According to the police report, Yi Deqin, the actual controller of the company, said that his company's fund-raising business activities could not be paid to investors because of the broken capital chain.
Positioning of the silver ticket. Com is an information intermediary platform focusing on small and medium-sized enterprises' bill borrowing, which mainly promotes bank acceptance bills, supplemented by commercial bills, such as online pure silver tickets, commercial bill loans, etc.
The operation mode is that the corporate borrower puts the bill in the custody bank and signs a loan agreement with the investor on the online banking system. If the borrower repays the principal and interest on time, it will be delivered directly to the investor. If the principal and interest cannot be repaid on time, the issuing bank will accept it unconditionally.
Then the question is, what will lead to the break of the capital chain for a platform that acts as an information intermediary for bill loans?
If the platform operates normally according to its own positioning and compliance, the capital chain cannot be broken. First of all, as an information intermediary platform, these funds have nothing to do with the platform; Even if part of loans overdue, the issuing bank has the responsibility to accept it; Moreover, if there is overdue, it is only overdue marked with problems, which will not lead to the break of the entire platform capital chain.
There is a saying that according to the feedback from the on-site employees, Yi Deqin apologized to the employees before being taken away, and admitted that he borrowed 40 million usury loans and could not repay them. Uh ... how can the bill business be related to usury?
What I want to emphasize here is that bill financing looks very safe, but once there are false bills, investors will face the risk of no principal and no interest.
Nowadays, it is very difficult to forge bills. Banknotes are printed by the mint and distributed by banks. They can only be generated when they are real business transactions. Provide invoices, contracts, deposits and so on.
Although it is difficult to forge bills, it is much easier to make false marks. For example, the bill in the target applies a picture that they don't have at all.
In addition, it may be a term mismatch. The actual maturity date of some bill customers on the platform is not the maturity date of the bill. For example, your flower bud repayment date is 9, but the salary payment is 15, and the inflow and outflow do not match.
It is also possible that the interest promised by the platform to investors is too high and it is difficult to pay. Compared with other assets, the interest rate of bills is lower. In order to attract customers' investment, the platform does not rule out using high interest as an incentive.
Silver ticket. Com was still issuing coupons the day before the actual controller surrendered. During this period, various high-return and wool activities were also launched through various channels. According to observation and statistics, there are as many as 18 rebate schemes for the silver ticket rebate platform. Com, the return rate of initial investment is as high as 24%, and the reinvestment rate is as high as 2 1%.
The above is just an objective analysis: the possible reasons for the break of the capital chain of a bill loan information intermediary platform, and then we will look at the silver ticket network itself.
Silver ticket. Com was established on October 9, 20 14, 10/kloc-0, with a registered capital of100000 yuan (paid-in 50 million yuan). According to the operation data of official website, its accumulated turnover exceeds1400 million yuan, the total amount of outstanding payment is 460 million yuan, and the total registered number (investors) is 690,900. The average loan amount is 944,500 yuan, and the total number of borrowers is 5 1 1.
According to Sky Eye, Yinpiao.com's shareholders are Yinjia Zhilian Technology Group (holding 95% of the shares) and Shanghai Qin Hao Enterprise Management Consulting Partnership (limited partnership), both controlled by Yi Deqin.
With regard to filing, according to the information disclosed by official website, the registration information of local financial regulatory authorities and the corresponding telecom business license information have not been successfully processed.
Silver ticket. In official website, com claimed that Shanghai Bank deposited funds, but asked Shanghai Bank for verification. The customer service said that up to now, the agreement of this platform depository system has been terminated and the system has been offline.
In addition, the main information of the platform is disclosed as follows, and two examples are found. Most platforms are such format templates, which are relatively simple as a whole and difficult to distinguish between true and false.
The above is only an analysis, and we have to wait for the police to inform us of the results. Investors should keep investment records and various materials and exchange information with you more.
Finally, you must be cautious when you take money out to invest. We should not only see the benefits, but also the risks. If it is a large investment, it is necessary to fully understand and analyze the business, operation and background of the platform. Don't listen to other people's opinions and be superstitious about so-called "experts". After all, the money is our own.
Remember, keep a high degree of vigilance against platforms that promise high returns and poor transparency.