detention on June 30, 65438.

In an interview, the bird-catching controller said that in the second half of 20 17, nearly 90% of the new non-absorbing funds were used to make up for the losses in the early stage of bird-catching, and more than 20 million yuan lent by investors went into personal accounts.

Leading bird is the epitome of many platforms that claim to be "closed for liquidation", and P2P has become a tool for collecting money. The liquidation of suspension of business is false, and it is true to harvest investors in the name of "hopeless filing".

Redemption procedure

There are redemption routines every year, and there are many this year.

10 On the evening of June 5438+05, Lei Zhen, the founder of Youlingbao, published a long article. According to the article, the P2P platform Youlingbao will be shut down, not updated, and all communities will be dissolved. The creditor's rights of investors are converted into a token named XXST according to the ratio of 1: 1.

Unfortunately, investors didn't buy it, and the turnover of XXST began to drop sharply. Lei Zhen's trick failed and he was forced to flee.

10 June 19, qianhai aviation exchange issued the notice on revoking the service of exchanging principal for airline tickets. Investors can convert their creditor's rights into airline tickets with a minimum amount of 5,000 yuan (combination), or book airline tickets for family members and relatives.

1October 22 10, Ideality Bao issued the Announcement on Suspension of Tender Issuance and Liquidation Promotion Plan for Stock Business in official website. Ideality Bao has implemented four schemes to promote the platform inventory project with 100%. The second scheme shows that Ideality Bao uses the assets of Dolphin Sharing Charge Project as creditor's rights mortgage and debt offset.

The above platforms use aviation currency, airline tickets and shared charging treasures to pay off debts, and what's more, they collude with third parties to harvest investors.

Frontier wealth investors revealed that a third-party asset management company named "Zhongsheng Datang" intervened after the liquidation of the platform and bought the debts that were difficult to pay at a discount. At the beginning, Zhongsheng Datang requested 10% service fee. Subsequently, the cost increased continuously, with electricity urging 10% and ground urging 50%. In the end, only 30% is left to investors.

High-return death

The signal of filing extension is becoming clearer and clearer, and there are more and more platforms claiming to "close down and liquidate". At the same time, he indirectly killed the famous four kings of rebates in half a year.

Qian Bao Zhang Xiaolei surrendered himself to the police on February 26, 20 17 17, and he has defected to one of the four heavenly kings. 2018 65438+1On October 23rd, Tangya Finance announced its withdrawal from online lending, and Parker Yang, chairman of Chengdu Tang Ya Holding Group, surrendered himself on July 5th this year. On June 6, 20 18, the police intervened to investigate Tang, who had been dragging on for three years. On June 20 18, 2 1, Lian Bi financial official website could not be opened. At this point, Gao returned to the four heavenly kings and the whole army was wiped out.

Tang Xiaoyu began to go offline, claiming that the platform is not P2P. Qian Bao's model of "getting paid for doing tasks" has nothing to do with P2P. Tang Ya Jin Rong and Lian Bi Finance's wool rebate is too thick and won't last long. In order to attract customers, high-return platforms allow abnormally high interest rates. It is sustainable in the short term, and it is tricky to maintain high interest rates for a long time. The net outflow of funds continues, the trick of borrowing the new and returning the old is unsustainable, and the high-return platform cannot escape the end of destruction.

At the beginning of the year, although many platforms claimed to be "closed for liquidation", most of them were unknown. The more prestigious "Four Kings of Gao Hui", these pseudo P2P platforms have a greater impact on the industry than the former.

Numerous media criticized P2P through the fall of the four kings. The four high-return platforms are not pure P2P platforms, and it is really wronged to blame online loans. P2P practitioners haven't had time to cry foul, and the P2P platform has repeatedly closed down.

search

Up to now, hundreds of platforms have been filed and many people involved have fled. At present, the police all over the country have laid a tight encirclement and made every effort to arrest the fugitives who are pursuing online loans. In order to investigate and deal with online loan platform cases to the maximum extent and minimize the losses of investment groups, the police have never stopped arresting fugitives and recovering losses.

