Give a cross-border case and everyone will understand. Old Rong Zhi, a female killer in Jiujiang, Jiangxi Province, actually only did evil from 1996 to 1999, and she committed a serious homicide. In the next 20 years, she didn't do anything bad, but lived an active life and got along well with others without hurting anyone. But isn't she responsible for the bad things she did in the end? Can she be exempted from punishment for not doing evil behind her back? Later rehabilitation and self-salvation can't let her escape the punishment of the law. Mr. de believes that she will eventually be sentenced to death and pay for the sins of those ghosts.
So is McKinley, even worse than him. When I was a so-called online loan financing platform, did I do less myself? Is there less deception to investors? Do you make less illegal loans? Have you stopped being a usurer? If they don't have an accident, they can land safely or get the so-called national financial license in the future, which is a slippery record!
Investors are also poor, of course, there are many hateful places that need self-reflection. As long as you look at the financial platform website of Wheat Financial Services, you will know that the financial benefits can be as high as 10%. How can this be achieved? Even if it can be achieved, it is only a high risk. It is impossible for investors to have a risk-free high return of 10%, which seriously violates the logic of financial investment. All such high-interest financial platforms can be called fraud platforms and illegal fund-raising platforms if they still claim to be risk-free.
Wheat financial services should only do online loan matching, but in fact, he has become self-sufficient and has become his own investment and lending. Where did he get the capital to buy a so-called small loan company? Isn't that the investor's own money? He went to carry out those "wheat loans", "white-collar loans" and "malt staging", all of which were loans from his affiliated companies, which seriously violated the business essence of online loan matching. Moreover, the loans are all high-interest loans, which are suspected of usury and violent collection. We can define wheat financial services in this way. It is an out-and-out illegal fund-raising platform, an out-and-out usury lending platform and an out-and-out illegal unlicensed financial company.
In fact, McKinley should have been investigated long ago, but in the past two years, he has been engaged in the so-called backdoor listing scam, the so-called state-controlled capital increase and share expansion scam, and the so-called benign redemption scam to deceive investors. Use this scam to confuse the regulatory authorities, confuse investors and confuse borrowers to prolong their illegal behavior and try to save their own destiny. In the end, everything will be restored to its original state, and now it is a dead end to be investigated.
To sum up, this time once again sounded the alarm for many investors. The alarm bell has sounded n times, so we simple investors should be on our guard. Mr. Dede has repeatedly warned not to participate in any such investment before the online lending platform is successfully filed. Go to the column of "Financial Stickmen" to learn Mr. De's theory and viewpoint.
Wheat Jin Fu is an online loan company, with assets and funds. The capital end mainly includes Nuo Nuo Pound and Grandpa God of Wealth, and the assets end mainly includes big landlords and white-collar coffers. Nuo Nuo Punk is recognized as a mysterious company in the industry. According to the insiders, pulling strings is not Huang, CEO of McKinley, but someone else.
Maizijinfu pays great attention to the brand. The brand has done well, such as introducing lufax and Alibaba related executives. Mckinford did a good job in building such a brand of star executives in the early days, but a series of subsequent operations made people puzzled. A number of senior executives frequently resigned, such as the CEO of Nuo Nuo Boko, the chief operating officer of Aiko Jin Fu, and the CEO of Grandpa Fortune. There are two reasons why executives frequently resign. 1 There is something wrong with the operation, and the second one is different from the founder's idea. Personally, I think both exist. There are still some operations that are incomprehensible.
For example, I took a stake in a small loan company and wanted to go public in ASDAK, but later I fell out with the small loan company.
This year, CEO and COO were introduced, but the probation period did not pass. It is not so much that the chief operating officer and CEO failed the probation period. It is possible that the CEO and the chief operating officer found that there was a problem with the assets paid by Wheat Financial Services or the operational compliance, and voluntarily resigned.
It is only a matter of time before wheat financial services are investigated. There are fund pools and self-raised funds at the fund end. Take Grandpa God of Wealth as an example. Grandpa God of Wealth is a current wealth management product, while the loan period on the asset side is long-term. For example, there is a mismatch of funds, which is prohibited by supervision. Let's talk about self-financing. With the mismatch between the fund pool and the funds, there will inevitably be room for self-financing. Although wheat financial services exist in banks, funds may be surrendered to related assets.
