Latest situation of Jiufu and Renren Loan

The platforms listed in this issue include Renren Loan, Love Qian Bao, Jiufu, Shangshang Jin Fu (Jieyue United), PPmoney, Rongbei.com, Investment Bao and Zhenrongbao. It is convenient to analyze platforms and social events one by one.

First, everyone's loan, nine rich. Renren's customer service also began to call borrowers and suggested getting off at a discount. Jiufu's customer service began to call users who didn't choose channels and suggested choosing channels.

After listening to the recordings of several lenders, the general strategy of everyone's loan is: now the institutions accessing the discount channel are more diversified (there are also three on the phone), and they can try to transfer. Asked about the upper limit of 30% discount, Renren Loan Customer Service indicated that it could try a higher discount.

However, the reality is that no one has seen the above 30% discount. As I told you before, getting off at a discount of more than 30% can't be proved without a screenshot. At present, the bottom line of personal loans is 30% off. Why? According to the feedback from Xiaoyi's last lender, the transfer was successful after 15 minutes of 30% discount.

A few days ago, Renren Loan announced the tenth batch of debt evasion list. But the debt transfer changes every few minutes, and the lender only pays back a few dollars. It's on sale so soon What do you want?

Jiufu's words are tentative: hello, our plan has been implemented in two phases, and the payment is normal. Why not choose a channel? What is the reason? (I don't know if it's Xi Anguoheng or Jiufufang)

It is increasingly found that some of the same characteristics of these platforms are that at first, they used a few understated guarantees to stabilize lenders, and later they became more and more unscrupulous and frequently hit their faces. Where is your honesty?

Oh, by the way, these platforms still have no integrity at all. They just want to maximize their own interests. In their eyes, it is a person who can bow his head. In order to maintain stability, he doesn't care what he said before.

By the way, the lender's lawsuit judgment mentioned last time won. It was Jiufu who filed the appeal, and the judgment was about jurisdiction. Now Jiufu no longer has to use jurisdiction as an excuse. The legal documents of the final judgment have not been found, but I also believe that justice will come soon.

Second, love money. The latest data are as follows. From 202 1 11to 2021February1,13296, the lender chose to get off, and the stock fell by 350 million yuan. The chart data are as follows.

As can be seen from the balance decline curve, the decline of money-loving stocks shows a slower and slower pattern. The stock decreased by 409 million yuan in the previous period and 350 million yuan in the current period, down 65,438+05% from the previous month.

At present, opening the gift package of full repayment of principal and interest and completely closing the discount channel are also one of the means to clean up the money stock. Forget it in the end, let alone go to the forum.

Three. Upward Jin Fu (Jieyue United). Yesterday, I learned that the creditor's rights of the lender below 30,000 yuan on the platform were forcibly converted into points of Xiaoxian Mall (that is, credit mall). Why is it a lender under 30,000 yuan? Xiao Yi personally thinks that it is because the platform thinks that these people are easy to bully, even if they are forced to exchange, it is nothing, but it is illegal, and the behavior is much worse than the love of money!

In view of the fact that this platform has not been filed, the Financial Office also said in its reply that it is urging the retreat. Therefore, I suggest that the lender who is forcibly converted into mall points file a civil lawsuit. Personally, I suggest referring to Jiufu's lawsuit. If this platform is so lawless and nobody cares, other P2P platforms may follow suit!

(absurd explanation)

What is even more amazing is that this platform actually requires lenders to refund interest, which is unprecedented. If someone withdraws interest, they may put it in the platform's own pocket, right?

Four. PPmoney. The discount is reduced to 44% again.

From 50% to 50%, most lenders have very strong objections. But from 50% to 48%, and then to 46%, some people call this method "boiling frogs in warm water" and let the platform take care of it.

Some time ago, PP held a so-called meeting. As a result, she never showed up. She just answers some irrelevant questions in the QQ group. This is called meeting, which is more sincere.

Fifth, invest in treasure. According to the materials provided by the lender, the withdrawal rules ("Balance Plan") voted by the "Investment Treasure" platform on April 8, 2009.

Due to the fact that the "balance plan" violated the fairness principle of Shenzhen's "two push guidelines", on June 8, 2020, the local financial supervision bureau of Shenzhen issued a "supervision letter" to stop the "balance plan" of the platform, and the platform immediately announced the implementation of the "transition plan". Since then, everyone's creditor's rights are equal, and everyone's compensation distribution ratio is the same.

