Writing | secretary-general
Produced by | Consumer Finance Channel
Fei Da Dai Yun, who wanted to get rid of the online loan label completely, finally tripped over the online loan.
Recently, the Haigang Branch of Qinhuangdao Public Security Bureau publicly issued the Notice on Accepting Cases of Illegal Absorption of Public Deposits by Companies such as Xigang Road Branch of Dafei Qinhuangdao in Haigang District. The police said that they have accepted cases of illegal absorption of public deposits by companies such as Dafei Qinhuangdao Xigang Road Branch in the seaport area. In order to promote the detection of the case, the offline lender of CMA went to the police station or the Economic Investigation Brigade where the contract was signed to register the case.
Earlier, a person familiar with the matter revealed that the police in Chaoyang District of Beijing had filed a criminal case against Dafeiyun for allegedly illegally absorbing public deposits. Because there is no official notice from the police, the news about Dafeiyun loan filing has not been confirmed.
Now the news that Du Fei's cloud loan has been filed has been confirmed. It may be that Du Fei is helpless for police intervention. After all, bad debts have come down, and lenders have long defended their rights, which can't solve the problem from the root. Referring to the online lending institutions that were filed by the police in the past, the collection of Dafeiyun loans may be smooth with the assistance of the police, but the credibility and transformation vision are out of the question.
The Consumer Finance Channel also noted that 27 branches of CMA Cloud Loan across the country have been cancelled, including CMA Pratt & Whitney Wealth Investment Management (Beijing) Co., Ltd. Qinhuangdao Branch. After CMA Pratt & Whitney Wealth Investment Management (Beijing) Co., Ltd. was renamed CMA Cloud Loan Technology (Beijing) Co., Ltd., CMA always wanted to get out of the online loan business, as stated in the transition announcement:
"The transformation of outstanding head mutual fund institutions into licensed institutions has become the general trend of industry development. The P2P lending business involving micro-lenders in the cloud lending business has not met the requirements of the company's development under this general trend. "
According to industrial and commercial data, Fei Da Dai Yun was established on October 30th, 20 12, with a registered capital of 500 million yuan and its legal representative is Zhang Shuping. The major shareholder of Duffy Cloud Loan is Shenzhen Duffy Technology Holdings Co., Ltd. After the equity penetration, Gao Yunhong is the actual controller of Duffy, with an indirect shareholding ratio of 92.22%.
Gao Yunhong is not only the actual controller of Duffy Cloud Loan, but also the founder and ultimate controlling shareholder of Xu Tong Holdings, a Hong Kong-listed company. Xu Tong Holding Company was originally named "Fei Da Holding Company". Before and after Fei Da Yundai was put on file, Fei Da Holdings made a special announcement, changing the company name from Fei Da Holdings Limited to Xu Tong Holdings Limited, and trying to distance itself from Fei Da Yundai.
In fact, thanks to the online loan business of CMA Cloud Loan, CMA Holdings' performance was once very beautiful. 20 19 semi-annual report shows that CMA Holdings achieved revenue of HK$ 641000000, a year-on-year increase of 109.44438+08%. The net profit was HK$ 654.38+82 million, a year-on-year increase of 74.83 times.
165438+ 10, Xu Tong holdings announced that Jing Wong resigned as chairman and executive director of the board of directors for personal reasons due to investigation by the judicial authorities. Xu Tong Holdings is in a whirlpool, or it is related to Dafeiyun's loan application.
In the field of online lending, Dafeiyun's loan path is very wild and even becomes a nightmare for many borrowers. A borrower once told the consumer finance channel that he borrowed 26,500 yuan from Dafeiyun in three batches and needed to repay 60,800 yuan. After paying off the loan for half a year, he couldn't afford the high interest and had no money to pay it back.