To sum up, wheat financial services were censored by the police because of fund mismatch, fund pool and self-financing. The problem of wheat financial services has already appeared, but I didn't expect it to last until today.
Before the dawn of P2P filing and rectification is coming, Shanghai Maizijinfu was put on file for investigation by the public security organs for allegedly illegally absorbing public deposits, and 15 executives were prosecuted, including Huang, the founder of Beauty after 80s.
According to reports, Huang Zeng, CEO of post-80s beauty, founded 47 companies, served as the legal representative of 10, and was awarded "TOP 10/0,438+04+13, the most influential person in Internet finance in 2065".
But the facts are always so unpredictable. The news that McKinley was put on file for investigation was a bolt from the blue for many lenders. By August this year, the loan balance of wheat financial services was 2.438 billion, with nearly 30,000 borrowers, and the per capita remaining loan amount was more than 80,000 yuan. According to CCTV news reports, some people have invested more than 2 million yuan, and in recent months, they have invested more than 6.5438+0.5 million yuan. This kind of investment for the sake of high returns regardless of risks is really dangerous.
Maizijinfu was established in March 20 15. Its predecessor is the P2P platform Nuo Nuo Pounder. It was first established in 2009. Many early investors should have heard of this name. The Internet financial platform, which lasted for 10 years, is now being investigated for illegally absorbing public deposits, which shows how complicated the financial market environment is.
At present, there are still more than 400 P2P companies operating. It is estimated that McKinley may not be the last platform to be investigated. Investors must keep their eyes open and protect themselves in the complex financial market environment. After the platform is investigated, your own funds will not be free.
Due to the explosion of a large number of P2P mines last year, investors should gradually reduce their investment or even withdraw completely. Unless you know this platform very well and make sure that its assets are legal and its operation is compliant, even so, you should not invest all your money in such a high-risk field. It is obviously too risky to invest more than 6,543,800 yuan in a platform.
The problem of wheat financial services has emerged. Huang once claimed that there was no fund pool on the platform and there was no self-priming problem. As for how to explain the alleged illegal absorption of public deposits, we can only wait for the investigation results and judicial decisions. For investors, only by cooperating with the public security organs, do a good job in the registration of related assets, strive to do a good job in bankruptcy liquidation as soon as possible, and minimize investment losses.
Wheat assets were seized by Shanghai Public Security Bureau on June 24th. 165438+. According to official reports, Wheat was established in 2009, engaged in online lending business, covering 34 provinces and administrative regions across the country, with more than 65.438+02 million registered users, matching more than 76.5438+00 billion, and helping customers earn more than 65.438+00 billion. It also passed the strategic investment of Haitong "Haitong Innovation". In contrast, wheat, even the peaceful "lufax", is famous and popular for a while. Why are they involved in illegal fund-raising now? It has been "closed platform".
It should be said that p2p is the biggest way out after the "internet plus" strategy of 14- 15 is put forward. The so-called "mutual fund", "financial control" and peer-to-peer lending are popular all over the country. Since Shenzhen, the once-ubiquitous cottage mobile phone companies have been replaced by "mutual gold" companies, the so-called p2p online lending companies. There are almost no high-end CBD areas without online lending platforms. And it is "gathering".
Judging from the first major online loan accident in China, it is "e-rental treasure".
15, 12, e-rental treasure is suspected of illegal fund-raising, 16, 10, and the police announced that the amount involved in e-rental treasure reached 50 billion. However, the e-rental incident has aroused the management's vigilance against the dangers of similar online lending business. 14- 15 the emergence of a real volcanic eruption in the bull market and the capital allocation tuyere triggered a huge "financial tsunami"?
With the thunder and rain of more online lending companies, "running the road" has once become a very concerned issue for many investors who invest in online lending platforms. At the most ridiculous time, Shanghai Stone once conducted "industry self-discipline", and the industry alliance issued an appeal of "Don't run away".
In fact, no matter the wheat assets, e-rental treasure or the provinces that are the first to have an accident, online lending platforms have started to shut down. From a realistic point of view, online lending platforms must involve "illegal fund-raising" and "usury", but "illegal fund-raising" and "usury" appear in the name of "whitewashing" and "legalization". There is a simple reason. Anyone who can absorb investment (deposits) and lend money, as long as it is a "non-banking system", will inevitably have huge regulatory loopholes:
First, capital supervision.
