With the retreat of P2P online lending, many established institutions have gradually achieved successful transformation. At the previous briefing on the State Council policy, Liu Fushou, chief lawyer of China Banking Regulatory Commission, disclosed the progress of P2P online lending: the actual number of P2P online lending institutions in China has dropped from about 5,000 at the peak to three at present.
The old institution "You and I Loan" officially bid farewell to p2p.
Recently, the old online lending institution "You and I Loan" officially announced its farewell to p2p. According to the announcement in official website Middle School, as of June, 2020 165438+ 10/0, the P2P loan balance between you and me has been completely cleared, and the principal and expected income of all borrowers have been paid. At the same time, you and I announced that the parent company Jiayin Jinke has been fully transformed into a financial technology company that provides one-stop Internet credit solutions for licensed financial institutions through the big data-driven cloud service platform and financial risk control system.
"You and I Loan" is an established P2P online lending institution established in Shanghai. Its official website exhibition platform has been in operation for more than 9 years, and its legal representative is Yan Dinggui.
According to the data, as of June, 2020, 165438+ 10/2, the cumulative transaction volume of your loan (including the transfer of creditor's rights) has reached 322.446 billion, and the cumulative registered users have reached 1.4 1 billion. At present, there are 740,000 borrowers, with loan balance of 868 million yuan, accumulated loan amount of 8149.9 million yuan, loan balance of 753,598 yuan and overdue amount of 2.56132 million yuan.
According to the financial report for the second quarter of 2020 released by your parent company Jiayin Jinke, Jiayin Jinke contributed 2.238 billion yuan in loans in the second quarter, realizing operating income of 245 million yuan and net profit of 41100000 yuan. At the same time, Jiayin Jinke reduced the loan scale, resulting in a year-on-year decrease of 55.7%, of which institutional funds accounted for 98.6%, which was zero in the same period last year. Since April, institutional funds have accounted for 100% of new funds.
P2P online lending retreat has come to an end. There are only three domestic P2P online lending institutions.
In addition to your lending to me, the listing auction of US stocks has also recently completed the clearance of P2P online lending stocks. On June+10, 5438, official website announced that it had completed the liquidation and withdrawal of its stock business under the supervision and guidance. At present, the auction loan has been successfully transformed into a loan platform.
Lufax, which recently went public in the United States, also achieved a successful transformation. According to its prospectus, the stock of P2P online loan assets in lufax has decreased from 336.4 billion yuan at the end of 20 17 to 47.8 billion yuan at the end of June 2020. At present, it has been transformed into a strategic model of light assets, that is, it mainly collects fees by providing technical services.
With the development of preventing and resolving financial risks, P2P online lending has come to an end. At the previous briefing on the State Council policy, Liu Fushou, chief lawyer of China Banking Regulatory Commission, disclosed the progress of P2P online lending: the number of P2P online lending institutions actually operating in China has dropped from about 5,000 at the peak to three at present.
Liu Fushou mentioned that illegal financial activities will be severely cracked down, all kinds of financial chaos will be resolutely rectified, and a clean and upright financial order will be created. In addition, Liu Fushou also said that in the next step, the CBRC will enhance its risk awareness, adhere to the risk-based supervision principle, estimate risks more comprehensively, prepare countermeasures more fully, and firmly hold the bottom line that systemic financial risks will not occur.
Related questions and answers: