When can I withdraw money?

On July 3rd, the sign "Office loves money" was removed.

As soon as the news of "Love Lei Qian" came out, many lenders (investors) fell into anxiety. According to several interviewees, as early as 20 19, it was very difficult to convert creditor's rights into cash. In the past year or so, Aiqian has taken measures such as "online shopping mall" and "emergency discount" to replace the demand of users for "cash withdrawal at maturity", but in the end it failed to resolve the "thunder explosion" crisis.

As of May 3, 2020, the balance of principal and interest of "Love Money" loan has exceeded 24.5 billion.

It was learned from people familiar with the matter that the public security organ has initiated an investigation into the problem that the products of "Love Qian Bao" cannot be withdrawn due to expiration.

Many wealth management products of "Love Qian Bao" cannot be redeemed at present.

I will always receive its advertisements. 2065438+At the end of July 2007, Chen Jie, a Shenzhen engineer, came into contact with the P2P lending information intermediary platform of "Love Qian Bao".

According to public information, the full name of "Aiqianjin" is Aiqianjin (Beijing) Information Technology Co., Ltd., with a registered capital of 65.438 billion yuan. It was put into production on May 6th, 2004. According to the survey, Shanghai Rong Shu Network Technology Co., Ltd. holds 65,438+000% of the shares of Aiqianjin Platform, and the legal representatives and executive directors of both companies are Qi Dong.

In the ranking of China Internet Finance Association and various "comprehensive strength comparison" lists, "Love for money" is among the best. In addition, Wang Han, Liu Wen and others, as spokespersons, also appeared in the product introduction. "This is one of the reasons why I have confidence in my love of money," Chen Jie said.

"Quancunbao" is the main product before "Love Qian Bao" platform. The term of assignment of creditor's rights ranges from 3 months to 18 months, and the sale is stopped in 20 18 years. The short-term yield of "whole deposit treasure" is around 10%. In the middle of 20 17, Chen Jie tentatively invested more than 9000 yuan in the "whole deposit treasure" and immediately won the red envelope award. Since August of that year, she has invested tens of thousands of yuan each. So far, the principal and interest in her account have reached 589,000 yuan, of which 1.2 million yuan is interest income.

From thousands to hundreds of thousands, like Chen Jie, many users who love Qian Bao have gone through the process of testing, trusting and then giving up their investment.

According to "Love Qian Qian" official website, as of July 2, 2020, the cumulative amount of matchmaking transactions on the platform reached 23 1.92 1 billion yuan, and the cumulative number of matchmaking transactions was about 990 million, and the cumulative number of service users was 1.679 million. As of May 3, 2020, the principal of the loan balance was 227.6 1 100 million yuan, and the interest on the loan balance was1782 million yuan.

At the beginning of 20 19, some lenders found it difficult to withdraw cash after the "lump sum deposit and lump sum withdrawal" expired. The official of "Aiyingbao" responded at that time: it takes a long time for debt to be converted into cash, and users are advised to switch to the new product "Aiyingbao", otherwise they can only wait. "Aiyingbao" was launched on 20 19, and it is not much different from "lump sum deposit and withdrawal" in terms of interest rate and term setting. But it needs to be snapped up at 6 o'clock every day when it is operated. At that time, "Aiyingbao" was often sold out instantly.

Because she is not in a hurry to use money, Chen Jie doesn't find it difficult to withdraw money. 2065438+In March 2009, she made additional investment. At that time, she received sales calls from "Love Qian Bao" customer service one after another, introducing the platform's interest rate hike policy and various gifts. So, she took out more than 30,000 yuan to invest in "Aiyingbao" with an interest rate of 10%, which will expire on March 3, 2020. This is her last investment.

Since then, Chen Jie has found that none of the "lump-sum deposit and withdrawal" due later can be cashed, and none of the "lump-sum deposit and withdrawal" due after March 2065438+2009 can be withdrawn so far.

