The accumulated loan balance of wheat financial service suspected of illegal deposit by investigation is over 2.4 billion

category:Finance
 The accumulated loan balance of wheat financial service suspected of illegal deposit by investigation is over 2.4 billion


According to the circular, the wheat loan, white-collar goods, white-collar treasury, malt installment and big landlord involved in the wheat assets are all foreign loan platforms, and the funds involved are all involved in the case, and the borrower involved shall perform the repayment obligations in accordance with the law. From now on, the borrower of the above platform shall remit the repayment principal and interest into the stolen money refund account designated by the public security organ according to law. If the repayment is not made in time, the police will pursue it according to law.

According to the official website of Macintosh financial services, the full name of the company is Shanghai Nuo pound customer financial information service Co., Ltd., with a registered capital of 108 million yuan and a paid in registered capital of 72 million yuan. It was founded in June 2009 and mainly provides online lending information intermediary services. At present, it has more than 11 million registered users of individuals and institutions, as well as about 300 employees. In addition, all customer funds of Maizi Jinfu are deposited by Huishang bank.

The data shows that as of August 31, 2019, the total number of registered users (persons) of wheat financial services reached 12.11 million, the total amount of transactions was about 71.098 billion yuan, and the total amount of loan balance (referring to the total amount of loan principal that has been matched by wheat financial services and has not been repaid as of the statistical time point, excluding the interest part) was about 2.438 billion yuan.

In terms of lender information, by the end of August, the total number of lenders was 736287, and the current number of lenders was 29825, mainly distributed in Shanghai, Beijing, Shenzhen, Guangzhou and Hangzhou.

According to the official website, Huang Darong, CEO of maizijinfu, served as assistant to the chairman of Christine Food Co., Ltd. from 2005 to 2006, general manager of Shanghai Aiman Investment Management Co., Ltd. from 2006 to 2009, and vice president of Shanghai Financial Information Industry Association since 2015.

It is worth mentioning that in October this year, Huang Darong announced that in order to actively respond to and cooperate with the regulatory three drop requirements, the wheat financial service suspended the issuance of new standards, and the lender recovered the corresponding creditors rights in accordance with the original loan agreement. Wheat financial service will assist the lender to transfer the creditors rights to the asset management company, and help the lender to collect the money after the creditors rights are consolidated.

To this end, Macintosh also issued a special notice on the content and interpretation of the scheme of collection guarantee court litigation collection collection, in which Macintosh emphasized that the capital assets of Macintosh correspond one by one, there is no self financing, no capital pool, and there is no contact with customer funds.

In addition, maizijinfu also provides three payment collection schemes for the lender, namely scheme a (recharge principal guarantee scheme), scheme B (investment principal guarantee scheme) and scheme C (high yield and high risk scheme).

According to the three schemes, there are two situations for the recovered funds: the first situation is to basically cover the principal, if there is a difference between the principal, wheat financial services will subsidize it through the net profit brought by other business development in the next three years, so the lenders with stable risk can choose scheme a or B; the second situation is that there may be some excess earnings, and they like high risk and high income The lender who is willing to win the excess return can choose option C. As for the source of repayment, maizijinfu said: since maizijinfu operates strictly in accordance with the provisions of online lending intermediary, the repayment source of these three schemes is mainly the money that maizijinfu calls back through court proceedings after merging the creditors rights. It is disclosed that as of November 20, 10864 scheme customers have been selected, including a3955 scheme customers, b6672 scheme customers and c237 scheme customers. Source: First Financial Editor: Zhong Qiming

According to the three schemes, there are two situations for the recovered funds: the first situation is to basically cover the principal, if there is a difference between the principal, wheat financial services will subsidize it through the net profit brought by other business development in the next three years, so the lenders with stable risk can choose scheme a or B; the second situation is that there may be some excess earnings, and they like high risk and high income The lender who is willing to win the excess return can choose option C.

As for the source of repayment, maizijinfu said: since maizijinfu operates strictly in accordance with the provisions of online lending intermediary, the repayment source of these three schemes is mainly the money that maizijinfu calls back through court proceedings after merging the creditors rights.

It is disclosed that as of November 20, 10864 scheme customers have been selected, including a3955 scheme customers, b6672 scheme customers and c237 scheme customers.