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现金贷整顿:“老赖”集结不还钱,有平台只放贷给熟客

来源: 南方日报网络版     时间: 2019年12月13日 15:25:03
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河内5分彩注册平台直招龙虎代理客服QQ/微信【421618535】诚招代理【在线开户网址um996.com】龙虎和龙虎1赔2.211合1赔9.95,定位胆1赔9.95腾讯分分彩,5分,10分彩,最高返水100反9快,最高赔率,正规信誉大平台平台24h提供注册及登录。现金贷整顿:“老赖”集结不还钱,有平台只放贷给熟客

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(与)(周)(杨)(不)(同)(,虽)(然)(在)(群)(里)(鼓)(动)(大)(家)(不)(要)(害)(怕)(逾)(期)(催)(收)(,王)(小)(宇)((化)(名)()还)(是)(准)(备)(先)(把)(到)(期)(的)(几)(千)(块)(贷)(款)(还)(上)(,因)(为)(这)(两)(个)(贷)(款)(都)(是)(第)(一)(次)(出)(现)(逾)(期)(。“当)(初)(因)(为)(三)(四)(个)(月)(没)(上)(班)(,再)(加)(上)(我)(女)(友)(在)(一)(起)(就)(开)(销)(大)(。分)(期)(的)(暂)(时)(不)(怕)(,这)(几)(天)(到)(期)(的)(几)(千)(块)(钱)(要)(还)(上)(,别)(让)(征)(信)(、家)(里)(受)(到)(影)(响)(,催)(收)(来)(恐)(吓)(通)(讯)(录)(的)(熟)(人)(什)(么)(的)(不)(好)(。”
出)(于)(家)(中)(负)(担)(的)(考)(虑)(,王)(小)(宇)(不)(敢)(告)(诉)(父)(母)(,12月)(4日)(下)(午)(,他)(跑)(出)(门)(,开)(始)(找)(朋)(友)(筹)(钱)(。
存)(量)(逾)(期)(高)(达)(70%,平)(台)(担)(心)(引)(发)(踩)(踏)(事)(件)(
“每)(家)(的)(不)(良)(都)(提)(高)(了)(10到)(15个)(百)(分)(点)(,存)(量)(逾)(期)(别)(说)(50%,70%的)(都)(有)(。”
老)(赖)(们)(的)(态)(度)(对)(于)(现)(金)(贷)(平)(台)(方)(和)(资)(金)(方)(而)(言)(,打)(击)(尤)(胜)(监)(管)(的)(收)(紧)(。
据)(记)(者)(此)(前)(了)(解)(,一)(些)(现)(金)(贷)(平)(台)(对)(外)(公)(布)(的)(坏)(账)(率)(在)(5%左)(右)(。业)(内)(人)(士)(称)(,坏)(账)(在)(5%-6%属)(运)(营)(不)(错)(的)(平)(台)(,政)(策)(趋)(紧)(可)(能)(会)(增)(加)(,大)(量)(共)(债)(群)(体)(会)(逾)(期)(、违)(约)(。
“我)(现)(在)(最)(关)(心)(的)(就)(是)(贷)(款)(能)(否)(收)(回)(来)(,或)(者)(收)(回)(来)(的)(比)(例)(是)(多)(少)(。现)(在)(首)(逾)(已)(快)(突)(破)(50%了)(,之)(前)(首)(逾)(在)(20%到)(25%,增)(加)(了)(不)(少)(。”一)(家)(现)(金)(贷)(平)(台)(的)(创)(始)(人)(林)(宇)(称)(,这)(个)(情)(况)(不)(一)(定)(每)(个)(平)(台)(都)(会)(遇)(到)(,可)(能)(有)(些)(风)(控)(做)(得)(比)(较)(好)(。
