34 online loan platforms announced that they would withdraw after cashing. Many people are curious, but do they still need to repay the money they borrowed? Of course, they have to repay it, because if they are always in arrears, they will go to the credit bureau, and they can't borrow the money to buy a house in the future.
Since the second half of last year, the number of problem platforms in the online lending industry has increased significantly. According to the data of online lending Tianyan, in March 2019, there were 251 new problem platforms nationwide, reaching a new high since July last year. These include suspension of operation, platform loss, platform liquidation, difficulty in cash withdrawal, platform extension and platform dispute.
Tianyan believes that the 175 documents issued at the beginning of the year, according to regulatory requirements, the current main direction of work is still to adhere to the withdrawal of institutions, in addition to some strictly compliant operating institutions, the rest of the institutions' can withdraw as much as possible, should close as much as possible '.
In addition, with the continuous delay in the process of filing, many online lending platforms have encountered considerable capital pressure in the process of compliance rectification. In addition, bank deposit management fees, insurance testing fees, law firms, accounting firms and other related expenses have virtually increased the operating costs of P2P platforms, resulting in many platforms withdrawing from the industry.
According to the statistics released by online lending Tianyan yesterday, at present, 34 P2P platforms have finished cashing out.
Among the 34 platforms, as of April 8, 7 have completed cashing out this year, 14 in 2018 and 6 in 2017. According to the data, the scale of these platforms that complete all cashing is relatively small, and the operation is relatively compliant. Secondly, platforms such as Gome and Netease are relatively small in scale due to their strong strength. If they want to withdraw, it is relatively easy to cash in full.
On March 27, the Shenzhen Internet Finance Association issued the "Shenzhen online lending information intermediary benign exit guidelines". Prior to this, Shanghai, Guangzhou, Hangzhou and other places have also issued exit guidelines. With the gradual implementation of the liquidation, many online lending platforms will be unable to complete the filing due to non-compliance or have operational difficulties in the future. These institutions will face orderly 'benign exit' and be cleared by the market.
On April 8, the official wechat of Jinan Internet Finance Association released the exit list of the first batch of P2P online loans announced by Jinan Hujin rectification office: Jinan Branch of CIC Shengyin (Beijing) Asset Management Co., Ltd., Shandong yuebang Investment Management Co., Ltd., Shandong seed Network Technology Co., Ltd., Shandong Fenghui fortune SME Service Co., Ltd. and Shandong yuanpin e-commerce Co., Ltd Laiwu Zhuoyue e-commerce consulting Co., Ltd.
According to the announcement, 30 days after the announcement, the Jinan mutual fund rectification office handed over the list of six exit institutions to the market supervision and administration department, which will handle them in accordance with relevant regulations. According to the first online loan inquiry, these six institutions have been listed in the list of abnormal operation by the market supervision department. Among the reasons for the difference, there is a clause that 'the registered residence or business place can not get in touch with the enterprise'.
In the future, under the guidance of the regulatory authorities, reasonable retirement and orderly exit may become the norm of the industry.