This week, Dianrong.com, a well-known P2P platform, released a recent work report on Dianrong. The report mentioned that in recent months, the outsourcing collection agency of the platform could not work smoothly because of closure and control. Only the platform's own collection team insists on working from home, but the communication efficiency of electric reminders is always at a low level, and the recall rate is almost zero.
From February to April, only 300,000 calls were received from the team every month. The platform has entered the overall overdue state, and the overdue rate is as high as 99.9%.
On June 5438+065438+ 10 last year, Dianrong.com issued a notice of platform expulsion, which was the first positive response since the payment was stopped in 2020. * * * Give three exchange methods: cash withdrawal, mall points exchange withdrawal and localized creditor's rights replacement withdrawal.
However, only three months later, this year1October 7th, 65438, Dianrong.com issued the Announcement on Closing the Cash Creditor's Rights Transfer Channel, announcing that the company would stop the cash withdrawal channel function on June 30th, 2023. The explanation is that the creditor's rights acquired by the third-party platform are not handled smoothly, and the payment is less than expected, so the related business needs to be suspended.
This is simply unacceptable to lenders, hoping to solve the problem by filing a case. In this regard, Dianrong.com executives also said: Not filing a case is more conducive to a refund. It says: No case is filed, the platform is there, the assets are there, and some people collect it; After filing the case, I checked the platform and the asset side, and no one accepted it. The borrower's repayment can only rely on the borrower's consciousness.
However, it was not long before Dianrong re-launched the "one-time payment" function. After using this function to complete one-time payment, there will be no creditor's rights relationship with Dianrong.
It is worth noting that Dianrong.com mentioned in the announcement that "the lower the set redemption ratio, the easier it is to successfully review" and "the application can be redeemed at one time and cannot be recovered after successful review".
This means that the lender will discount the creditor's rights it holds, and the discount acceptable to Dianrong.com will be approved. From the front, at least 2-3 fold is possible to pass through the discount channel.
This puts the lender in a dilemma, either forced to bleed heavily, leading to the "fracture" of the principal, or it may lose all its money. Through the recent "no money announcement", it seems that a 30% discount on the principal has become an extravagant hope.
PPmoney closes the discount redemption channel
In other words, if you don't submit your application in the middle of the month, you won't get a discount.
The announcement pointed out that it is extremely difficult to collect the remaining assets due to the double influence of the epidemic and the evasion of debts. Some borrowers can't repay their debts with monetary funds because of economic difficulties or business failures, so they can only pay their debts in kind.
From "soliciting opinions" to "progress" to "final confirmation", and then the cash channel was officially closed on May 15. PPmoney has no choice but to give the final retreat plan of "paying debts with things".
During this period, PPmoney also held an online CEO exchange meeting, which revealed that PPmoney is currently in trouble, the callback rate continues to decline, and it will be more difficult to collect money in the future.
Among them, CEO Hu Xin revealed that the reason why PPmoney is in the current predicament is because of the loan from Feidayun. He said: "At that time, Feida engaged in many fake projects and transferred assets. We were badly cheated by Feida. However, due to the characteristics of the P2P industry, there has been no report so far, and Feida has transferred the lender's money and has not yet returned it. "
Indeed, Feida Cloud Loan is still at large, and its staging has been criticized by the industry.
Among them, the auction mechanism is used to pay off debts with cars, and the highest bidder gets the car at the end of the auction. The first car on the line is Toyota Crown 2.0 displacement sedan with license plate 20 17 and mileage120,000 km, which was picked up in Guangdong.
It is beneficial to online rumors and slightly shows the "combat power" of financial management
Last month, some lenders abused platform employees and even had physical conflicts in the process of communicating with microfinance. Because the platform staff kept rational restraint, no adverse consequences were caused.
Live martial arts performance
Subsequently, Microfinance announced that the public strongly condemned this behavior and said that the retirement plan was still implemented according to plann.
At present, many platforms, such as Dianrong.com, Wang You, Pioneer Finance/Online Information Platform, Jiufu and PPmoney, have launched many drop-off channels, including cash discount channels, commodity exchange and creditor's rights. But judging from the reaction of lenders, the satisfaction of these channels is not high.
At present, all platforms have no operating income, and the collection depends entirely on outsourcing. The amount charged also includes the cost charged, and low discounts and other payment methods are also helpless.
For the filing that most lenders expect, the payment efficiency may not be accelerated. Just like the group loan network tried last month. From 2065438 to March 2009, the case was put on file for investigation, which lasted for three years. The same is true of Barley Finance, a P2P company that opened on May 16. As early as June 2020, it was put on file for investigation.
Moreover, the test results can not meet the market expectations. After all, many P2P platforms are insolvent, and many cases are delayed.
After all, let the platform manage it.
It is easy to go to jail, and solving the debt problem cannot be solved overnight. Officials still expect the platform to be able to pay back the money, try to minimize the losses of lenders and give the platform a chance to "make amends".
In fact, P2P platform can do very little on the road of cracking down on debt evasion gangs. At present, the collection method is limited, and debt evasion gangs are attacking it. They expect the platform to be put on record and cancelled, so that the living debt can be abolished without paying back the money. This is actually a life-and-death race.
Only the active intervention of the judiciary can deal a strong blow to the group of "evading debts", make it possible to collect money and bring hope to the borrower's payment.
The P2P platform can't continue to operate, and it is understandable to quit in a benign way, which also meets the policy requirements. However, as a responsible platform operating enterprise, it is the ultimate destination to actively cooperate with the regulatory authorities to crack down on debt evasion and make every effort to reduce the losses of investors.
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