Heng Chang, will Guanqun go bankrupt?

I don't know much about Guanqun's words, waiting for other netizens' answers. Let me talk about Heng Chang. Take Heng Chang as an example. The transaction volume of P2P is 7 billion per month, and the staff size is about 2 W. The profit rate of P2P comes from the loan side. The loan interest rate is 20 MINUS 9% of the customer's income, and the remaining 1 1% excludes the normal expenses of the employees and the company, which completely guarantees profitability. A normal company, as long as it is profitable and has a large business scale, will not go bankrupt easily.