林)(宇)(说)(,害)(怕)(坏)(账)(引)(起)(行)(业)(的)(“踩)(踏)(事)(件)(”,虽)(然)(也)(算)(是)(考)(验)(风)(控)(的)(一)(次)(行)(业)(洗)(牌)(的)(过)(程)(。“可)(能)(进)(入)(晚)(的)(企)(业)(,之)(前)(的)(利)(润)(都)(要)(收)(回)(去)(。我)(们)(也)(可)(能)(有)(一)(部)(分)(也)(会)(回)(去)(,但)(还)(能)(保)(证)(一)(定)(的)(利)(润)(。”
“从)(大)(家)((行)(业)()对)(整)(个)(贷)(后)(表)(现)(的)(相)(互)(交)(流)(看)(,每)(家)(的)(不)(良)((即)(坏)(账)()(平)(均)()都)(提)(高)(了)(10到)(15个)(百)(分)(点)(,存)(量)(逾)(期)(别)(说)(50%,70%的)(都)(有)(,而)(且)(将)(近)(四)(成)(都)(是)(首)(逾)(触)(发)((即)(第)(一)(期)(就)(不)(还)(钱)()。这)(种)(情)(况)(很)(可)(怕)(,由)(老)(赖)(引)(起)(的)(行)(业)(踩)(踏)(事)(件)(,不)(是)(有)(可)(能)(,而)(是)(正)(在)(发)(生)(。”这)(两)(天)(私)(下)(里)(的)(行)(业)(互)(动)(、大)(家)(相)(互)(报)(的)(数)(字)(,都)(让)(作)(为)(几)(家)(现)(金)(贷)(的)(资)(金)(方)(、某)(P2P平)(台)(主)(管)(市)(场)(与)(业)(务)(合)(作)(的)(副)(总)(裁)(刘)(洋)(深)(感)(寒)(意)(。
记)(者)(看)(到)(某)(反)(欺)(诈)(公)(司)(的)(华)(北)(区)(负)(责)(人)(在)(朋)(友)(圈)(晒)(出)(某)(家)(资)(产)(管)(理)(集)(团)(承)(接)(现)(金)(贷)(不)(良)(资)(产)(托)(管)(的)(业)(务)(消)(息)(,有)(几)(位)(现)(金)(贷)(的)(老)(板)(“走)(过)(路)(过)(”时)(,还)(点)(了)(赞)(。
当)(被)(问)(及)(是)(否)(收)(到)(这)(类)(接)(盘)(侠)(的)(行)(业)(电)(话)(时)(,刘)(洋)(不)(太)(愿)(意)(正)(面)(回)(答)(。但)(他)(告)(诉)(记)(者)(,对)(于)(不)(良)(,其)(合)(作)(方)(、还)(想)(做)(下)(去)(的)(现)(金)(贷)(业)(者)(目)(前)(采)(取)(了)(如)(下)(几)(种)(举)(措)(:
第)(一)(种)(,“大)(不)(了)(我)(们)(就)(做)(公)(益)(了)(”,趣)(店)(事)(件)(中)(罗)(敏)(的)(这)(句)(话)(,现)(在)(确)(实)(代)(表)(了)(一)(部)(分)(从)(业)(者)(的)(心)(态)(,“但)(前)(提)(是)(你)(的)(底)(气)(够)(足)(、前)(期)(的)(利)(润)(够)(多)(”。
第)(二)(种)(,“有)(的)(机)(构)(加)(强)(了)(产)(品)(端)(的)(调)(整)(,新)(客)(就)(不)(放)(贷)(了)(,只)(放)(有)(信)(用)(记)(录)(的)(熟)(客)(”。据)(记)(者)(了)(解)(,这)(种)(情)(况)(确)(实)(存)(在)(,有)(些)(现)(金)(贷)(同)(时)(连)(贷)(款)(超)(市)(的)(导)(流)(也)(停)(掉)(,只)(维)(系)(与)(老)(客)(户)(长)(期)(形)(成)(的)(借)(贷)(关)(系)(。
第)(三)(种)(,加)(强)(贷)(后)(的)(投)(入)(,从)(催)(收)(力)(度)(上)(去)(提)(高)(回)(款)(率)(。据)(悉)(,面)(对)(强)(大)(的)(老)(赖)(军)(团)(,为)(了)(高)(效)(催)(收)(,平)(台)(给)(催)(收)(员)(涨)(薪)(5倍)(,月)(薪)(达)(到)(7万)(多)(,催)(收)(员)(则)(日)(日)(加)(班)(加)(点)(,使)(出)(浑)(身)(解)(数)(仍)(收)(效)(甚)(微)(。
