This also means that this old P2p platform officially entered the liquidation countdown, which also means that the online loan industry officially ended its barbaric growth and gradually matured.
In fact, as early as 2065438+July 2007, Zhou Shiping publicly expressed the idea of liquidation, which shocked the industry at that time. We must know that although there were many problems in the online lending industry at that time, no company did so, and it was a year after the large-scale "outbreak" of the online lending industry. However, at that time, considering the stability of the industry, the regulatory authorities called to remind them to change to compliance filing.
Two years ago, Zhou Shiping bluntly said that online lending is not what we are good at, nor what we value. It's only a matter of time before the industry is finally cleared out. In the past two years, the online loan industry has suffered a large-scale reshuffle and the industry is developing in an increasingly healthy direction. In Zhou Shiping's view, with the change of the industry situation, after consulting the regulatory authorities, the timing of liquidation is just right.
Gradually liquidate within three years.
On March 23rd, Zhou Shiping published an article in Hongling Community, which announced a preliminary liquidation plan.
According to the plan, Hongling Venture Capital will liquidate the online creditor's rights assets of the platform at the end of February 2002165438, and the unexpired part of the creditor's rights will be fully acquired by Hongling Holdings; The investment treasure platform has been fully transformed into offline private placement, and the original online targets have been replaced in batches and correspond to high-quality assets. Online platform 20211has been cleaned up before the end of February; The assets of the billion loan platform are compliant and have been deposited in the bank, and continue to be retained and strive for filing.
Zhou Shiping said that the original large single assets of the platform were non-compliant assets, which were realized by auction, merger and reorganization. At present, the time for disposal is ripe, and it is expected that it can be recycled in batches within three years. In addition, according to the latest mutual fund supervision policy, the clean-up of the net worth target is coming to an end, which will require reducing the scale of the platform's stock assets and the number of investors.
The plan is divided into three steps to clean up the stock scale: the online stock scale of the platform will be reduced by 5 billion yuan in 20 19, by 8 billion yuan in 2020 and by the end of 200212.
At the same time, at the end of March, Hongling Venture Capital will set up an asset recovery committee, which is composed of asset disposal expert consultants, professional cooperation institutions, regulatory representatives, investors' representatives, shareholders' representatives and Dong's representatives. , to ensure the recovery of platform assets, and will hold on-site exchange meetings from time to time. In addition, a platform clearing information column will be established to disclose the liquidation progress in time and report it to the regulatory authorities for the record.
Zhou Shiping said that Hongling Holdings and himself will guarantee the liquidation plan with all the realizable assets to ensure the safe landing of investors.
As early as 20 17, Zhou Shiping published the related posts of "When Hongling Venture Capital will be properly wound up" and "Lao Zhou talks about the three-year winding-up plan of online loan business" in Hongling Venture Capital Forum. At that time, he said: "Online lending is not what we are good at. It is only a matter of time before this piece is cleaned up." There was no reason for liquidation at that time. It said that first, the non-performing assets accumulated in previous years have yet to be disposed of, and second, the new transformation is still in the transition period, which is about three years.
The latest outstanding compensation amount is 654.38+084 billion yuan.
(excluding net value)
Official website showed that Hongling Venture Capital was officially put into operation in March 2009. As of March 23, the total number of people raised by the platform was 6,543,803,600, and the total number of lenders was 486,300, with a cumulative lending amount of 452 billion yuan. The latest outstanding amount is 654.38+084 billion yuan (excluding net value). Just yesterday, it also successfully lent 72.52 million yuan.
Judging from the geographical distribution of loan amount, Jiangsu, Hubei, Shandong, Zhejiang and Guangdong rank in the top five. Among them, Jiangsu Province, Zhou Shiping's hometown, has a total loan of 49.399 billion yuan, with a total loan of 47.0/kloc-0.90 billion yuan, ranking first.
Yabao Qian Yi Dai
Continue to maintain and strive for records.
It is worth noting that in this liquidation plan, Zhou Shiping's plan for 1 billion yuan loan is very clear-the platform assets are compliant and have been deposited in the bank, and will continue to be retained and strive for filing.
According to the data of official website with a loan of 100 million yuan, up to now, the cumulative transaction amount of the platform is 65.438+53.7 million yuan, the cumulative transaction days are 65.438+0.621day, and the cumulative registered number is 56.5438+0.77 million. The company is managed by Wang Xin Bank and has the background of A-share listed companies.
