10 10 in mid-October, everyone's loan had been repaid, and the lender found that there was no fund after the target expired. 165438+10.2, without any prior notice, Renren Loan was launched into the "emergency deposit channel"-no interest at all, and the principal was 30% off.
In other words, the lender saved 6.5438+0 million yuan in Renren loan, and only recovered 700,000 yuan instead of interest income.
According to reports, lending users can apply voluntarily, and the assets applied for transfer will be borne by third-party asset management companies, and they cannot quit after the transfer is successful. For the lender who chooses to keep the "car", Renren Loan promises to protect the capital for three years.
Market speculation, Renren's online discount exit channel at this time is affected by its high loan balance and the number of lenders. According to Renren.com official website, as of September 30th, the loan balance in Renren.com was about 25.05 billion yuan. At present, the number of borrowers is 65,438+0,880,65, and the overdue rate of the project is 0.
However, according to the requirements of the regulatory authorities for "three reductions" (platform balance, number of lenders and number of offline stores) and the requirements of the central bank for "striving to basically resolve the stock risk in the online loan field in the first half of 2020", the countdown to P2P liquidation is imminent.
On the other hand, according to Yang Yifu, the founder of Renren Loan, the discount is because "there is no money".
1 16 10 16, Yang Yifu held an online video communication meeting, saying that he would converge on new business and devote himself to collection. Yang Yifu said that the repayment of Renren's loan is not optimistic. It used to be advance payment, but after the new business stopped, the funds advanced have been used up.
At present, many renren loan rights protection groups have been established, and some lenders are calling for withdrawal with interest.
Judging from the feedback from netizens, the application for emergency passage was not smooth sailing. Liu Xinlian, a user from Zhihu, said in early February of 65438 that "the application for 30% discount failed for 5 times". Many lenders began to try a 6.5% discount transfer application, and some quickly passed the system audit, but some lenders posted that the 6.5% discount could not "get off the bus" smoothly.
This has caused the lender's question: Is there a problem with the overdue data, or does the platform want to "harvest" by retiring?
In addition, the capital end and asset end of Renren Loan belong to independent accounting, while Renren Loan belongs to the capital end, and the platform profit generated by the transaction is transferred to Zhongyou Credit Information Industry at the asset end. Whether the credit industry of Zhongyou, the asset party, should bear joint and several liability after the repayment of Renren loan is difficult, at least the lender can withdraw from the loan by making up for the lack of repayment through capital contribution. It is doubtful whether everyone has this measure at present.
At present, in the "three drops", everyone's loan runs faster in the store. According to Yang Yifu, starting from 20 19, Renren.com began to close offline stores, from 300 to more than a dozen now. The company has also made several rounds of layoffs, and the number of front-line employees has dropped from more than 20,000 to hundreds now, but this is far from enough.
The loan balance of 5.05 billion yuan and the lender of 65.438+0.097 million yuan are two mountains that everyone has to climb. How will the situation evolve next? Perhaps "harvesting" lenders is just the beginning.
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