“如)(果)(都)(不)(还)(钱)(了)(,你)(们)(怎)(么)(办)(?”“没)(办)(法)(,目)(前)(就)(只)(能)(拿)(利)(润)(补)(窟)(窿)(,万)(幸)(放)(的)(总)(量)(并)(不)(大)(。我)(们)(的)(所)(有)(交)(易)(都)(要)(交)(税)(,包)(括)(坏)(账)(也)(要)(交)(,因)(为)(不)(是)(金)(融)(机)(构)(,没)(有)(金)(融)(机)(构)((免)(税)(的)()特)(权)(”。刘)(洋)(回)(答)(完)(记)(者)(之)(后)(,叹)(了)(一)(口)(气)(,赶)(往)(他)(的)(下)(一)(个)(会)(场)(。
另)(有)(一)(家)(平)(台)(的)(创)(始)(人)(也)(担)(心)(群)(体)(性)(坏)(账)(或)(者)(共)(债)(集)(中)(爆)(发)(,“同)(行)(谁)(也)(没)(好)(果)(子)(吃)(”。“这)(个)(群)(体)(本)(来)(是)(共)(债)(情)(况)(比)(较)(多)(的)(群)(体)(,其)(实)(在)(我)(这)(边)(借)(的)(,可)(能)(也)(在)(别)(的)(平)(台)(借)(,我)(的)(老)(用)(户)(也)(有)(可)(能)(是)(别)(家)(的)(新)(用)(户)(。”林)(宇)(说)(。
缩)(减)(贷)(款)(量)(至)(1/10,有)(平)(台)(转)(型)(消)(费)(分)(期)(
“目)(前)(一)(天)(放)(贷)(的)(金)(额)(在)(几)(百)(万)(元)(,大)(约)(为)(之)(前)(的)(十)(分)(之)(一)(。”
林)(宇)(大)(概)(算)(了)(下)(,目)(前)(一)(天)(放)(贷)(的)(金)(额)(在)(几)(百)(万)(元)(,大)(约)(为)(之)(前)(的)(十)(分)(之)(一)(,“之)(前)(一)(天)(可)(能)(放)(六)(七)(千)(万)(”。而)(在)(关)(于)(现)(金)(贷)(的)(规)(范)(政)(策)(出)(来)(之)(前)(,林)(宇)(旗)(下)(平)(台)(的)(费)(息)(已)(经)(改)(到)(年)(化)(36%了)(,也)(不)(是)(“砍)(头)(息)(”的)(模)(式)(。
据)(记)(者)(了)(解)(,对)(于)(行)(业)(头)(部)(的)(公)(司)(来)(说)(,每)(日)(的)(放)(贷)(金)(额)(超)(过)(亿)(元)(并)(不)(罕)(见)(。上)(市)(公)(司)(二)(三)(四)(五)(公)(布)(的)(财)(务)(数)(据)(显)(示)(,2016年)(,旗)(下)(小)(额)(现)(金)(贷)(款)(平)(台)(“2345贷)(款)(王)(”发)(放)(贷)(款)(达)(411.75万)(笔)(,贷)(款)(总)(金)(额)(为)(62.74亿)(元)(,同)(比)(增)(长)(了)(2160%,其)(中)(12月)(单)(月)(发)(放)(金)(额)(便)(达)(14.02亿)(元)(。
“闪)(电)(借)(款)(”是)(掌)(众)(金)(服)(在)(2014年)(推)(出)(的)(小)(额)(借)(款)(在)(线)(撮)(合)(平)(台)(,近)(期)(宣)(布)(下)(调)(综)(合)(费)(息)(至)(年)(化)(36%以)(下)(。按)(照)(上)(市)(公)(司)(中)(国)(信)(贷)(科)(技)(2017年)(中)(报)(,在)(上)(半)(年)(,掌)(众)(金)(服)(的)(注)(册)(用)(户)(增)(长)(了)(769万)(人)(,累)(计)(撮)(合)(交)(易)(额)(213亿)(元)(,并)(围)(绕)(闪)(电)(借)(款)(延)(伸)(出)(大)(额)(现)(金)(分)(期)(、流)(量)(分)(发)(平)(台)(等)(业)(务)(。
