This article may have touched some gray areas of the industry, so it is likely to be harmonious. I suggest you check it at the first time.
1.0
Micro-loan network: an asset management plan with natural maturity and unified repayment. Which of the two schemes is better?
This week's micro-loan topic basically revolves around this.
In addition to the previous repayment plan, last week, the micro-loan network pulled out a second plan, and the lender decided to package the assets to AMC for disposal. The payment period is shortened to 18 months, and the annualized interest of 2.25% is paid on the basis of the original principal of creditor's rights.
It should be noted that in the new scheme, AMC Ningxia Shunyi Assets Co., Ltd. does not directly sign a creditor's rights transfer agreement with the lender of the micro-loan network, but transfers the creditor's rights to Hangzhou Kunpeng Non-financing Guarantee Co., Ltd. through confirmation, and Hangzhou Kunpeng and Ningxia Shunyi Assets will uniformly dispose of the micro-loan assets, and then Hangzhou Kunpeng will return the funds to the lender.
In fact, the relationship between Hangzhou Kunpeng Non-financing Guarantee Co., Ltd. and Microfinance Network is also very subtle. Wang Shuangfei, the major shareholder holding 60% of the shares, is the director of Deqing Fanglve Network Technology Co., Ltd., a subsidiary of Microfinance Network, and He Shuang, the second shareholder holding 40% of the shares, is the attorney of Microfinance Network. Both of them are closely related to the micro-loan network. After careful tasting, most people feel the smell of conspiracy.
At present, the micro-loan network has an urgent desire to implement the second scheme, and the promotion process can be described as gradual.
Node 1: At the meeting on April 22nd, Yao Hong formally put forward the second plan, which changed the earlier statement of 20% discount, and promised that after signing the contract, everyone could get full repayment of principal and interest.
Time 2: Promise to use the micro-loan network to guarantee unlimited liability, and the lender's personal asset guarantee request will be directly rejected.
Time 3: The official group of the micro-loan network began to update the data list of the second signing scheme, and the users who insisted on the "first scheme" started to pay later.
Time 4: The vice president personally hangs up and leads the employees to lobby the lenders one by one. I suggest you switch to scheme 2 in time.
Time 5: Yao Hong issued a supplementary statement, and changed his mind to provide unlimited guarantee liability with all assets under his name.
Time 6: Officially launch the "charge refund" system. For lenders who have not signed a new asset management plan, the amount of compensation will be changed to "net principal".
Try my best to get everyone to go to the second plan.
Moreover, in the whole process of the second plan, we can clearly feel Yao Hong's compromise, and the personal unlimited protection agreement that was unwilling to sign earlier finally landed. JG must have played a very important role in it.
What do you think of the second plan?
Mainly from three aspects.
(1) The asset management plan is definitely beneficial to small loans.
Through the second scheme, micro-loan can easily throw out the hot potato of junk debt.
At present, small loans are largely restricted by the original overdue assets. The consequences of unfavorable payment are endless negative. In order to solve this problem, micro-credit can only put all its energy, manpower and material resources into the collection of the platform at present, and basically maintain the acceptable profit point of loan assistance.
But if you package the creditor's rights to AMC, it will be different. When the collection work is transferred to the relevant guarantee companies and asset management, the platform will get a certain buffer period. At this time, micro-loan can get rid of everything and restart the loan-helping business. Kick out junk assets after making a profit, and the financial report will look good. It is meaningful to keep the shell of listed companies and transform them by the way.
In addition, after the introduction of AMC and guarantee companies, the responsibility was transferred to a third party to some extent. For example, in the subsequent collection, if the platform does not directly participate in the loss, this pot may not be deducted from the micro-loan. In short, every step will increase the possibility of playing football.
Finally, the signing of the transfer agreement is confirmed by the lender himself. Once the terms are confirmed, they have legal effect. The platform has the right to dispose of assets within the scope agreed in the contract. You must understand this before signing the agreement.
JG is also quite difficult to do.
In the final analysis, micro-loan network is essentially a tripartite matchmaking tool for borrowers and lenders.
After three months of WQ, there is no phenomenon of self-financing, false bidding or even misappropriation of lender's funds. As for the publicity of lending, given that it is a listed company, Microfinance Group is also cautious in this regard. It has done a good job in advertising, investment risk warning, and marking the expected rate of return. From these aspects alone, it is still relatively compliant.
