2014 the net credit first case: three platform collapse boss suspected Run away

[Note: the Internet financial innovation, innovation into private lending and Ponzi scheme. So far, China didn't what look prim and proper Internet financial. Most of all, a variety of coat, engaged in money faster. Balance of treasure, this money broker was not made public. P2P, which too many cheaters. ]

Source: twenty-first Century Economic Report

Yesterday (January 20th), a net credit platform of investors to the "daily economic news" reporter reflects,Hangzhou country is venture capital, Shenzhen - letter, Shanghai Yi Feng letter of three P2P network lending platform recently to fail at the same time. Investors say, the actual control of the three Platform Co are the same person, named Zheng Xudong, and now Zheng Xudong Juankuan fled to Hongkong and then disappear without a trace. Recently, Hangzhou country is venture capital's announcement shows, Zheng Xudong as the country is the actual control of venture capital.

In addition to the above three Platform Co, affected and Chinese culture property rights exchange and zhongruilong Trust Assets Management Co. ltd.. The reporter understands, the police in Shenzhen credit letter has been filed, Hangzhou country is cast also will soon enter the registration process, while the Shanghai Yi Feng letter is not on schedule. For Zheng Xudong is the actual controller of several other companies, with the police for further investigation to the case, or in the near future will answer. Yesterday, reporters call the Hangzhou country is venture capital published Zheng Xudong's phone, but the phone is not connected.

　　The P2P platform collapse seems to have become a reflected P2P platform investment risk. However, in the same time three platform collapse is still relatively rare. According to investors, the three platform is rolled the amount of funds run of at least 100000000 yuan.

High as bait for fraud

A "about Cheng Zhide and Zheng Xudong suspected fraud victims" display, Hangzhou country is venture capital (Hangzhou Xifu Agel Ecommerce Ltd founded) of the legal representative of Cheng Zhide, the actual controller is Zheng Xudong or his relatives and friends, in 2013 June opened "country is venture capital" P2P network lending platform, and the "Shenzhen City Ruilong the trust assets management Limited" on the 100% principal guaranteed loan contract. With high interest rates as bait, not aimed at particular users of fraud activities by using the Internet, fraud amount up to 30000000 yuan.

At the same time, the platform and Cheng Zhide is the legal representative and the actual controller Zheng Xudong virtual borrowers, allegedly by high month s lured many victims lend capital investment country is venture capital Tsui garden assets share of collateral, these funds directly into the Cheng Zhide or Zheng Xudong's personal account, the illegal occupation.

"Daily economic news" reporter yesterday from Hangzhou country is to pay attention to the emergency notice information venture site 16, hair, "due to the platform the actual control person Zheng Xudong suddenly unable to contact, leading to the platform fracture of funds, resulting in a large number of investors, not to mention is the. Without the knowledge of the employees and friends platform families are bearing a lot of money. We will actively cooperate with the relevant departments to carry out investigation. Now the platform to stop all recharge and bidding activities, please investors tell each other." Subsequently, the reporter dialed the Hangzhou country is venture capital hotline telephone no one answer.

Wang Ming (a pseudonym) told reporters, he is through the Hangzhou country is throws the official two group QQ group (group number: 26424836, this is the way to understand the cancellation) to Hangzhou country is cast the net credit platform. During the main and Hangzhou country is venture capital, customer service manager Chen Guohua Chen and Ning Ning et al., the Hangzhou country is venture capital service, propaganda, to understand cultural property assets mortgage package, referred to as the standard, for a period of 1 months to four months, and promises the Jin Baozhang, late payment platform, to ensure the safety of funds investors, the official website and staff ensure the security of fund and encouraged to bid. Subsequently, he invested 200000 yuan,The annual rate of around 20% in the, mainly for investment platform provides Tsui garden assets share mortgage investment, unequal time 1 months, 2 months, 4 months.

"Did not think of is, around January 17, 2014, not to mention is the platform, at the same time, the website simply out of the emergency notice official QQ group disappeared, legal representative, general manager, website operation, finance and all the staff, QQ line, the call could not be completed, the site can not expire in. And I like the investors probably have nearly 1000 people, distribution throughout the country." Wang Ming to reporter exclamation.

Three platform Beibao collapse

Hangzhou country is venture capital investors told reporters, before investing in the platform, in addition to earn interest, there is a certain reward, a sum of money finally gains of up to 40%. Almost at the same time, in Shenzhen letter platform loan investors also told reporters, the platform in January 15th can not mention the; Shanghai Yi Feng letter investors also said, in about 16 days can not mention now.

Shanghai Yi Feng letter investor Li Yang (a pseudonym) told reporters, he saw the Yi Feng letter ad in 2013 September, then check the registered company, the company and the Chinese text into all cooperation, will be more than a trust, the platform margin at around 20%, "it is understood, platform funds loans to art melting demand or restaurant etc.. But in January 15th, they discovered the platform is one of the platform owned by Zheng Xudong, then investors now only ten thousand or twenty thousand in January 16th, some people went to the company, found that the company had closed."

Of the three Platform Co investors are identified in an interview with reporters, Zheng Xudong is the actual controller three platform. At the same time, also involves the Chinese culture property rights exchange and zhongruilong Trust Assets Management Co. ltd..

In addition to Hangzhou country is venture capital's official website announced Zheng Xudong as the actual controller of the platform, several other sites have not issued the relevant statement. So, why investors agreed that "disappeared" Zheng Xudong for the five companies control people?

It is also in the credit letter, Yi Feng letter investment Li (a pseudonym) told reporters, she in the two platform has invested 1000000 yuan, in the two platform at the same time investment, because before a friend in Yi Feng letter, and she knew that the two companies boss is Zheng Xudong.

