Dianrong blasting thunder: forcing lenders to accept 30percent discount purchase plan and unable to file a case

category:Finance
 Dianrong blasting thunder: forcing lenders to accept 30percent discount purchase plan and unable to file a case


According to the official website of strongpoint Finance (now officially renamed as dianrong), dianrong is an Internet lending information service intermediary company, providing innovative financial technology solutions for the Chinese market and focusing on Internet lending information intermediary services.

A victim in Henan told futures daily that they are not running away, but the hard-earned money of the lender will not come back. Is dianrong rich or not? If there is no money, why the negotiation plan given is to buy back bonds at 30% discount. If you have money to buy back bonds, cant you pay them back to investors?

It is reported that the real explosion of dianrong began on January 1, 2020. On January 6, 2020, it officially announced the establishment of the lender Committee (hereinafter referred to as the lending committee), and ultimately formed a 30 member team by voting.

Investors nicknamed post-80s pink pigs told reporters that in response to regulatory requirements, dianrong set up a lending committee to clear the platform, but the actual lending committee did not have real power.

As for the composition of the lending Committee, post-80s pink pigs told reporters that they volunteered to sign up and vote. At present, the lending Committee of dianrong is basically elites of various industries. So it seems that all kinds of elites cant stop the routine, not to mention us ordinary people!

The current situation is that the asset management company will make a 30% discount purchase under the tacit approval of the supervision, without any retirement plan. 30% off acquisition, shopping mall goods exchange, is the current unified operation mode of all P2P platforms! Moreover, due to various reasons, the issue of point financing can not be put on file. After 80 pink pigs told reporters.

It is understood that some victims chose to get off the train early and accept the 30% discount bond repurchase scheme. The post-80s pink pig said that at present, the 30% discount of the principal is still based on the deduction of the historical income, and even less than 20% of the previous income is included. There is also an operation of the industry is to turn the money of the lender into points, so that it can buy things at a price higher than the actual goods. At present, the other party has not done this step, waiting for the tacit consent of the regulatory authorities.

The reporter learned from the rights activists that the normal return of the lender has been intercepted, which is currently in the double zero state, that is, 0 principal return, 0 interest. It is understood that this will cause panic, thereby lowering the psychological expectations of lenders, forcing them to accept the 30% discount transfer scheme. According to the above-mentioned rights activists, dianrong officially began to recover bonds in July, with a daily limit of 3-5 million yuan, and repurchased 100-150 million yuan in July.

For borrowers, how does dianrong operate?

It is understood that there are not a few complaints from borrowers about dianrong. The problems are mainly about cutting off interest and violent collection.

The reporter learned from the wechat platform of dianrong difficult friends that one of the borrowers said that he applied for a loan of 60000 yuan in Shanghai dianrong on April 20, 2018, and the actual contract amount was 79654.80 yuan. He signed a yin-yang contract without knowing it. Dianrong said that part of it is insurance premium. Prepayment can be refunded, but it is not. Up to now, he has paid off 26 installments (36 in total), with 2978.79 yuan in each installment, and 107236.44 yuan in total. However, at present, there is no customer service call. It is said that some borrowers have not returned the insurance premium after prepayment, and send text messages and phone calls before the repayment date every month. One borrower said that the biggest problem of dianrong is not risk control, but yin-yang contract, which is like a trap. For example, you can see that the loan contract is 13000 yuan, but the actual loan amount of the borrower is only 10000 yuan. The borrowers 10000 yuan loan is repayable according to the highest legal interest rate of 24% of the same amount of principal and interest. The accumulated repayment amount of one year is less than 11500 yuan, but from the contract point of view, this is not enough to repay the principal, and more and more overdue year after year. If we say 2015 is a dark year in the history of P2P. After five years of rectification, how can anyone escape the fate of thunder Source: futures daily editor: Wang Xiaowu_ NF

The reporter learned from the wechat platform of dianrong difficult friends that one of the borrowers said that he applied for a loan of 60000 yuan in Shanghai dianrong on April 20, 2018, and the actual contract amount was 79654.80 yuan. He signed a yin-yang contract without knowing it. Dianrong said that part of it is insurance premium. Prepayment can be refunded, but it is not. Up to now, he has paid off 26 installments (36 in total), with 2978.79 yuan in each installment, and 107236.44 yuan in total. However, at present, there is no customer service call. It is said that some borrowers have not returned the insurance premium after prepayment, and send text messages and phone calls before the repayment date every month.

One borrower said that the biggest problem of dianrong is not risk control, but yin-yang contract, which is like a trap. For example, you can see that the loan contract is 13000 yuan, but the actual loan amount of the borrower is only 10000 yuan. The borrowers 10000 yuan loan is repayable according to the highest legal interest rate of 24% of the same amount of principal and interest. The accumulated repayment amount of one year is less than 11500 yuan, but from the contract point of view, this is not enough to repay the principal, and more and more overdue year after year.

If we say 2015 is a dark year in the history of P2P. After five years of rectification, how can anyone escape the fate of thunder