It is understood that at the small loan industry symposium held by the Ganzhou Finance Office, the person in charge of the county (city, district) financial office (bureau) conducted on-site inspections of the classified supervision and rating of small loan companies, small loan The company and its shareholders reported on the cases involving law, litigation, gangs and evil, and the next steps to deal with them. The meeting also emphasized that in the face of the impact of the COVID-19 epidemic and the downward pressure on the economy, all small loan companies must find their correct positioning, hold on to the bottom line, and not step on the red line or touch the high line.
“Qufenzhidai” is no longer an online loan.
In fact, in addition to Ganzhou’s Happy Life Online Small Loan, Qudian also owns another small loan company in Jiangxi Province—3354 Fuzhou High-tech Zone Qufenqin Small Loan Co., Ltd. (hereinafter referred to as "Qufenqin Small Loan"). loan"). According to investigation information, the legal representatives and suspected actual controllers of these two small loan companies are Luo Min, the founder and CEO of Qudian.
Industrial and commercial information shows that Happy Life Online Small Loan, which was established on December 14, 2016, currently has an investment of 900 million yuan. Qufenfen Micro Loan was established half a year ago. In a change in registered capital on July 29, 2019, Qufenqin Small Loan was changed from 1 billion yuan to 100 million yuan. The retroactive installment of small loan payments rose to 1 billion yuan on February 8, 2017, before Qudian went public.
In addition, on May 21, 2019, Qu Installment Loan changed its business scope. The scope of interest installment small loan business has been changed from "online small loan business and debt transfer business through online platforms" to "small loan business limited to Fuzhou High-tech Zone and its surrounding counties."
Different from the situation when it was listed on October 18, 2017, Beijing time, Qudian "sits" on two online small loan licenses at the same time. The change in the business scope of Qufenqianqing small loan means that Qudian's lending The scale has been adjusted. The financial data disclosed in the store's 2019 annual report also reflects this change.
On March 18, Beijing time, Qudian announced its unaudited financial results for the fourth quarter and full year of 2019 before the market opened. The report shows that throughout 2019, Qudian’s financing income mainly through on-balance sheet transactions was 3.510 billion yuan, compared with 3.535 billion yuan in the same period last year.
Not only did it drop year-on-year, but the ratio also dropped. Qu’s financing business revenue accounted for 39.71% of the total revenue in 2019, a decrease of 6.25 percentage points from the same period last year.
Jiangxi regulatory agencies have implemented new classification supervision and rating methods for small loan companies and have strict management.
The review policies of Jiangxi Financial Supervision Bureau, the regulatory agency of two small loan companies, Qudian and 3354, have also been adjusted.
It is reported that Jiangxi Province’s small loan ratings will be divided into five levels: AAA, AA, A, B, and c. For small loan companies rated AAA or AA, regulatory policies will be appropriately relaxed, such as Regulatory requirements such as frequency of on-site inspections and leverage ratio; at the same time, the scope of business can also be increased.
On the contrary, if a small loan institution is rated C-level for two consecutive years or has been closed for more than 18 months, it will be classified as a "problem enterprise"; if it cannot be upgraded within six months, its pilot qualification will be revoked. In addition, if there is any of the eight situations such as "illegal loan sharking and violent collection", Jiangxi Small Loan Company will be directly rated as C-level by "one-vote veto" once discovered. Related Q&A: Related Q&A: What should I do if the staff of Qufenqi maliciously obtain other people’s information and harass and register?
At present, there are indeed many legal loopholes in the area of ??network information leakage that need to be improved, but both the growth of people and the improvement of the legal system require time. Therefore, it is necessary to give time to improve the legal system. Here, facing such a problem, we can only use some existing measures to try our best to resist.
Handling method 1: Telephone harassment. I have encountered this before. A friend of mine who I didn’t know well at all, who I had only had a few business contacts with, took out a loan on the Internet and failed to repay it. The lender actually called me. It took me a long time to understand what was going on, and then I said loudly to the other party: "Are you looking for him too? I'm looking for him too! He owes me 80,000 yuan, and he hasn't paid it back yet, and now he's disappearing while playing with me." , don’t let me find him, I’ll break his legs if I find him!” The call never came again.
Handling method 2: If you only hit me once or twice, and your tone is okay, and I just tell you, if you see your friend, please tell him and ask him to pay back the money in time, then you should treat it as a scam. Don't worry about floating clouds. If there are a lot of harassing calls, block your phone number!
Method 3: Although the laws and regulations in this area are not perfect yet, it does not mean that it is useless at all. If the other party seriously harasses you, or even uses your information to register everywhere, it will cause you serious trouble. , or even harmful, then you must choose to call the police without hesitation! If the circumstances are serious, you can ask the authorities to clear the other party's number, clear online registration information, etc. However, this will only be handled if the circumstances are serious. After all, the police force is limited.