Liu Fushou, chief lawyer of China Banking and Insurance Regulatory Commission, introduced the prevention and resolution of financial risks when answering media questions at the routine briefing of the State Council policy. He mentioned that the risk situation of Internet finance has been fundamentally improved, and the number of P2P online lending institutions actually operating in China has dropped from about 5,000 at the peak to three at present. The scale of loans and the number of participants declined for 28 consecutive months.
When this news came out, it aroused the curiosity of many investors and netizens. Which three P2P online lending institutions were not specifically disclosed at the meeting and are still in actual operation?
Among them, the amount of five fundraising projects of pterosaur loan is below 654.38+10,000 yuan, and the amount of Xianzhi Chuangke and Jinbo loan projects is also below 1 10,000 yuan.
According to Tian Yan data, the registered capital of pterosaur loan is 654.38+0 billion, of which Legend Holdings is the second largest shareholder, holding 33.3%. The platform is advertised as an internet financial platform focusing on agriculture, rural areas and farmers, and the depository bank is Xiamen Bank.
165438 The operating report of pterosaur loan in 2020 10, released on16, shows that the total amount of loans in that month was108.8 billion yuan, and the total number of lenders was 17328. More than 83.9% of the loan projects are within10 million yuan, which belongs to "small dispersion".
The second company, Xianzhi Chuangke, with a registered capital of 60 million yuan, is a comprehensive Internet finance company. The small loan product is 9 1 Wang Cai, and the depository bank is also Xiamen Bank.
According to 9 1 official website, Wang Cai,165438+1October 8th, the bidding was still conducted, and17th bidding was added, with the amount raised between 790,000 and 3 million yuan. According to the disclosed monthly transaction data, in June 2020, the loan amount reached11.10.50 billion, with 8,586 borrowers. As of June 7, 165438, the loan amount still reached 250 million, and the current loan balance reached1211million.
The registered capital of the Third Jinbo Loan is 654.38+0.4 billion yuan, which is a subsidiary of Jiangxi Boneng Holdings Co., Ltd., and the bank of deposit is unclear. However, Jinbo Loan official website shows that its partners include Jiangxi Bank. In addition, as the largest shareholder of Jinbo Loan, Jiangxi Yumin Bank, in which Boneng Industrial Group shares, is the first approved private bank in Jiangxi Province, which was approved in May 20 19.
At present, there are five new Jinbo loans issued after1October 7, and they are still being raised. As of165438+1October 7, the statistics of Jinbo loan operation showed that the number of borrowers reached 529 1, the loan balance reached 880.76 million yuan, and the accumulated compensation amount was 595 million yuan. In addition, the overdue quantity and amount of existing projects are zero.
Official website also showed that in July this year, the state-owned shareholders of Jinbo Loan had planned to set up a Jiangxi national network microfinance company with a registered capital of not less than 654.38 billion yuan, but no new progress has been made so far.
However, there are also views that these three institutions should be pterosaur loan, pleasant loan and Hengyirong (affiliated to Heng Chang). Another view is that in addition to Pleasant Loan and Hengyirong, another institution is Sack Wealth under CITIC Industrial Fund.
However, after the interface news inquiry, it was found that Sack Fortune has not updated its operation report in official website this year; As of July this year, Hengrong's latest performance report has not been updated, all loose bids and emergency bonds have been converted into full bids, and loans have been suspended.
According to the financial report of Yirenmenke in the second quarter of 2020 and the statement made by CEO Tang Ning in the self-made program "Downing Living Room", Yirenmenke is transforming from P2P financing to loan-assisted business, and has made great progress.
As of the second quarter of this year, the total assets of Yirancai P2P products decreased by 40% year-on-year, and the total assets of non-P2P products increased by nearly five times year-on-year. Therefore, even if the P2P online lending business of Yirendai is still in operation, it will gradually complete the liquidation transformation of 100% before the end of this year.
In addition to the above institutions, the interface news combed the recent situation of more than 20 P2P institutions that were still operating at the beginning of this year, and found that most P2P online lending institutions were retreating or transforming.
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From thousands to three, the liquidation of the online loan industry has gradually increased.
