2016165438+124 October, CCTV focused on P2P: Are there any rules after the new regulations? It is illegal to bombard the lending platform by name. Many borrowers on the platform borrowed excessively, which exceeded the regulatory red line and did not have the function of serving the real economy, which ran counter to the original intention of P2P lending information intermediary to solve the financing difficulties of SMEs. The report also quoted Yang Dong, vice president of the Law School of Renmin University of China, as saying that the illegal operation mode like lending treasure is very risky. There is no online filing information, and there is no actual office address in China. Once investors are deceived, it is difficult to recover the losses, and relevant departments should intervene as soon as possible.
An Analysis of the Deep Causes of China's Tragedy
In 20 15, the number of netizens in China has exceeded 600 million. In the Internet age, while we get fast information and efficient communication, criminals also use the Internet to quickly spread illegal information and engage in illegal and criminal activities in a wider range. In recent years, online banking fraud, illegal fund-raising and other online money laundering cases have warned us that we should carefully screen online information and not easily remit or transfer money to strange accounts through online banking or telephone. Always be alert to network information and don't fall into a scam because of greed.
Legal financial institutions are subject to supervision and fulfill their anti-money laundering obligations. Is responsible for customers, but also responsible for themselves. According to China's Anti-Money Laundering Law, customer identity information and transaction information obtained by financial institutions in the process of fulfilling their anti-money laundering obligations shall be kept confidential, and shall not be provided to any unit or individual except as provided by law, so as to ensure the privacy and business secrets of financial institutions are protected.
Illegal financial institutions such as online money houses evade supervision, which not only transfers funds for criminals and terrorist forces and cleans "black money", but also becomes a public hazard. And the security of customer identity data and transaction information cannot be guaranteed. An online bank that frequently "accommodates" illegal operations for you may also provide convenience for criminals and let the criminal's black hand get their hands on your account. Can you trust such an online bank to help you manage your hard-earned money?
Lending treasure increases the transfer function, and the account is directly transferred, and the account is received in real time. Before the emergence of the loan treasure payment, the liquidation mode of UnionPay was like this: everything would eventually be monitored by the bank UnionPay, and the rise of the loan treasure changed all this. Lending treasure customers can directly connect with a number of banks, bypass UnionPay, and form their own clearing platform. The blind spot of financial supervision has been formed. Banks, central banks and UnionPay cannot grasp the specific transaction information and accurate capital flow, which brings great difficulties to the central bank's financial work such as anti-money laundering, financial supervision, monetary policy adjustment and financial data analysis. Finance is based on "honesty", and honesty can be bigger and stronger. Being a referee and an athlete disturbs the market order and hinders fair competition. Due to the lack of supervision, bad behavior breeds, risk procedures and due diligence work are unqualified, anonymous and large cash transactions or transfers are frequent, and there is no upper limit for transactions. The transaction broke through the time and space restrictions, and the transfer of funds was instantaneous. Lending treasure has become a money laundering paradise for fraudsters, and there are major illegal acts of fraud and damage to the interests of lenders.
The income from investing in lending treasure is 340 million yuan.
The share transfer finally inquired about Jiuding's internet finance sector, Renren Bank Holdings Co., Ltd., which is also a loan treasure.
20 15, the annual report of Jiuding group disclosed that Lending Bao is a mobile financial APP dedicated to helping users turn "contacts into money" and providing users with a happy money-making experience. It is developed and operated by Renrenxing Technology Co., Ltd., a member of Jiuding Holdings. Mainly engaged in Internet finance business, providing an Internet financial platform for acquaintances to borrow money. Jiuding Group provides technical consulting services with sales income of 65.438+32 billion yuan.
Jiayuan Technology is a wholly-owned subsidiary of Jiuding Group. At the beginning, Jiuding Group invested 500 million yuan in it, which increased by 3 billion this year. Up to now, Jiuding Group has invested 3.5 billion yuan in it. Established in 2009, Jiaxing Jiayuan Information Technology Co., Ltd. (referred to as "Jiayuan Technology") is mainly engaged in software development, information technology services and payment services. Jiayuan technology is actually the major shareholder of Jiupai Tianxia Payment Co., Ltd., and its core product is Jiupai Payment.
2065438+In March 2005, Jiuding Group invested 70 million yuan to acquire 70% equity of Emperor Jinbaishi and obtained a third-party payment license. Later, Jin Baishi was renamed Jiupai Payment, and the third-party payment platform of Jiupai Tianxia (formerly King Jin Baishi) was actually the trading tool of this product.
Renrenxing is a subsidiary of Tongchuang Jiuding Holdings, the major shareholder of Jiuding Group. 2065438+February 2007, Jiuding Group passed a resolution at the shareholders' meeting, and Jiuding Group invested 100% equity in its subsidiary Jiaxing Jiayuan Information Technology Co., Ltd. (hereinafter referred to as "Jiaxing Jiayuan") at the price of1940,000 yuan, which was used to increase the capital of Renren Bank, and at the same time invested 553 million yuan in the old shares, all of which were 69.7 yuan per share.
Lending treasure is a P2P platform for acquaintances to borrow. Although there was no direct equity relationship with Jiuding Group before, it had close business contacts with the company. Renrenxing Technology, the main operator of Lending Bao, earned about 6,543.8 billion yuan last year, 90% of which came from Jiuding Group.
In March this year, WU GANG, chairman of Jiuding Group, said that Lending Bao, an Internet finance technology company under the company, would be listed in Hong Kong within two years.
The share transfer questioned the controlling shareholder of the listed company's transfer of its assets to Japanese trading, and demanded to explain the rationality of Jiuding Group's capital increase price of 69.7 yuan per share for Renren Bank and the rationality of the investment income of 340 million yuan after the sale of Jiaxing Jiayuan to Renren Bank.
According to the announcement of Jiuding Group's foreign investment, the cost of holding Jiaxing Jiayuan is 3.5 billion yuan, but only1600 million yuan is deducted from its liabilities, so the price of 194 million yuan is exactly 340 million yuan.
Jiuding Group said that the fixed price of 69.7 yuan is consistent with the transfer of old shares and the prices of other third parties involved in this round of transactions, and there is no harm to the interests of the company and shareholders.
According to the announcement, the last financing of Renren Bank Holdings was at the end of 20 15, and the financing price was 63 yuan/share. The first financial reporter learned through an eye-catching investigation that Lending Bao had raised money four times. The last round of financing was in March 20 16. The investor is Shifan Capital, and one of its partners is the former Jiuding investment employee. 2065438+June 2005, Jiebaobao also received a strategic investment of 30 million yuan from China Geotechnical.