What are the three p2p companies now?

Authoritative person's speech: In mid-October of 2020/KLOC-0, P2P online lending has gone to zero, leaving only three operations. Netizen speculation: pterosaur loan, Alibaba, Tencent

Then the question comes, is the borrower still paying high interest on the illegal platform, and can the lender's money be recovered? But this is good for social and economic development, and the relevant departments have also suppressed this financial corruption.

165438+1October 6, CBRC revealed the latest situation of P2P industry: the number of P2P online lending institutions actually operating in China has decreased to three.

Liu Fushou, the chief lawyer of China Banking and Insurance Regulatory Commission, introduced the situation of preventing and resolving 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 actual P2P online lending institutions in China have dropped from about 5,000 at the peak to three at present. The scale of lending 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?

There are different opinions about "who are the three institutions".

On the national Internet finance registration and disclosure service platform of the website of China Internet Finance Association, the interface journalist inquired that there were three institutions whose project status was "raised" from June 5438+00, namely pterosaur loan, Xianzhi Chuangke (9 1 Wang Cai) and Jinbo loan, and all three institutions began to raise new targets after June 5438+00.

Among them, the amounts of five fundraising projects of pterosaur loan are all below 654.38+10,000 yuan, and the amounts of Xianzhi Chuangke and Jinbo loan projects are also below 1 10,000 yuan.

According to Tianyancha 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.

Interface journalists went to official website to inquire about pterosaur loan, and found that financial products such as "Wing Nong Xiang Hui", "Sesame Blossom" and "Wing Nong Plan" were still issuing new bids, and a total of 2 1 new bids were raised. The lock-up period ranges from 30 days to 365 days, and the amount raised in each period ranges from tens of thousands to 400,000.

1The monthly operating report of 2020 pterosaur loan110 shows that the total amount of loans in that month was 10.88 million yuan, and the total number of borrowers was17,328, with more than 83.9% of the loan projects in10.

The second Xianzhi Maker, with a registered capital of 60 million, is a comprehensive Internet finance company. Its small loan product is 9 1 Wang Cai, and the depository bank is also Xiamen Bank.

According to 9 1 official website, Wang Cai,1.8 is still in the process of bidding, and the new bid is 17, and the amount raised is between 790,000 and 3 million. According to its monthly transaction data, in June 2020, the loan amount reached11.1.50 billion, and the number of lenders reached 8586. In June 1 1 the loan amount still reached 250 million, and the current loan balance reached 12.66.

The registered capital of the third Jinbo loan is1400 million yuan, which is a subsidiary of Jiangxi Boneng Holdings Co., Ltd., and the bank where the account is opened is not clear. 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 private bank approved in Jiangxi Province, which was approved in May 2009.

At present, there are five new bids issued after165438+1October 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 number and amount of overdue 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 national online micro-loan company with a registered capital of not less than 654.38 billion yuan in Jiangxi, but no more new progress has been made so far.

However, there are also views that these three institutions should be pterosaur loan, pleasant loan and Hengyirong (owned by 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; Hengyirong's latest performance report has not been updated since July this year. No matter whether it is loose bid or emergency convertible bond, it is full and the loan is stopped.

According to the second quarter financial report of Yirenmenke in 2020 and the self-made program Downing Living Room by CEO Downing, Yirenmenke is in the transition from P2P financing to loan assistance 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 Pleasant Loan is still in operation, it will gradually complete the transformation of 100% clearing by the end of this year.

In addition to the above-mentioned 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 in the process of retiring or transforming.

Paipai Loan, Youzi Loan and Caiqilin have announced the completion of loan repayment and the transformation of lending platforms or financial technology enterprises. Renren Loan, Xiaoyun Net Gold, Yang Qian Pot, Shoujin Net, Aitou Finance, Cai Jie Today, Chain Home Finance, etc. do not release new indicators, and the projects are being collected and cleaned up.

In other P2P institutions, a large number of projects are overdue and difficult to operate, such as Jiufu Pratt & Whitney, ppmoney, Dianrong, Qianjin Jin Fu, Lazy Investment, Shangjinfu, Daokou Loan, Epro Finance, Credit Bao and Bangronghui. Among them, Love Money, Money Station, Fanpu Credit, etc. It has been put on file for investigation on charges of "illegally absorbing public deposits" and "illegal fund-raising fraud".

Countdown to the full retreat of P2P online lending industry

From thousands to three, the liquidation of the online loan industry has been gradual.

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 still took 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 and finalizes seven principles for rectification. The cash loan supervision policy was officially introduced, and the comprehensive loan ratio could not exceed the red line of 36%.

On June 20 19, Jin Mu remediation office issued the "Opinions on Doing a Good Job in Classified Disposal and Risk Prevention of Online Lending Institutions" (document 175), which proposed that the withdrawal of P2P institutions should be the main work direction, laying the main tone for the industry restructuring in 20 19. Subsequently, the P2P online lending industry began the "repayment" countdown on 20 19.

By the end of 20 19 and 10, the number of operating institutions in China had dropped to 427, and more than 1200 P2P companies were suspended 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 very 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 the inclusive finance Department of the China Banking Regulatory Commission, revealed that by the end of August this year, the number of online lending institutions in operation had dropped to 15, which was 99% lower than that at the beginning of 20 19. The loan balance decreased by 84%, the lenders decreased by 88% and the borrowers decreased 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, the CBRC has six statistics. After only 15 days, this number becomes 3.