Looking back at the development of P2P online lending industry, it is only a few years from germination to barbaric growth to full retreat. In 20 17, seven internet finance companies, such as xinerfu, fun shop and credit, went public overseas, and the mutual gold industry is still taking off.
Until 20 17 and 12, the central bank and China Banking Regulatory Commission issued the Notice on Standardizing and Rectifying Cash Loan Business (No.14 1), which became a "watershed" in P2P industry. This document defines the main characteristics of cash loans for the first time, finalizes seven rectification principles, and formally introduces the supervision policy of cash loans. The proportion of comprehensive loans cannot exceed the red line of 36%.
On June 20 19, Jin Mu remediation office issued "Opinions on Doing a Good Job in Classified Disposal and Risk Prevention of Online Lending Institutions" (No.175), which proposed that the withdrawal of P2P institutions should be the main work direction, laying the main tone for the industry's retreat and transformation in 20 19. Subsequently, on 20 19, the P2P online lending industry began to "retreat" countdown.
By the end of 20 19 and 10, the number of operating institutions participating in real-time monitoring in China had dropped to 427, and more than 1200 P2P companies were closed down for rectification throughout the year.
In August, Guo Shuqing, chairman of the China Banking and Insurance Regulatory Commission, said that the supervision of online lending platforms had gone through a painful stage, and now it had reached a fundamental turning point. By the end of June 2020, the number of online lending institutions operating in China has dropped to 29.
In September, Yan Feng, deputy director of inclusive finance Department of China Banking Regulatory Commission, revealed that by the end of August this year, the number of online lending institutions operating in China had dropped to 15, which was 99% lower than that at the beginning of 20 19. The loan balance decreased by 84%, the lender by 88% and the borrower by 73%. The number of online lending institutions, the number of participants and the scale of loans have declined for 26 consecutive months.
1October 22nd 10, with 6 CBRC. Only after 15 days, the number became 3.
At the end of this year, where will the remaining three normal P2P institutions go? Can other institutions in liquidation transition complete redemption? These have yet to be further supervised and publicized by relevant departments.
Related Q&A: Can banks query personal p2p online loan information? P2P online lending is a person-to-person model, and the flow of funds involves third-party payment platforms. At present, there are many payment platforms in China, such as UnionPay and Alipay. The bank is just one of many platforms. Some P2P online lending platforms adopt bank supervision measures, so the flow of funds can be inquired. If you use other third-party platforms, such as Alipay, this information is not in the bank's monitoring system.
Banks are one of the financial institutions. Banks are divided into central banks, commercial banks, investment banks, policy banks and the World Bank. Their duties are different.
Central Bank: China People's Bank is the central bank of China. Responsibilities: Implement monetary policy, carry out macro-control on the national economy, and supervise and manage financial institutions and even specialized financial institutions in the financial industry.
Commercial banks: The so-called banks we often talk about belong to commercial banks, including Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Bank of China, Bank of Communications, China Merchants Bank and Shanghai Pudong Development Bank.
A financial institution whose duty is to act as a credit intermediary through deposits, loans, remittances and savings. Commercial banks are one of the most important financial institutions, and their main business scope includes absorbing public deposits, issuing loans and discounting bills.
Investment banks: investment banks for short, such as Goldman Sachs, Morgan Stanley, JPMorgan Chase, Societe Generale, etc. Responsibilities: Non-bank financial institutions engaged in securities issuance, underwriting, trading, enterprise restructuring, mergers and acquisitions, investment analysis, venture capital, project financing, etc.
Policy banks: There are three policy banks in China, namely The Export-Import Bank of China, China Agricultural Development Bank and China National Development Bank. Responsibilities: Financial institutions that participate in or guarantee shares, engage in policy financing activities directly or indirectly in specific business areas for non-profit purposes, and serve as tools for the government to develop the economy, promote social progress and conduct macroeconomic management.
World Bank: It helps countries overcome poverty, and various institutions play a unique role in the mission of alleviating poverty and improving living standards.
Related Q&A: Nearly 460 p2p online lending companies have been investigated. How many people owe online loans? Do you have a collection? Headlines, Tencent and other websites push online loan advertisements every day.