官)(网)(显)(示)(,截)(至)(10月)(底)(,掌)(众)(金)(服)(累)(计)(撮)(合)(交)(易)(额)(超)(600亿)(元)(。也)(就)(是)(说)(,6月)(后)(的)(四)(个)(月)(时)(间)(里)(,掌)(众)(金)(服)(平)(均)(每)(月)(撮)(合)(放)(贷)(金)(额)(接)(近)(100亿)(元)(。
在)(前)(期)(下)(架)(超)(过)(36%利)(率)(的)(产)(品)(后)(,某)(现)(金)(贷)(平)(台)(经)(历)(了)(缩)(小)(现)(金)(贷)(业)(务)(比)(例)(、转)(型)(做)(信)(息)(导)(流)(平)(台)(等)(尝)(试)(,政)(策)(出)(台)(后)(,又)(着)(手)(做)(更)(多)(的)(准)(备)(。
“准)(确)(来)(说)(,现)(金)(贷)(业)(务)(我)(们)(停)(掉)(了)(。基)(本)(上)(政)(策)(出)(来)(之)(后)(,就)(马)(上)(停)(掉)(了)(,大)(概)(一)(个)(月)(之)(前)(我)(们)(推)(出)(了)(消)(费)(分)(期)(”,这)(家)(平)(台)(的)(一)(位)(负)(责)(人)(称)(,他)(们)(主)(要)(定)(位)(做)(平)(台)(业)(务)(,为)(持)(牌)(的)(金)(融)(机)(构)(做)(导)(流)(,因)(为)(创)(始)(人)(多)(有)(大)(型)(互)(联)(网)(公)(司)(的)(经)(验)(,也)(符)(合)(金)(融)(科)(技)(公)(司)(的)(属)(性)(。
另)(外)(一)(家)(下)(调)(过)(现)(金)(贷)(业)(务)(综)(合)(费)(息)(的)(公)(司)(表)(示)(,规)(范)(现)(金)(贷)(的)(文)(件)(发)(布)(后)(,已)(经)(组)(织)(各)(个)(业)(务)(部)(门)(逐)(条)(梳)(理)(改)(善)(相)(关)(业)(务)(,对)(不)(符)(合)(新)(规)(的)(部)(分)(进)(行)(调)(整)(完)(善)(,加)(强)(息)(费)(改)(革)(、催)(收)(规)(范)(以)(及)(客)(户)(筛)(选)(和)(信)(息)(保)(护)(。
据)(该)(公)(司)(人)(士)(介)(绍)(,之)(前)(也)(已)(经)(在)(消)(费)(分)(期)(方)(面)(拓)(展)(业)(务)(,和)(一)(些)(大)(的)(电)(商)(公)(司)(、金)(融)(机)(构)(开)(展)(了)(合)(作)(,现)(金)(贷)(存)(量)(在)(贷)(款)(余)(额)(中)(比)(例)(并)(不)(大)(。
服)(务)(商)(做)(好)(最)(坏)(打)(算)(,或)(将)(损)(失)(千)(万)(
“这)(几)(天)(我)(们)(算)(了)(下)(可)(能)(要)(‘打)(水)(漂)(’的)(损)(失)(没)(上)(亿)(,但)(也)(是)(千)(万)(元)(级)(别)(的)(。”
“我)(们)(的)(客)(户)(中)(有)(三)(成)(是)(无)(牌)(照)(的)(,如)(果)(老)(赖)(不)(还)(钱)(,引)(发)(共)(债)(或)(行)(业)(性)(的)(‘踩)(踏)(’事)(件)(,这)(几)(天)(我)(们)(算)(了)(下)(可)(能)(要)(‘打)(水)(漂)(’的)(损)(失)(没)(上)(亿)(,但)(也)(是)(千)(万)(元)(级)(别)(的)(。”张)(园)((化)(名)()作)(为)(某)(家)(大)(数)(据)(获)(客)(及)(精)(准)(营)(销)(服)(务)(商)(的)(战)(略)(合)(规)(部)(总)(监)(,向)(记)(者)(坦)(言)(《通)(知)(》出)(来)(这)(两)(天)(,他)(们)(的)(数)(据)(查)(询)(业)(务)(,明)(显)(在)(下)(降)(。
存)(量)(逾)(期)(、行)(业)(坏)(账)(的)(上)(升)(,现)(金)(贷)(第)(三)(方)(是)(否)(会)(出)(现)(“关)(门)(潮)(”?