However, some lenders paid less than 3% and some lenders paid more than 60% due to the unfair payment problem left before the issuance of the supervision letter, which has not been corrected. After another 8-month complaint from the lender, on September 8, 2020, the Guangdong Provincial Local Financial Supervision Bureau issued the "Reply on Solving Issues Related to Investment Treasure Redemption", requiring the platform to properly handle the remaining problems in the early redemption process.

However, Guangdong's reply does not mean the implementation of the rectification plan, and the settlement of the remaining problems of payment has been delayed. After four months' efforts, on 20021654381October 22nd, the Supervision Committee of China Investment Bank unanimously voted to initiate all lenders to vote on the optimization of payment ratio (that is, the "upper limit scheme"), that is, the payment ratio of each lender is linked to the asset coverage ratio, and 20% is set as the exit line. Lenders who exceed this ratio will suspend payment and wait for other lenders to reach this ratio before paying together. 2020/2/ 1 investment treasure platform announcement announced that lenders voted for their own interests.

However, the "height limit scheme" will be formally implemented in the subsequent redemption.

After nearly two years of unremitting rights protection, the idea that lenders enjoy the equality of creditors stipulated by law has finally been gradually realized. The above is the news that the materials compiled by the loan Committee told me. I hope that the investment treasure lenders can continue to work hard and constantly advance their demands.

Sixth, Rongbei.com. This platform is also the Beijing platform. After preliminary sorting out the materials, I learned that it was a redemption problem that occurred in July last year. After the storm, the underlying contract of the lender's creditor's rights could not be accessed and downloaded normally, and the identity of the candidate members was not made public before the establishment of the lending Committee, and the voting process was not made public. The lending committee at the lender's position was unilaterally dissolved, high-priced shopping malls were opened, and emergency passages were harvested at low discounts.

It can be found that all the routines are very common harvesting routines in Beijing P2P platform. Recently, the lender of the platform issued a statement in the newspaper and published it here.

Seven, Zhenrongbao. This platform released a new redemption plan for existing lenders the day before yesterday, as follows.

Scheme 1: The investment principal shall be paid according to the remaining investment principal on the day when the scheme is selected, starting from the month when the scheme is selected and weekly from the next month. The monthly payment ratio shall not be less than 6% of the investment principal on the date of scheme selection, and shall be paid on June 30, 2022. If paid, the remaining interest will be paid. In Scheme 2, the net principal is based on the remaining net principal on the day of scheme selection, and it is paid from the month of scheme selection, and the net principal of 10% is paid in the next month, which is almost 2021.65438+February.

Option 3: The debt-to-equity swap channel will not be closed for those who are in urgent need of funds to choose.

On the whole, the scheme 1 ranks high in the Beijing platform, and it can pay the principal, second only to Paipai Loan and lufax. At present, Zhenrongbao has 65.438+0.42 billion stock business and 654.38+0. 1 10,000 lenders.

As long as you hold the creditor's rights and disagree with the platform's plan, there is only one creditor's right left on the platform, which is not a benign exit (unless there is an extremely bad platform to forcibly dispose of the creditor's rights). This is a game.

Related Q&A: Is Zhenrongbao reliable? Zhenrongbao is still reliable. Zhenrongbao has a complete investment guarantee mechanism, which can provide users with a safer financial management model. At present, the registered number of Zhenrongbao investment is close to 2 million, and its users are all over the country, which has attracted extensive attention from the industry and won unanimous praise from users. Of course, it also depends on what products you choose, such as fixed deposit, current deposit and quick investment. The income of different products is different, and the annualized income of regular products is as high as 8.5%; The expected compound annualized income for the current period is 5.49%; The expected annualized interest rate of quick investment is 5%+, and the maximum income can be doubled. Generally speaking, the income of Zhenrongbao is still relatively stable.

Related Q&A: The group loan network is about to pronounce a sentence. What should all lenders do? 2065438+At the end of March 2009, only 9.4 billion yuan remained unpaid. Everyone's online lenders are United, don't be cheated by Tang Jun's offline private placement! Adhere to classified disposal, different legal persons and different companies, online and offline are separated, their investment fails, and our lenders don't pay the bill! !