The loan company's 200 million project was illegally stopped and misappropriated a number of cash loans.

The borrower of Shanghai Ganlong's billion-dollar loan. At present, the two parties have cooperated to lend 23.3 million yuan/kloc-0.4 million yuan. Not only is it a loan of 1 100 million yuan, but Shanghai Ganlong also conducts diversion for a number of P2P platforms. These platforms have been complained of violent collection, usury and beheading in various names. Recently, the listed company Shennan Co., Ltd. issued a risk warning announcement, claiming that its wholly-owned subsidiary Jiangsu Shennan Information Technology Co., Ltd. (hereinafter referred to as "Shennan Information") illegally provided guarantee for the loan project of another subsidiary controlled by the company, Shenzhen Yidai E-Commerce Co., Ltd. (P2P platform "Yidai"), involving an amount of 200 million yuan.

According to the announcement, the guarantor is Shanghai Qianlong Information Technology Co., Ltd. (hereinafter referred to as "Shanghai Qianlong"), which provides the borrower with a loan of one billion yuan. At present, the two parties have cooperated to lend 23.3 million yuan/kloc-0.4 million yuan. The new financial headlines note that Shanghai Ganlong not only lends hundreds of millions, but also draws water for many P2P platforms. These platforms have been complained of violent collection, usury and beheading in various names.

The breach of the guarantee was revealed.

On August 6, Shennan Co., Ltd. issued the "Announcement on Risk Warning of Violation of External Guarantee by Wholly-owned Subsidiaries".

The details of the announcement show that in June, 2065438+2008, Yigan Loan signed a Cooperation Agreement with Shanghai Qianlong, and Shanghai Qianlong recommended the borrower to bid on Yigan Loan Platform and apply for a loan from the lender of Yigan Loan Platform. As a guarantor, Shennan Information provides joint and several liability guarantee for all debts formed by the above cooperation. The scope of guarantee is: all the debts of the borrower, including but not limited to the loan principal, interest, liquidated damages, penalty interest, compound interest and other related expenses provided by creditors, as well as the intermediary service fee of the billion loan platform.

According to the above agreement, Shennan Information also signed the Entrusted Guarantee Contract with Shanghai Ganlong and other related parties, and issued letters of guarantee to all lenders of Yidai and Yidai, with a total guarantee amount (loan principal balance) of 200 million yuan. Shanghai Ganlong and other interested parties provide counter-guarantee for Shennan Information on the above-mentioned guarantee matters. Up to now, the guarantee balance has reached 23.3 million yuan10.4 million yuan.

It is worth noting that the announcement pointed out that the above acts are illegal external guarantees. According to the announcement, the above-mentioned guarantee behavior did not fulfill the decision-making procedures of the board of directors and shareholders' meeting of the company in accordance with the Listing Rules of Shenzhen Stock Exchange, the Articles of Association and the Company's External Guarantee Management System, nor did it inform the secretary of the board of directors and the securities affairs department of the company in accordance with the company's internal reporting system for major information, resulting in the failure to disclose relevant matters in time. The company will strictly investigate the reasons for the above-mentioned illegal external guarantees and the implementation of specific matters.

In addition, the announcement emphasizes that the company has sent a letter to Billion Loan, requesting to immediately stop lending the assets recommended to Shanghai Qianlong and strengthen the post-lending management of the loaned assets. At present, the guarantee has not been lifted, but there is no lawsuit involved. The relevant loan recommended by the guaranteed party has not expired, and there is no matter that needs to be repaid by Shennan Information. The follow-up company will take effective measures such as actively negotiating with the guarantor to terminate the guarantee agreement and properly solve the above-mentioned illegal external guarantee problems, and continue to pay attention to the progress of the guarantee matters and fulfill the information disclosure obligations in a timely manner.

Investors familiar with Hongling Venture Capital may know that Yidai is the related platform of Hongling Venture Capital, with Shennan and Hongling Venture Capital holding 565,438+0% and 49% respectively, and Zhou Shiping is the actual controller of the platform. In March of this year, Hongling Venture Capital announced a benign exit. At that time, Zhou Shiping said that the assets of the RMB100 million loan platform were compliant and had been deposited in the bank, and would continue to be retained for filing.

20 18, 1 1, Shennan shares plans to join hands with Hongling Venture Capital to increase the registered capital of 100 million yuan loan from 20 million yuan to 200 million yuan. 12 On February 4th, Shennan Co., Ltd. announced the Proposal on Capital Increase and Related Transactions of Shenzhen Billion Loan E-Commerce Co., Ltd., a holding subsidiary. However, on July 3 1 this year, Shennan shares issued an announcement on this matter, saying that Hongling Venture Capital indicated that it could not perform the contract according to the capital increase agreement. The loan 1 100 million capital increase was ruined.

In April this year, a pilot program for filing flowed out, in which the paid-in registered capital limit was mentioned for the first time, which set a threshold for online lending platforms: the paid-in registered capital of national operating institutions was not less than 500 million yuan; II. The paid-in registered capital of regional operations shall be no less than 50 million yuan. And the payment needs to be completed within six months. By the end of June, 2065438+2009, the accumulated loan amount of 100 million yuan loans was/kloc-0.72 billion yuan, the loan balance was 370 million yuan, and the registered capital was only 20 million yuan. Filing is a bit "dangerous".

The guaranteed party has much to offer.

