The early morning of April 2nd, a company called the loan network P2P network lending platform in its website issued a letter not letter signed by the said, "because of lack of experience in team management, resulting in the company's operation risk...... All investment causes irreparable economic losses".

This company since March 10th to test the operation of the net credit company opened less than a month, even in the first month of investment has not expired, called himself the wind control is not strict, forced to close, let many investors felt puzzled over the shock.

The letter said "all the credit network do not Run away", the loss of investors by the company to advance. However, the morning of April 2nd, the loan online almost all information can be deleted, even the open letter was missing.

When the "China Times" reporter linked to the credit net Lu Ruhua legal representative, said the other side of the involved probably has more than 30 investors, about 2000000 yuan of funds. At the present stage is busy answering the question investors, the specific circumstances inconvenience to talk.

Opened less than a month

Webpage snapshots retained information display, the loan is a network of P2P networkFinance Service platform, includes collateral loans, loan guarantees, joint guarantee loan transfer, personal credit guarantee loan. Since March 10th this year ban business, from the April 2nd collapse of less than one month notice out of fashion.

The credit net once touted, try during doing business, the site will be a large-scale promotion to investors, and investors to the company visits, "luxury five day tour of Hainan". But all the reward. Now have to wait until after April 10th.

Reporter inquires the Hainan Province Administration of industry and commerce website, Hainan public credit Cci Capital Ltd was founded in January 15, 2013, the legal representative is Lu Ruhua, registered capital of 10000000 yuan, the company is located in Haikou City, long Kun Nan Lu Jin Lin Garden thirteen.

In the "net credit company" forum, the reporter found friends in March 22nd to intercept the credit legal information network. The legal representative of Ruhua Lu was born in 1985, maonan. On the platform of registered capital, his investment accounted for 99%, the other 1% of funds from a Hexing people. The announcement was "corporate phone" and "a letter to investors" in the mobile phone numbers are the same, the open letter is written by Lu Ruhua legal representative.

The morning of April 2nd, the reporter linked to the Lu Ruhua, showed identity he interrupted reporter said, is currently focused on investor inquiry, be able to handle an interview after the event, but was unable to give a specific date. He is busy with investors to hang up the phone.

According to a rough estimate Webpage snapshot information, has completed the bid amount is more than 2880000, for at least 1 months, The flow of funds Including "Haikou large industrial companies tourist area built hotel decoration", "real estate mortgage used for business turnover", "local Real Estate Company to undertake the project of large cultural square construction".

In the announcement, Lu Ruhua said, "I have an emergency treatment, have used their own funds in advance according to a certain proportion to advance to the investors, the payment has been through the net transfer to you." At the same time that, "I now the situation is already bankrupt."

Despite the open letter repeatedly stressed, the loan will not be Run away platform, but opened less than a month went bankrupt argument unconvincing. Some people think that the loan is "in the form of bankruptcy Run away", "no more doubt is not opened yet when they plan Run away".

The afternoon of April 2nd, also have investors expresses to the reporter, part of the investment principal will be returned, probably in about 90%. But when the website promised monthly interest is 3.8%.

Net credit risk exposure

Reasons for failure, Lu Ruhua on the phone only interpreted as "multiple mortgages, risk" without control, but made no further comment.

Central University of Finance and Economics financial law research institute director Huang Zhen in an interview that, the loan is likely related to the network security. Conformity - network business form, "if not involved in the security, do not need to advance funds."

In this incident, let a person feel puzzled place has two: first, the registered capital of 10000000 Platform Co cannot cope with less than 3000000 of problem loans and closed; second, in the first month of investment has not expired earlier announced the closure of. This let many investors doubt, the site itself is a hoax.

The net credit platform of third party data monitoring agencies responsible for the people that Xu Hongwei, 10000000 of the registered capital of a possible false capital contribution, "how many, how much is its own funds deficit, whether false bid about 2000000 investment, these are not know." And the repayment not expire on the declared bankruptcy may be the loan has access to news, know the investment cannot come back.

Xu Hongwei expresses at the same time, P2P net credit platform for credit loan and mortgage loan according to different trade, in the real estate mortgage loans, have quite one part is the two mortgage.

In fact, before the loan network trouble, had been in the Forum on the question.

Question is one of the legal representative of the company is Lu Ruhua Maonan Nationality, and the nationality are few in number, mainly concentrated in the county of Guangxi. A local lad to Hainan invested nearly 10000000 to set up a net credit platform, reliable?

Secondly, the credit network known as transfer standard. But the tender after downloading the contract, not the transfer standard contract, just ordinary contract, even the official did not, nor what the letter of guarantee institutions guarantee. In this regard, the loan customer service is always not answer, the most answer is "the company will come 17 days on April 11th to inspect the organization investors".

Huang Zhen said, P2P platform gathered a lot of risk in the rapid development at the same time, these risks will be gradually broke. A number of poor management of net credit company will be eliminated.

Xu Hongwei remind, investors still cautious, conditional must conduct on-site inspections, not luck. P2P platform to do shareholders corporate information and the investment subject of sunshine.

"The negative effects of the events on the P2P industry is in the affirmative." He said, at present the net credit lending industry is preparing for an investor participation, the formal registration of trade associations, to compensate for the lack of industry regulation. "In one or two months there will be results." He said.

It is understood, as a new mode of the Internet financial, P2P net credit in the open Conduct financial transactions The new channel, power Small and micro businesses financing at the same time, also gradually accumulated a lot of risk. Gold credit, UE network, Aetna excellence and many other P2P net loan has discovered the "Juankuan Run away".