According to the incomplete statistics of lenders in the rights protection group, the maximum amount that an individual cannot withdraw at maturity can reach170,000 at present. A rights protection group with an investment of 500,000 has reached 500 people, and the corresponding two groups have more than 200 people.

Money can't be cashed, affecting investors' lives and even having no money to see a doctor.

The life of Chen Jie and many lenders has been affected because the investment in the "Love Money" platform cannot be fulfilled.

Last year, Chen Jie had a plan to buy a house.

At present, there are more than 200 thousand teachers in rural Shandong who can't get it out. Before that, he had been working in other places. Because of the epidemic, he can't return to work this year, his wife has no job, and his children are anxious to go to school. Others said in the rights group that the mother was seriously ill, but she could not get this "life-saving money."

In order to protect their rights and interests, the lender reported and complained to the public security, economic investigation, letters and visits and other departments.

In May, 2020, some lenders spontaneously went to iQiyi's Beijing headquarters to learn about the situation, and iQiyi's reception managers Zhou Peng and Zhang Hui met them.

Respondents said that when they communicated with Zhou Peng on May 9, the other party said that "Love Money" was seeking the support of the central bank to connect the borrower's credit information system, so as to effectively deal with the behavior of "Lai Lai" and ensure the rights and interests of lenders.

Chen Jie introduced that "Love Qian Shengqian" had a "mismatch" function at the beginning of its establishment, that is, if the borrower has paid back the money, if the money is not re-matched with the new borrower, the lender can raise funds in real time. The number and time of "mismatch" are random. If it is not put forward in time, it will be matched again. In order to recover the loss, after Aiyingbao's money could not be withdrawn, Chen Jie stared at her mobile phone and took it out one by one every day. Sometimes she could only "grab" a few dollars.

Chen Jie found that the amount of "mismatched" funds available decreased month by month, and many investors worried that the final refund channel of "mismatched" funds would also be closed.

The staff of the "Love Money" platform mentioned in the online reception that there are about 60 million payments on the platform every day, so it may take 2-3 years for everyone to "offline" the principal and interest.

The game will not stop.

Lawyer Chen Jianmin, deputy director and senior partner of Beijing Deheheng (Shanghai) Law Firm, pointed out that it is very strange that "Love Money" helps to redeem through "Shopping Mall". Because "Ai Qian Shengqian" originally provided intermediary business, if its business is completely compliant, even if there is a breach of contract, it does not need to be paid by the platform, but should be paid by the actual borrower. Now love money has become a sideline of "shopping malls", and there has been a situation of platform-based payment, which inevitably makes people feel that its intermediary business in lending is not in compliance.

The company once advocated 100% principal and interest guarantee.

Many lenders said that it was precisely because "Love Money" claimed that its two certificates were complete and were blessed by "national supervision" that they boldly and confidently invested their funds in the platform.

In addition, Tianyancha information shows that "Love Qian Qian" was given an administrative penalty of 50,000 yuan on April 19, 2065438 for false propaganda and violation of advertising content management regulations.

At the end of May, 2020, some lenders called Huaxia Bank's customer service phone number one after another, asking the bank to provide the depository of the lender's transfer records. The customer service replied that the lender's deposit flow and existing balance could not be inquired.

Kuang Yuqing, the research founder of Lens Company, a third-party research institution, pointed out: "These publicity make the platform appear compliant and reliable in front of lenders, but in fact, depository banks cannot take responsibility for the platform."

Articles 20 and 22 of the Guidelines for Fund Depository in Peer-to-Peer Lending issued on February 22, 2017 clearly point out that depository institutions are not responsible for verifying the authenticity of loan projects and loan transaction information, and are not responsible for the authenticity, accuracy and completeness of peer-to-peer lending information data; As the depository of peer-to-peer lending funds, commercial banks should not be regarded as providing guarantees or other forms of guarantees for peer-to-peer lending transactions and other related behaviors.