At present, JRB mainly focuses on fraud in the capital market. Micro-loan, a platform that normally performs the tripartite nature, is really difficult to intervene.
At present, we are deeply involved in micro-lending because we are afraid that the huge losses caused by lightning will affect social stability, so we should supervise the payment of the platform to prevent worse events from happening.
Although JRB only has the right to supervise the P2P platform, the illegally absorbed trump card can still be used.
Of course I will deal with the principle, but you can't interfere with what you ask me to do. So now there are many routines, such as debt-to-equity swap, debt-to-equity swap and so on. Everyone is playing with the ball. On the surface, it seems that the lender has the so-called option, but in the end, everyone is forced to choose and there is no substitute.
(3) For the lender, Scheme II has advantages and disadvantages.
On the positive side, Yao Hong provided unlimited joint liability guarantee, and the asset handling ability of AMC professional asset management company is definitely better than that of ordinary P2P platform. For some lenders, it is a fact that they can recover their investment principal more quickly. After all, what they have in their pockets is real, and the more their assets deteriorate, the more serious they become.
The downside is that the involvement of AMC and affiliated companies has buffered the micro-loan network to some extent. Once the water is muddy, the responsibility will become more and more unclear, and the routine of subsequent harvesting may become more unscrupulous. At that time, the game may gradually evolve from the current 1v 1 battle to a new 1V3 melee, which is quite a headache to think about.
What we are facing now is that there are wolves (AMC and guarantee companies, even if they don't sign, they are LA) and tigers (make up the difference).
At present, the voice volume of AMC scheme has exceeded 60%, and more and more voices are gradually inclined to the second scheme. Nowadays, in many exchange groups, the voice of the first scheme is getting weaker and weaker.
Good wishes! ! !
2.0
Love of money: the last self-help ...
The progress of credit reporting has been broken, and the debts have stagnated. The recent love for money is really disappointing.
The last article also directly pointed out the problems of love of money, high profits and high bad debts. It covered up the high bad debts by brutal and rude lending interest rates, and took too big a step to reach the hips and landed in such a field today.
This part was also explicitly mentioned in the letter of Love Money to users on May 6. Since the launch of the platform, * * * has paid more than 654.38+0.2 billion overdue bad debts for lenders, which seems to be a lot, but as far as the current situation is concerned, the amount paid now is still a drop in the bucket.
According to the data published by the platform, since its establishment, the cumulative matching transaction volume of Aiqianjin has reached 2.310.30 billion. According to the lending rate of 36% and the user income of 12%, after deducting other costs, the total revenue of the platform will probably go up to 30 billion. At present, the prepaid1200 million yuan has not been drawn away, so it can be seen that there should be a lot of money in the hands of Aiqian Group.
Although there is surplus grain in hand, the platform is obviously unwilling to give it to borrowers.
(1) First, transfer the creditor's rights to the mall online regardless of the lender's wishes. On the opening day of the mall, the discount was reduced to about 50%, indicating that I wanted to gain more.
(2) In the case of serious stagnation and mismatch in the transfer of creditor's rights, Ai Qianjin did not actually contribute money to help everyone advance in April.
(3) 3) The online charging and cancellation page in the APP once again challenges the lender's bottom line.
In the case that the group has money, the Sao operation of trial mining has been going on. Undistributed profits, how much in advance, when to pay, and when to reply to the lender were not mentioned. When asked about the expected disposal time of assets, he began to talk bureaucratic.
Love money dares to deal with lenders in this way, mainly because P2P is not backward, and the use value of financial terminals is almost zero.
The real core assets, RM and Fanpujinke, are also risk-isolated from the wealth management side. Even if money is in trouble, the impact on the asset side is limited.
Coupled with the recent changes in the actual controller of Aijianjin, it is obvious that Aijianjin has completed its historical mission.
Many asset terminals relying on Aiqiantong and the new giant RM Technology recently hatched on Aiqiantong are the beneficiaries of P2P dividends.
In the case of loving money, if you want to get back the principal, it is better to change your mind and find the asset side of the platform as a breakthrough. Although the love of money has now become an abandoned child, the negative impact on the asset side must not be seen by the group executives. In this world, the loss of the platform is the reason for the lender. It will be more advantageous if Aijianjin is found to have obvious blood transfusion behavior, which is one of the few methods at present.
