Financial Management Platform Of Private Financial Institutions Is Gradually Exposed.

At present, the non-governmental financial institutions are mixed, and the financial platform is gradually exposed. In this process, there are some non-standard platforms for self financing and misappropriation of funds. In fact, it has only been able to maintain the capital chain by borrowing new loans, and the snowball is constantly rolling.

"We have been making a lot of encouragement from the beginning of this year, building new teams and giving salesmen all sorts of names, that is, in order to increase financing." Wang Wei (a pseudonym) said that this is the platform for its work to "go on". Wang Wei is the head of a financial platform business team with a total investment exceeding 30 billion yuan in a city in the East.

Investor Chen Mou expresses his concern according to the reporter. The investment he made on a platform, if he wanted to use it earlier, would be able to withdraw money within two or three days if he was willing to sacrifice part of his interest. But when he recently had the same demand, he was told a new rule: he could draw money, but he could draw at most 200 thousand yuan per working day. Chen's investment in this platform has reached nearly 6 million yuan. Even if he insisted on drawing money every day, it would take more than a month to complete the withdrawal.

Seeing the problem platform being exposed one after another, the new rules for drawing up the financial platform aggravated Chen's anxiety. "I'm worried that the company will be in trouble for a month." He said.

The new platforms such as the platform, though different, are not uncommon. On the occasion of the chain of funds or the tightness of the market, there will be some similar means of operation of the financial platform.

Wang Wei said he clearly felt that this year's financial institutions had been playing tricks in order to stabilize sales of products. Wang Wei summed up three major aspects: the first aspect is the expansion of financial advisor team. Wang Wei, head of the team, was interviewed by reporters. The purpose is to let reporters help him find out if anyone else has to change jobs in the industry. His team is in urgent need of expansion.

"This year, we have set up a" full Award ", that is, several people need to be recruited for several teams, and there will be rewards if they are filled. Wang Weizheng worked hard for this bonus, and the financial manager, the insurance company's extra agent, and so on, had become the people who Wang Wei wanted to focus on. The purpose of expanding enrollment is to raise the amount of financing.

The second aspect is that the company has raised the performance commission for the salesperson in the year after year, and has set up a reward policy with different grades. For example, the original customer manager was rewarded 1 million yuan a month, and now the 500 thousand yuan grade is also awarded to the new employee. The new employee has set up 200 thousand yuan grade similar "new person Award".

The third aspect is to increase incentives for customers. For example, years ago impulse It rewards the two highest investment accounts of the whole platform with a famous brand car (right of use).

For this new incentive scheme for customers, a financial platform investor who has recently exposed the capital chain problem reacted to our reporter. The platform has engaged in the feedback activities of the cruise ship's package tour, and has notified the old customers that there are more than 500 seats. "Old customers who have stock funds above 300 thousand yuan will be able to participate as long as they are willing to renew 100 thousand yuan."

A financial institution macroeconomic analyst said in an interview with reporters, in the low speed development cycle of the economy, "asset shortage" is a common predicament faced by financial institutions. Even the banking industry is struggling to find a good loan company and stabilize the quality of credit assets. The expansion of the scale has slowed down collectively.

However, there are many financial platforms and network lending platforms that can counter the potential expansion. Many of these platforms have indeed found good business models or partners, such as opening up the front and rear ends of an industry's supply chain, thus forming a supply chain finance mode. According to a reporter's interview, financial platform managers with wind control experience are good at controlling the scale expansion speed. Within the scope of the regulation, the risk will not be too concentrated. Secondly, the more platform for operating compliance will be more transparent about the details of its business mode and the disclosure of investors' funds to the target. Thirdly, the financial platform will not be closely related to the actual borrowing enterprises (some borrowing companies are directly controlling shareholders or subsidiaries of the financial platform).

Thus, some Financial management platform What specific items on the asset side are unclear, which can hide the loan companies and their financial situation, but the transaction volume at the capital side can be as high as tens of billions of yuan, or the amount of financing doubled or even doubled over the past two years on the basis of the base of the previous year, which in itself has been contrary to "common sense".

"If the platform is able to make investment funds correspond to external targets, capital If we invest in the norm, we will not panic to pull the scale. Fear is mostly due to the deficit of the platform itself. " The analysts said.

"E rent treasure" is a warning. Survey data show that by the end of June 2015, the total amount of e rental transactions totaled 8 billion yuan, and by December 8, 2015, this figure had reached 74 billion 568 million yuan. Such a huge amount of physical volume specific to what asset targets? Until the platform is checked, investors themselves can not say.

"The chairman and the legal representative of the company are very normal, but if they change frequently in a few months, or from the chairman, the legal person to the top management, it will be more strange." The above financial institutions macroeconomic analyst said.

According to the P2B financial platform that the reporter had previously traced and linked to a well-known supply chain enterprise, he changed the legal representative in August 2014, changed the investor (equity) in the same month, changed the supervisor in September, and changed the legal representative again in October. According to a former executive of a company, the legal representative who was eventually replaced by the two legal representative of the company is a young employee recruited by the society.

By the end of 2014, the capital chain of the supply chain enterprise was broken.

A recently released financial platform for financial chain problems has also issued a new appointment notice in its official WeChat channel. According to the notice, the chairman and CEO of the platform are all changed and appointed "effective immediately". In this regard, no mention of any board resolution has been made in the notice of the latest personnel appointment. It is hard for the outside world to think of the "rush for change" and the corporate governance regulations and compliance issues behind it.

It is not difficult to find a legal advisory website or search engine. If a company changes its legal representative or an increase in capital inflow before the company fails, it also needs to intercept the outflow of funds.

The problem encountered by the investors is that they can only take out 200 thousand of the investment amount that they can only take out at the expense of some interest. Under the new regulation, the maximum amount of withdrawals per working day is only $200 thousand. Even if Chen's investment in this platform is daily, it will take more than a month to complete the withdrawal.

The financial platform investor, who recently exposed the capital chain problem, has also encountered a similar problem of "withdrawal policy changes". But perhaps the reason why Huang's investment manager is lack of management, Huang said he and his colleagues bought products from different financial managers on the same platform, and asked for their redemption in advance. Their colleagues succeeded, but her financial manager refused.

According to the reporter sent to WeChat and her money manager dialogue screenshots. Financial manager said, "one year products can not be redeemed in advance". But Huang said that when she bought the product, the financial manager once said she could redeem it in advance.

Shareholders' responsibility and property transfer are everywhere.