According to the customer service introduction of "Aiqianjin" platform, if the borrower who participates in the "guaranteed repayment plan" has overdue repayment, the guarantee company will pay the lender corresponding to the borrower who participates in the plan within the balance of the special account for responsibility funds, and the lender will bear the risks that cannot be covered outside the balance of the special account for responsibility funds.

"Many companies violate the rules, and the guarantee institutions involved cannot really provide guarantee services. These guarantee companies are often their own related parties, and the left hand guarantees the right hand, "said Kuang Yuqing, the research founder of Lens Company, a third-party research institution. "The registered capital of the guarantee company is only a consideration standard. For example, the registered capital of a guarantee company is only 1 billion yuan, but the project it guarantees on the platform has exceeded1billion yuan, and this project has 1% bad debts.

According to the company's change record, Qian Qian's parent company, Shanghai Rong Shu Network Technology Co., Ltd., has undergone two "head changes". 2065438+In May 2009, Shanghai Rong Shu Network Technology Co., Ltd. was renamed from Fanpujinke Enterprise Development (Shanghai) Co., Ltd., and its original name was inclusive finance Information Service (Shanghai) Co., Ltd.

According to the information of Tianyancha, Ai Qianjin was involved in 18 legal proceedings, including being sued by others or companies for eight reasons, including loan contract disputes, reputation rights disputes and service contract disputes. In addition to the parent company Shanghai Rong Shu Network Technology Co., Ltd., the list of defendants in nine legal proceedings also includes Pan Pujinke Group Co., Ltd.

In addition, Ai Qianjin was once involved in the storm of misappropriating the platform to lend funds to affiliated companies.

Love money to withdraw from the "discount car purchase" plan.

While the "unparalleled" function went offline, the "Love Money" platform launched the "emergency preferential channel", also known as the "discount off" plan. Lenders can fill in the discount ratio and apply for transfer to the platform, that is, lenders voluntarily give up part of interest or principal, thus speeding up the realization of debts. Love money into the emergency discount channel page declares: "The lower the discount ratio, the faster the transfer can be completed."

But not all applications were approved. According to Chen Jie's understanding, the less money the better. Lenders whose capital contribution is less than 1 10,000 yuan will have the hope of quitting. However, if the investment is around 50,000 yuan, the discount is generally kept at 30% or 60%. Large households with a capital contribution of more than 654.38 million+rarely see successful discounts. One of Mr. Wang's investment friends still has more than 600 thousand stagnant, of which more than 300 thousand is interest He chose to "get off" with a 54% discount. In the end, in addition to more than 300 thousand interest, the principal lost more than 40 thousand.

At present, due to the different amount of capital contribution and maturity time, different lenders have different views on the way of safeguarding rights. If the person who expires in February hopes to repay the principal and interest in full by accelerating the transfer of creditor's rights, if it expires next year or at the end of this year, he hopes that the platform will come up with a redemption plan.

However, for the goal of safeguarding rights, the opinions of lenders are quite consistent. Chen Jie said that her claim for rights protection is "full repayment of principal and interest, and payment at maturity", which means that both principal and interest should not be damaged, and this part of creditor's rights that has expired at present should be paid as soon as possible. "My money didn't come from the strong wind. Why should I give it to him for nothing?" Chen Jie said that some lenders also put forward the minimum requirement of "no loss of principal".

Mr. Sun just graduated this year and is in urgent need of money. There are still more than200,000 that cannot be withdrawn. This is his tuition loan, working income, money saved by his parents and himself. "If you can't get this money, it is definitely impossible to accept it."

In an interview with the media, the relevant staff of Beijing Dongcheng District Financial Office revealed that it had been learned that "Love for Money" was put on file for investigation by relevant departments.

(At the request of the interviewee, Chen Jie and Yi Yue are pseudonyms. )

Related questions and answers: Is it reliable to pay for love within three years? Love money into this platform is not very reliable, and there are still some problems. The data of Aicai in July has not been released yet, but there were one deceptive harvesting operation after another last month, so I don't think the harvesting data will be too bad.