The loan products of Dafeiyun Loan are accused of high comprehensive interest rate, and the fees charged include various additional fees such as service package, basic service fee and quality guarantee. Among them, the quality deposit will be drawn immediately at the time of lending, according to the principal of 10%-20%. Although it will be refunded after paying off the arrears, it will also be included in the loan principal to calculate interest.
When the borrower is overdue, Dafeiyun Loan also launched a reverse loan product, which increased the borrower's debt burden in disguise. The salesman of Dafeiyun Loan cooperates with the backstage to increase the borrower's loan amount, and then the borrower will reduce the loan amount after paying off the bill, which is about 10000 yuan, excluding the interest on the bill. The comprehensive interest rate of reverse loan products is extremely high, with monthly interest 15%, service fee of 20% and quality guarantee fund 10%.
The product design that is more "innovative" than reverse loan is "overdue to long-term" (also called "long-term") product, which invalidates the overdue borrower's old debt and signs a new contract with the borrower according to the sum of the previous loan principal and interest and penalty interest. In essence, this model still relies on loans to support loans.
Due to the alleged non-compliance in the product design of the asset side, the investors of Dafeiyun Loan Co., Ltd. also frequently stepped on the thunder. Dafeiyun cooperates with many banks and consumer finance companies, such as Yin Bao Consumer Finance, BOC Consumer Finance, Hubei Consumer Finance, Shanxi Consumer Finance, Huaxing Bank, Shizuishan Bank, etc.
According to "Consumer Finance Channel", there are still consumer financial institutions busy collecting borrowers from Fei Da Cloud Lending Platform. Jinshang Consumer Finance cooperates with Duffy Cloud Loan to lend, with Jinshang Consumer Finance as the funder and Duffy as the lending platform. Many users borrowed money from Dafeiyun and returned it in full and on time, but now it has been collected by Shanxi consumer finance.
The problem of cooperation between the two parties eventually led to the user's normal repayment but overdue credit reporting, which really made the borrower miserable. In the face of the borrower's complaint, Jinshang Consumer Finance said that CMA did not return the money to the platform, and if the borrower did not repay in Jinshang, it would report it to the Credit Bureau. Fei Da Dai Yun said that the management owes Fei Da a settlement, and the company's top management has been communicating with the management to solve it, but the management has not given a reply.
Compared with other online lending institutions, the overdue assets of Dafeiyun Loan are more serious, mainly because borrowers are dissatisfied with the high comprehensive interest rate and low repayment willingness. For example, the quality guarantee money collected by Dafeiyun Loan is essentially similar to beheading interest. Although it will be returned to the borrower, the borrower needs to bear the interest generated by the quality deposit as the principal.
Using the interest rate of pattern packaging, Dafeiyun finally tied himself up. In the face of overdue debts, in order to safeguard the rights and interests of the lenders, Fei Da Dai Yun, whose reputation is in a mess, took the form of a collection team of lenders to collect debts, and launched a claim activity in an ingenious way. The amount claimed exceeds 654.38+08 billion, and the number of claimants is nearly 10,000. After the lender claims the creditor's rights, it will contact the matching borrower to negotiate repayment.
In addition, the main focus of the Capital Market Authority at present is to raise funds through nationwide legal proceedings. Fei Da said that for stubborn overdue borrowers, Fei Da adopted arbitration and litigation, put borrowers who maliciously evaded debts into the credit blacklist, and continued to recover debts.
The data shows that CMA has opened more than 200 litigation channels in China, and initiated a large number of litigation work in more than 30 regions including Hebei, Heilongjiang, Yunnan, Sichuan, Shandong, Jiangxi and Inner Mongolia, and entered the stage of filing or execution.
65438+On February 26th, 2008, CMA Cloud Loan issued the "Notes on the Recent Work Progress of CMA Platform", which mentioned that from the single traditional dunning to the current legal action, it is easy to make dunning, again and again; From a single form of exchange to the opening of real estate and shopping malls for diversified exchange; At the same time, in order to open up sources, a number of new businesses such as installment transfer and debt optimization have been launched.