面)(对)(这)(个)(问)(题)(时)(,张)(园)(给)(出)(肯)(定)(答)(案)(。“我)(们)(有)(些)(同)(行)(现)(金)(贷)(客)(户)(占)(到)(90%,他)(们)(的)(日)(子)(可)(想)(而)(知)(。”除)(了)(几)(千)(万)(元)(的)(营)(收)(损)(失)(外)(,她)(和)(公)(司)(几)(位)(高)(管)(已)(经)(做)(好)(了)(最)(坏)(的)(打)(算)(。
细)(化)(看)(,目)(前)(张)(园)(所)(在)(公)(司)(大)(致)(分)(成)(三)(块)(数)(据)(服)(务)(业)(务)(,即)(与)(信)(贷)(、商)(业)(决)(策)(以)(及)(智)(能)(投)(资)(有)(关)(的)(数)(据)(查)(询)(服)(务)(。其)(中)(与)(信)(贷)(相)(关)(的)(业)(务)(占)(比)(超)(过)(40%,近)(一)(年)(来)(,现)(金)(贷)(客)(户)(的)(服)(务)(合)(同)(,是)(张)(园)(所)(签)(最)(多)(的)(一)(类)(。
“他)(们)(太)(好)(赚)(钱)(了)(,”张)(园)(回)(忆)(道)(,“当)(时)(有)(几)(家)(规)(模)(不)(算)(太)(大)(的)(现)(金)(贷)(公)(司)(的)(老)(板)(,说)(只)(要)(放)(贷)(两)(个)(月)(他)(们)(就)(能)(回)(本)(,没)(有)(太)(多)(技)(术)(含)(量)(。但)(是)(没)(想)(到)(监)(管)(整)(治)(方)(案)(落)(地)(会)(这)(么)(快)(,他)(们)(连)(运)(营)(的)(资)(格)(都)(没)(有)(拿)(到)(。”
对)(于)(监)(管)(整)(治)(意)(见)(给)(现)(金)(贷)(带)(来)(的)(效)(应)(,张)(园)(将)(其)(分)(成)(短)(期)(和)(长)(期)(。
“短)(期)(看)(,3到)(6个)(月)(吧)(,行)(业)(里)(没)(有)(受)(益)(者)(,大)(家)(面)(对)(的)(情)(况)(都)(差)(不)(多)(,损)(失)(是)(一)(定)(的)(,只)(能)(看)(是)(否)(超)(过)(预)(期)(,有)(‘家)(底)(’的)(能)(挺)(过)(来)(。”
在)(12月)(1日)(《通)(知)(》出)(来)(的)(那)(个)(晚)(上)(,张)(园)(和)(同)(事)(第)(一)(个)(动)(作)(是)(把)(系)(统)(中)(所)(有)(客)(户)(信)(息)(都)(调)(了)(出)(来)(,进)(行)(量)(化)(分)(析)(。对)(于)(涉)(及)(场)(景)(较)(多)(,有)(现)(金)(贷)(业)(务)(、也)(有)(信)(用)(卡)(代)(偿)(、消)(费)(信)(贷)(、抵)(押)(贷)(款)(等)(业)(务)(的)(客)(户)(,张)(园)(认)(为)(“其)(实)(无)(所)(谓)(,因)(为)(现)(金)(贷)(只)(是)(他)(们)(业)(务)(中)(的)(一)(部)(分)(。他)(们)(下)(架)(现)(金)(贷)(产)(品)(,转)(做)(一)(些)(大)(额)(分)(期)(的)(产)(品)(,像)(这)(类)(,我)(们)(认)(为)(没)(有)(还)(款)(问)(题)(。”