Finally, the first-line investment friends also brought us the latest news of love for money. As you can see from the news, at least the part of the credit investigation is still in progress. It can be seen from JZ's reply that the docking success rate of the central bank's credit information is still quite large.
It is one of the few good news at present, and I hope that the central bank's credit investigation will become a reality as soon as possible.
3.0
5 1 personality: the harvest is gradually opening.
Yesterday, 5 1 pin was officially launched with the function of "My Overdue Creditor's Rights", which reclassified the lender's data into four parts: overdue investment amount, compensation investment amount, total investment assets and expected normal repayment amount.
In the details column, it is even more popular that "the platform must not promise to protect the capital and interest", and the payment ratio of early transfer has been as low as 50-70%, which obviously brought great panic to the lenders in the car.
To tell the truth, the whole business of 5 1 character didn't go well last year.
Last year, 10, 5 1 credit cards were investigated by Hangzhou JF, and the whole crawler and collection business were affected to some extent.
In 20 19, the credit card and online loan business of the whole platform was also in a loss state, and the group's loss was as high as13.3 billion, which was bound to have a certain impact on the cash flow of the platform.
As far as the current situation is concerned, the mobility of 5 1 personality should have encountered certain problems. There are only two ways to save yourself:
1. Put pressure on the platform, and ask it to push forward as much as possible.
5 1 personality is obviously not the main business of the group. At present, the focus of the group should still be on the 5 1 credit card. 5 1 credit card business is related to the safety of users' funds. If a large number of negative characters of 5 1 appear, it will inevitably affect the confidence of credit card users. Under the balance of gains and losses, I believe the Group will make a more favorable choice.
2. Get timely credit information from the central bank and comprehensively crack down on Lao Lai.
According to the default rate of cardholders and cardholders for more than 90 days disclosed in earlier financial reports:
The M3 overdue rate of credit card loan products and non-credit card loan products is stable within 12%, and the borrowers are still of good quality.
Not surprisingly, the probability of the platform accessing the central bank's credit information is actually quite large.
According to the official news of 5 1 character, the central bank's credit information on the platform is currently being docked, and now the link is in the data approval stage.
At present, overdue should be caused by the borrower's failure to repay the loan under the epidemic. Because the 5 1 character does not have the deterrent means of the central bank's credit reporting, a number of so-called Lao Lai have been bred.
5 1 The borrower's willingness to repay should be significantly improved if the credit information can be successfully accessed. After all, 80% of 5 1 borrowers are credit card users. Once the credit is overdue, the credit card risk control will be triggered one after another. The result of blocking the card will eventually affect the borrower's running water. Once the cash flow is cut off, the consequences will be unimaginable. Laolai people should not lose big because of small.
Of course, the most important thing is that lenders can really unite and work together to safeguard their rights and interests.
Related questions and answers: 5 1 How about personal loans? 5 1 People users can obtain people's value through information such as address book, Weibo and financial resources. With personality value, you can get a loan amount and apply for a loan with the corresponding amount. The risk control system of 5 1 personal loan is different from most online lending platforms in the market. In addition to the verification channels such as academic qualifications and degrees recognized by the state, he introduced more social elements. For example, mobile phone address book, Weibo, WeChat friends, Taobao and other e-commerce products, the system will analyze the information you left in social software and generate a personality value to judge your personality. 5 1 The consequences of a few days in loans overdue are as follows: 1. The borrower will bear 5 1 of the overdue fee interest and penalty interest. The borrower can bear the overdue fee and penalty interest of 5 1 for several days. 5 1 The longer the overdue loan, the more principal and interest the borrower will bear. 2. The borrower will dial by 5 1 personal loan telephone. From the first day when the borrower is overdue, 5 1 personal loan customer service will call the borrower for collection, and the borrower can explain it clearly to 5 1 personal loan customer service; 3. The borrower will not be blacklisted by 5 1 loan for a few days after the deadline, but the borrower will find that the loan amount of 5 1 loan is reduced and even the borrower's loan demand is not approved again at 5 1 loan; 4. The borrower's credit value of 5 1 will decrease, and the borrower's credit limit of 5 1 will decrease. 5. To sum up, the borrower had better repay the 5 1 personal loan on time.