This listed company is Shennan shares. According to public information, Yidai is a P2P platform jointly held by Hongling Venture Capital and Shennan Jinke Co., Ltd., a listed company, and Zhou Shiping is also the chairman of Shennan Co., Ltd., a listed company.
On March 22nd, Shennan Company released its 20 18 annual report. According to the data, the revenue of Shennan Company in 20 18 was 654.38+82 million, and the net profit loss was 49.0678 million, down 739.58% year-on-year. In the previous performance report, the company said that one of the reasons for the decline in net profit was the acquisition of Shenzhen Easy Money Loan E-Commerce Co., Ltd., a holding subsidiary, with a large investment last year, which did not reflect the performance during the reporting period.
According to the information in the financial report, Shennan shares invested 8,654,386,000 yuan in Shenzhen Easy Money Loan E-Commerce Co., Ltd. by way of acquisition, with a shareholding ratio of 565,438+0%, and the source of funds was its own funds.
At the end of the 100 million yuan loan period, the total assets were 25,905,300 yuan, the net assets were 4,922,400 yuan, the operating income was 33,296 yuan, the operating profit loss was15,903,700 yuan, and the net profit loss was1/73,900 yuan. In addition, affected by the "824 new regulatory regulations" of the Internet finance industry, the loan of 100 million yuan was only filed through ICP, and the ICP license has not been obtained so far.
At present, in addition to billions of loans, the P2P platform associated with Shennan shares also includes Hongling Venture Capital. 20 18, 1 1, Shennan also announced the same proportion of capital increase as Hongling Venture Capital. Among them, with its own funds of 9,654,388+0.8 million yuan and Hongling Venture Capital, the registered capital of billion loans increased from 20 million yuan to 200 million yuan after the capital increase. Shennan shares hold 565,438+0%, and Hongling Venture Capital holds 49%.
Difficulties in filing
In 20 18, the online loan industry suffered heavy losses, but it was also this year that the development of the online loan industry ushered in hope. The release of documents such as online loan compliance 108 rules, compliance inspection notice, and cracking down on malicious debt evasion has given the industry a very clear direction for rectification and development.
With the deepening of P2P compliance inspection, "compliance filing" will be a major event of the industry "survival" platform in 20 19. It is foreseeable that in 20 19, the online loan industry will be a crucial year for filing and acceptance, and it is also the starting point for the online loan industry to enter the era of comprehensive compliance.
On 20 18, Hongling venture capital actively sought to put on record, but this may just become an insurmountable hurdle.
In October, 2065438+200865438+27/KLOC-0, Zhou Shiping mentioned that the only obstacle to the filing of Hongling Venture Capital was the original large stock assets, which were defined as non-compliant assets, so the biggest problem at present is the disposal of the stock assets.
There is another reason that affects it, that is, the problem of net worth target.
In 20 12, Hongling venture capital began to launch the net worth standard business. According to the operation report released by official website, the net turnover of Hongling Venture Capital in 20 17 years exceeded 1000 billion, accounting for 92.35%. From 2065438 to the first half of 2008, the net bid exceeded 54 billion, accounting for 94.53%.
20 18 September, the Shenzhen municipal rectification office severely criticized the leverage behavior of Hongling venture capital at the meeting, and set 20 18 as the deadline for completing the clean-up of the net worth target. Subsequently, Hongling Venture Capital made several rectifications and adjustments to the rules of the net worth target.
On September 17 of that year, Hongling Venture Capital issued the Announcement on Comprehensively Cleaning up the Net Value Bidding Business on the Platform (Trial Edition) in official website, saying that it would gradually stop issuing net value bidding in stages.
On March 2, 2065438 1 day, Hongling Venture Capital issued an announcement, announcing that it would completely stop issuing the Internet logo from April 201day, and at the same time adjust the fee for the transfer of creditor's rights. If the creditor's rights are held for less than 30 days, the transfer service fee is 2% of the transfer principal, and the transfer service fee is.
In this liquidation post, Zhou Shiping said that the security of existing assets invested by various platforms has no impact, and financial planning is freely carried out according to the maturity date; The replacement bidding for 36 months will be suspended from June 30th. Considering the limitation of the number of investors, investors with total assets less than 50,000 yuan can only be restricted from bidding after July 1. Investors with total assets exceeding 50,000 yuan reserve the bidding authority until 202165438+February 3 1.
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China fund newspaper
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