“影)(响)(最)(大)(的)(是)(那)(些)(无)(牌)(的)(机)(构)(,特)(别)(是)(资)(金)(端)(严)(重)(依)(赖)(银)(行)(、消)(费)(金)(融)(公)(司)(,仅)(帮)(他)(们)(做)(助)(贷)(,而)(且)(手)(上)(也)(没)(有)(自)(己)(参)(股)(或)(全)(资)(经)(营)(的)(P2P或)(互)(联)(网)(小)(贷)(公)(司)(。”张)(园)(统)(计)(这)(类)(客)(户)(在)(30%左)(右)(,虽)(然)(目)(前)(没)(有)(明)(确)(要)(对)(现)(贷)(业)(者)(进)(行)(账)(款)(催)(收)(,但)(“我)(们)(已)(经)(做)(好)(他)(们)(全)(部)(关)(门)(、无)(法)(结)(清)(我)(们)(的)(钱)(款)(的)(准)(备)(,我)(们)(把)(明)(年)(的)(预)(算)(也)(做)(了)(调)(整)(”。
“这)(是)(最)(坏)(的)(打)(算)(,还)(能)(忍)(吧)(”,顿)(了)(一)(下)(,张)(园)(略)(带)(沙)(哑)(地)(说)(。
但)(长)(期)(看)(,张)(园)(认)(为)(行)(业)(中)(有)(实)(力)(者)(终)(将)(浮)(现)(。
首)(先)(,“接)(下)(来)(,你)(会)(看)(到)(一)(批)(小)(贷)(公)(司)(的)(增)(资)((即)(注)(册)(资)(本)(金)()”,她)(认)(为)(这)(是)(监)(管)(方)(严)(控)(杠)(杆)(率)(的)(结)(果)(。
其)(次)(,“像)(P2P,我)(们)(反)(而)(认)(为)(会)(迎)(来)(某)(种)(新)(生)(”。张)(园)(解)(释)(道)(,P2P因)(为)(是)(资)(金)(与)(资)(产)(的)(闭)(环)(,资)(金)(来)(源)(于)(个)(体)(用)(户)(,本)(来)(也)(不)(受)(杠)(杆)(的)(影)(响)(,只)(要)(提)(升)(资)(金)(端)(的)(收)(益)(率)(,再)(辅)(助)(一)(些)(营)(销)(的)(推)(广)(活)(动)(,更)(多)(的)(用)(户)(把)(钱)(投)(到)(P2P里)(,P2P的)(资)(金)(来)(源)(反)(而)(会)(增)(大)(。资)(产)(端)(方)(面)(,如)(果)(现)(金)(贷)(收)(缩)(了)(,已)(经)(被)(现)(金)(贷)(市)(场)(激)(活)(的)(用)(户)(借)(款)(需)(要)(也)(会)(转)(向)(P2P。
张)(园)(曾)(做)(过)(梳)(理)(,现)(金)(贷)(业)(者)(有)(几)(千)(家)(,但)(真)(正)(跟)(他)(们)(签)(数)(据)(服)(务)(合)(同)(的)(,不)(到)(10%,这)(意)(味)(着)(大)(部)(分)(的)(机)(构)(是)(不)(去)(做)(精)(细)(化)(运)(营)(的)(。“洗)(牌)(之)(后)(生)(存)(下)(来)(的)(机)(构)(,其)(精)(细)(运)(营)(的)(程)(度)(、风)(控)(的)(能)(力)(而)(论)(,都)(是)(绝)(对)(的)(强)(者)(。”
资)(金)(方)(态)(度)(“谨)(慎)(”助)(贷)(模)(式)(难)(以)(为)(继)(
向)(银)(行)(求)(助)(资)(金)(无)(望)(,P2P的)(态)(度)(也)(谨)(慎)(起)(来)(。