Police notices have been circulated frequently, and many suspects in online loan cases have been brought to justice. 65438+1On October 26th, CCTV and Xinhua News Agency reported that since June this year, the public security organs have successfully arrested more than 40 executives of fleeing online lending platforms suspected of illegal fund-raising.

As of press time, Tang Xiaoyu's real controller Wu Zaiping, Yu 'ebao.com's real controller Qin, Tourongjia's real controller Tu Yongdong, real controller, Qianmao CEO Zhang Xiancheng, founder, Yingbei real controller and some senior executives, 58 car loan real controller Xing Sen and his wife Nasu, Pufei service real controllers Lin Changli, Yuan Xulin, and Jiudouyu's chairman Xin.

Ordinary people should never take chances, stick to their own opinions and make mistakes again and again. Only by recognizing the situation clearly, cherishing the opportunity and surrendering to the public security organs as soon as possible is the only way out!

white list

While the police uncle pursued the suspect, the interrupted online loan filing was reopened.

Xinhua News Agency reported on August 4, 20 18 that the Office of the Leading Group for Special Remediation of Internet Financial Risks and the Office of the Leading Group for Special Remediation of Peer-to-Peer Lending and Online Lending carefully analyzed and summarized the situation of Internet financial risks at that time, and put forward clear requirements for steadily promoting the special rectification of Internet finance, especially peer-to-peer lending, and allowed compliance institutions to continue their operations. As determined by the relevant departments, institutions that basically meet the information intermediary positioning and various standards will access the information disclosure and product registration system and continue to carry out peer-to-peer lending business. After a period of operation and inspection, institutions with mature conditions can apply for filing as required.

The Multi-local Mutual Gold Association and the Financial Office have restarted the compliance inspection, and the filing work is being carried out in an orderly manner. A number of online lending platforms submitted compliance reports and sprinted for the final record.

On the evening of September 20th, China Internet Finance Association released the Statement on Assessment of Personal Peer-to-Peer Lending Depository System issued by 25 banks on the National Internet Finance Registration and Disclosure Service Platform. This marks the official release of the list of the first batch of depository banks evaluated by the Association.

As of press time, 42 banks have passed the depository assessment.

Small and medium-sized platforms have been retired

In the process of filing, many platforms will inevitably be forced to withdraw from the online loan industry.

This year 1 1 month, it was reported in Hangzhou that the platform with insufficient stock 1 100 million would be retired. A few days later, the news that the online lending platform with a scale of less than 50 million yuan will not be filed in Beijing spread like wildfire.

According to the statistics of public information, at least seven online lending platforms have recently withdrawn or transformed in response to the regulatory requirements, namely, noble loan, money loan, sunshine gang, smooth financial management, gold, bench financial management, China network and so on.

be listed

A small platform is like a lonely boat, and it is forced to liquidate due to strong winds and waves. Other platforms set sail for the sea and listed in the United States.

In 20 17, many domestic online lending platforms, such as trust wealth, credit and auction loan, went public in the United States. 20 18, the micro-loan network of "First Car Loan" and Fan Hua Finance of "First Mortgage" were listed one after another.

In the early morning of Beijing time165438+1October15th, Tairan Finance submitted an IPO application document to the US Securities and Exchange Commission (SEC) to be listed on the New York Stock Exchange.

On the same day, the micro-loan network was officially listed on the New York Stock Exchange.

Li Jinxiang, CFO of Microfinance Network, said that the significance of listing on Microfinance Network is not to raise funds, nor is it the end point, but another higher starting point and beginning for the compliance development of Microfinance Network.

By extension, filing on the online lending platform is also not the end, but another higher starting point and beginning.

The "first year of online loan filing" is about to go away, and the "two years of online loan filing" is gradually approaching. Non-compliant platforms continue to be cleaned up and policies are clearer. 20 19 online lending industry will definitely go well.

At least, it will not be worse than 20 18.