The new financial headlines noticed that not only the loan of 100 million yuan from Hongling Venture Capital, but also the loan supermarket in Shanghai Ganlong drew water for many P2P platforms, and was repeatedly complained due to violent collection, usury and beheading. There are more than 4,000 related complaints on the complaint platform, ranking 19 among the total complaints in 20 18 years. Among them, the most complaints point to the fun flower staging under Shanghai Ganlong.

Some users complained that they jumped to a platform called Card Easy Loan through installment loan of Fun Flower. To apply for a loan on this platform, you need to buy an equity package of 299 yuan first, and then the loan fails and the fee cannot be refunded. According to the data, the main operator of Kayi Loan is Qingdao Xunlong Information Technology Co., Ltd. According to the enterprise survey data, the legal representative of this company is Yu Liang, the same as the legal representative of Qianlong Technology. Moreover, in a propaganda draft of Qingdao Xunlong, it was directly called a subsidiary of Shanghai Qianlong: "Shanghai Qianlong Financial Information Service Co., Ltd. was able to create a world of big data financial lending services, thanks to its Qingdao subsidiary, Qingdao Xunlong Information Technology Co., Ltd., which collected big data from the Internet as the main credit source. Qingdao Xunlong focused on big data analysis in the microfinance market, combined with its own lending platforms, Qianlong Mobile Loan and Youxin University Loan, and applied it.

Click on the "Super Product" advertised on the homepage of the app, and I found that I jumped to another platform, "Light Loan", which was provided by Shanghai Youzou Information Technology Co., Ltd. According to the enterprise survey data, this company was established in April 2065438+2006, and was controlled by Shanghai Ganlong 100%. Previously, I operated the "U-Family" app, focusing on campus loan business. According to the user's complaint information, Ms. Zuo is required to recharge her membership before she can borrow money. The charge is 99 yuan. After recharging, Ms. Zuo found that the platform introduced products from other platforms, and the interest rate was super high. Ms. Zuo felt cheated, but found that she could not apply for a refund and the customer service could not be contacted. Ms. Zuo thought: "This is completely disguised fraud."

Previously, Yuanfeng Mobile Loan APP was exposed by the media and could not repay, which caused the borrower to be "overdue". According to the borrower's report, he borrowed fun flowers in installments and found that he could not pay back the money after the expiration. After the maturity, not only the interest continues to increase, but the borrower is also bombarded by phone messages from the collection staff. After many attempts, I finally contacted the customer service, but I was told that I had to pay the overdue fee before I could cancel. In this regard, Yuanfeng Xiaoyu said that the interesting flowers in the "mobile phone loan" products are divided into cooperation platforms, and the delay in user write-off is caused by the problem of payment channels, and the cooperation platforms will be coordinated. He also said that cooperation with the platform will be strictly controlled in the future.

According to enterprise survey data, the largest shareholder of Yuanfeng Small Loan is Harbin Guanghua Carbon Fiber Co., Ltd., with a shareholding ratio of 39.0 1%. Shanghai Ganlong and its wholly-owned subsidiary Shanghai Shangyin Enterprise Management Co., Ltd. hold 60% equity of Harbin Guanghua Carbon Fiber. In addition, two other subsidiaries of Shanghai Ganlong, Jackie Chan Investment Management (Shanghai) Co., Ltd. and Qingdao Xunlong Information Technology Co., Ltd., also hold shares in Yuanfeng Small Loan, and the two * * * hold 265,438+0.69%.

In other words, Shanghai Ganlong is not only a cooperation platform for Yuanfeng small loans, but also a close equity relationship between them. The current "Yuanfeng Mobile Loan" app is more like a loan supermarket, providing diversion services for a variety of cash loan products.

New Finance has deeply noticed that there are still phenomena of non-repayment and disguised charges in the current installment of fun flowers. According to the complaint information of the black cat, the user paid Mr. Fu a loan of 3,000 yuan, with a term of one month, and should pay back 3,090 yuan at maturity. However, when making repayment, the platform prompts that 750 yuan's "credit guarantee" fee should be paid first, otherwise repayment cannot be made. Mr. Fu said that he didn't handle any other business when he borrowed money, and he didn't understand how this extra fee came from. One day after the deadline, Mr. Fu received a short message informing him that he was overdue for one day and needed to repay * * * * 3,895 yuan, and was harassed by the collection phone. Mr. Fu said that he is in a hurry now, but he wants to repay the loan, but he can't contact online customer service. The collection phone has not stopped for a day, and he is worried that overdue will affect his credit information. I hope that the fun flower installment can be handled as soon as possible, write off the account and apologize for compensation.

Judging from the name, "credit insurance" here should be a kind of insurance. Just a few days ago, the China Banking Regulatory Commission just issued the Notice on Self-inspection and Clean-up of Accidental Injury Insurance Business on Online Lending Platforms such as Cash Loans to property insurance companies, stopping insurance companies from selling accidental injury insurance business through online lending platforms such as Cash Loans, and requiring all property insurance companies to immediately organize an investigation including whether to cooperate, the name and quantity of cooperative platforms, premium income, insurance amount, compensation and the number of customers. At this time, the fun flower staging is still bundled with sales insurance, and the beheading interest is charged in disguise, which can be described as a crime against the wind. It can be seen that in the gathering of complaints, Qianlong Technology has a special topic about complaints about mobile phone loans, including more than 3,900 effective complaints, 4,099 posts and 50 joint posts.