Li Yang also told reporters, they mention now to Shanghai Yi Feng letter operations director in the platform can not be called, director of operations and tell them that Yi Feng letter boss is Zheng Xudong.

The police have been involved in the case

At the same time, the reporter is also noted in the Internet, netizen hair post says, "China first net loan fraud" case exposure, "the main responsibility person Zheng Xudong in January 16, 2014 has exit Hongkong (exit entry administration department has verified), currently in Hongkong or China turn his country.About to be collected, as of January 18, 2014 13, internal staff statistics and website to collect comprehensive: loans letter (75000000), Hangzhou (89000000), near the capital Shanghai Yi Feng (67000000), the exchange (440000000). About the exchange object jade, through the internal confirmed, all sold 10 pieces of subject matter and not more than 50 pieces of jade jade products currently in the custody of the warehouse, please ahead after a report by the public security to keep staff. All the money is all platform trust company, trust company is mainly responsible for the human Zheng himself, for their relatives some financial. Association platform for all transactions are all removed funds in trust for the exchange of daily cash, the exchange between the fund in addition to buy jade object, has been diverted to other uses."

According to investors, the "trust company" refers to zhongruilong Trust Assets Management Limited, but the three platform was swept may not have so much money, but at least 100000000 yuan.

Then, reporters call the company hotline to verify, are not connected, three Platform Co investors were not related to contact telephone dial. The reporter consulted several companies public web site information discovery, there are correlations of business.

In August 28, 2013, Hangzhou announced that the country is venture capital, Hangzhou Xifu Agel Ecommerce Ltd and the Chinese culture property rights exchange formal cooperation, Hangzhou country is venture capital becomes the Chinese cultural property exchange's first provincial-level agents, the upcoming release of art assets share of collateral. According to investors, loans and Yi Feng is the cultural property exchange municipal agents. The three platforms are signed a strategic cooperation agreement with zhongruilong trust.

On the relationship between several companies, investors to the "daily economic news" reporter said,Zheng Xudong in the name of investment jadeite, set up the Chinese culture property exchange, the so-called top jade works by the shares trade in cultural property exchange. The establishment of the Hangzhou country is venture capital and so on several P2P network investment platform, on the platform of high interest rates to attract the attention of investors, and to raise a lot of money, then the money will be deposited in the so-called third party "in Shenzhen City Ruilong trust asset management Limited" trust.

Yesterday, reporter noted in Chinese culture property rights exchange online, the announcement said: "in view of the trend of more extreme asset package tray surface, in order to ensure the safety of funds investors, safeguard the interests of investors, the decision with immediate effect to all have traded assets in the stop plate rectification, and to suspend all upcoming package of assets the listing plan."

Reporter learned yesterday from several Platform Co located in the team, the police in Shenzhen credit letter has been a criminal investigation, Hangzhou country is cast also will soon enter the registration process, while the Shanghai Yi Feng letter is not on schedule. As the police timely intervention, believe that the relationship will be soon Zheng Xudong and the company.

P2P net credit risk

The risk of P2P network platform loans has always been there, why people have become victims of this risk? "Daily economic news" reporter learned in the investigation, all investors know network platform, the risk is very big, but the enemy is not excessive rate of temptation. Although some investors can through the "small test" to determine the degree of safety investment platform, but it does not seem to work very well.

In Shenzhen - letter, Shanghai Yi Feng letter investment of nearly one million Li told reporters, she began to have invested tens of thousands, with interest rates deliver on time, she would "not brake the car", then invested nearly one million. "Do not know how? The more the end of the year the more you want to vote, as the mind." Mary ruefully told reporters.

The three net credit platform event how qualitative, remains to be the police intervention. But speaking of the platform Run away, the industry also has a professional "helpless". A P2P company, who recently to the "daily economic news" reporter said, at present the net credit platform to do large-scale, will raise funds come in, but the platform is also a risk, once can't find the money demand will cause the idle funds. A large net credit company raised a lot of money, in the demand for funds is not found cases had disc for investment.

Financial analysts, risk management division Dong Xiusheng said, investors from the description, the three P2P net credit platform may belong to self integration platform, is only a P2P coat. "Information to describe the normal P2P platform on the borrower's are very clear, but also allow investors to trust."

In her view, the opening of the new net credit platform is security, not close to fast, so her investment in the two Platform Co. In response, Dong Xiusheng said: "in my opinion, the longer the duration, the more than two or three years and received venture investment, net credit platform wind control team is safe.

For the P2P industry and credit risk China why frequent, microfinance League Secretary General Bai Chengyu told reporters, this and the P2P platform has great relationship in recent years of informal development. "Now these domestic P2P net credit platform, there are high risk capital required by the website handle transactions, not with the lenders direct payment. If the transaction to pay directly, these sites can reduce the risk, to avoid Run away events. In fact, the investors and lenders direct payment is entirely possible." But Bai Chengyu also said, if the customer funds without the net credit platform, the platform is profitable.

　　Bai Chengyu said, P2P net credit platform now is not the intermediary, private lending is "network edition". Therefore, investors want to engage in private lending, have individual thinking, there must be risk psychological preparation. "To remind investors, such irregularities in the environment, once the net credit platform can use client funds, will let the criminals have the chance, so that investors in a Ponzi scheme. So investors should be cautious to."

Wenzhou SME Development Promotion Association Zhou Dewen think, P2P is the online credit, the credit itself is a high-risk industry, banks have all kinds of risk prevention mechanism, but will still appear so much the rate of bad loans, on the network more difficult to guard against risk. If you are online, you are face to face, can also go to investigate his information. In the network, the P2P platform is easy to fake, a platform units illegal to embark on the road. If not properly, will lead to greater problems.