Second, the statutory reserve supervision.
The third fund is to invest in detailed supervision.
Fourth, fund pool supervision.
Fifth, interest rate supervision.
These regulatory loopholes will inevitably encourage money laundering crimes, gambling crimes, illegal fund-raising and usury. There is a simple reason. As long as you can't borrow money from the bank, it basically belongs to "no asset mortgage" and "no running water", and the lack of "tax payment certificate" does not meet the bank's loan conditions, but the loan that does not meet the bank's loan conditions itself has "uncontrollable risks", "repayment ability" and wrong capital investment. In other words, anyone who borrows from online lending platforms basically has no repayment ability, and anyone who invests in online lending platforms hopes to obtain "usury income". So, how many such investment opportunities are there in the real economy? Can you guarantee the financing and investment of online loans? Without "supervision", it is bound to be chaotic.
Therefore, we can only say that the price of p2p, mutual funds, online loans and barbaric growth is gradually exposed, and will eventually be completely exposed and completely banned. Even a company of lufax's size has exposed tens of billions of bad debts. How do other companies compare with lufax, which relies on Ping An?
First of all, we must clarify several concepts. What is the first McKinley suit? Second, why is Mai Jinfu suspected of illegally absorbing public deposits?
First, the wheat financial service is P2P.
Wheat Jinfu itself is a P2P platform. P2P was officially positioned as an information intermediary after the four ministries jointly issued the Interim Measures for the Management of Business Activities of Information Intermediaries in Peer-to-Peer Lending in August 20 16. Information intermediary is an organization that makes use of the asymmetry of the market and obtains intermediary profits by providing information. The profit model of information intermediary is relatively simple, and it only provides matching services, risk assessment, information disclosure and other additional services.
On the compliant P2P platform, after the platform is successfully matched, the lender and the borrower form a corresponding creditor's right relationship, and the lending funds of platform users are directly transferred from the lender's account to the corresponding borrower's account by the fund depository bank. User funds are completely isolated from platform funds. As an intermediary, the platform provides matching services for borrowers and lenders, and charges them a certain service fee, and does not participate in the transaction itself.
This is the proper positioning and mode of P2P. In other words, if wheat financial services are positioned according to this position, they will be considered as compliant operations, and even if they are overdue, they will not violate the rules.
Second, why is Wheat Jin Fu suspected of illegally absorbing deposits?
However, if the platform violates the above principles and makes its own pool of funds, the platform funds cannot be separated from the customer funds, and the customer funds are obtained through false financing, then it is not P2P.
The crime of illegally absorbing public deposits stipulated in Article 176 of China's Criminal Law refers to the act of illegally absorbing public deposits or absorbing public deposits in disguised form in violation of national financial management regulations, disrupting financial order. The key to accurately understand the crime of illegally absorbing public deposits is to adhere to the unity of the unspecific subject of the crime and the concrete harm to financial order.
The following acts constitute the crime of illegally absorbing public deposits: (1) illegally absorbing public deposits or absorbing public deposits in disguise;
(2) illegally raising funds from unspecified objects in any name without legal approval; (three) illegal loans, settlement, bill discount, capital lending, trust and investment, financial leasing, financing guarantee, foreign exchange trading; (4) Other illegal financial business activities identified by the People's Bank of China.
Mai Jinyi was found out, probably because of several practices, and embarked on the road of illegally absorbing public deposits:
1, the company's funds and customers' funds are not isolated, and even the customers' funds are misappropriated to make a cash pool.
2. The enterprise is likely to be responsible for its own profits and losses, that is, it uses the affiliated enterprise to design financing as the financing target.
3. False bidding financing. In order to realize the capital circulation, it is likely to package some false investment targets, defraud investors of funds, and rob Peter to pay Paul to form an internal circulation.
Therefore, not all platforms with overdue bad debts will be filed. As long as you don't touch the legal red line, even if there are overdue bad debts, you can pursue them with the assistance of the regulatory authorities. Wheat financial services have not kept the policy bottom line of supervision until today.
You really have to be careful when playing p2p now. You want people's interest and people want your principal.