“现)(在)(的)(硬)(伤)(是)(没)(有)(网)(络)(小)(贷)(牌)(照)(,一)(点)(办)(法)(也)(没)(有)(。全)(国)(大)(概)(3000家)(现)(金)(贷)(平)(台)(,可)(能)(90%的)(都)(处)(于)(‘裸)(奔)(’状)(态)(。只)(能)(按)(助)(贷)(模)(式)(走)(,而)(监)(管)(画)(了)(很)(多)(线)(。”林)(宇)(坦)(言)(,自)(己)(是)(真)(想)(做)(好)(这)(个)(行)(业)(,因)(为)(消)(费)(需)(求)(已)(经)(被)(激)(活)(了)(,但)(目)(前)(也)(是)(边)(做)(边)(看)(。
林)(宇)(所)(说)(的)(助)(贷)(模)(式)(,是)(此)(前)(行)(业)(内)(多)(数)(平)(台)(采)(用)(的)(放)(贷)(模)(式)(。一)(位)(业)(内)(人)(士)(表)(示)(,之)(前)(很)(多)(做)(现)(金)(贷)(的)(平)(台)(都)(是)(创)(业)(公)(司)(,没)(有)(牌)(照)(的)(公)(司)(都)(会)(选)(择)(助)(贷)(模)(式)(,资)(金)(方)(如)(银)(行)(、消)(费)(金)(融)(公)(司)(等)(会)(有)(牌)(照)(。
“现)(金)(贷)(”最)(新)(的)(整)(顿)(通)(知)(虽)(然)(没)(有)(否)(定)(助)(贷)(模)(式)(,但)(也)(做)(出)(了)(限)(制)(,要)(求)(“助)(贷)(”业)(务)(回)(归)(本)(源)(,银)(行)(业)(金)(融)(机)(构)(不)(得)(接)(受)(无)(担)(保)(资)(质)(的)(第)(三)(方)(机)(构)(提)(供)(增)(信)(服)(务)(以)(及)(兜)(底)(承)(诺)(等)(变)(相)(增)(信)(服)(务)(,应)(要)(求)(并)(保)(证)(第)(三)(方)(合)(作)(机)(构)(不)(得)(向)(借)(款)(人)(收)(取)(息)(费)(。
由)(于)(此)(前)(放)(款)(资)(金)(主)(要)(来)(自)(P2P,林)(宇)(在)(几)(个)(月)(前)(开)(始)(接)(触)(一)(两)(家)(银)(行)(系)(统)(,但)(他)(估)(计)(合)(作)(也)(会)(搁)(浅)(,“不)(知)(道)(现)(在)(银)(行)(对)(这)(件)(事)(情)(的)(看)(法)(。”
一)(家)(银)(行)(机)(构)(合)(作)(部)(分)(的)(负)(责)(人)(坦)(言)(,相)(关)(的)(政)(策)(都)(很)(严)(,所)(以)(没)(有)(碰)(现)(金)(贷)(合)(作)(这)(一)(块)(业)(务)(。“也)(和)(寻)(求)(合)(作)(的)(现)(金)(贷)(平)(台)(聊)(过)(,但)(是)(没)(什)(么)(合)(作)(,包)(括)(对)(合)(规)(性)(等)(方)(面)(的)(考)(虑)(。”
向)(银)(行)(求)(助)(资)(金)(无)(望)(,林)(宇)(之)(前)(合)(作)(的)(“老)(伙)(伴)(”P2P的)(态)(度)(也)(谨)(慎)(起)(来)(。“P2P资)(金)(方)(也)(在)(做)(测)(试)(,之)(前)(需)(要)(多)(少)(资)(金)(都)(会)(提)(供)(,最)(近)(是)(做)(了)(一)(些)(限)(制)(。不)(过)(,即)(使)(一)(天)(给)(我)(们)(几)(千)(万)(,我)(们)(也)(消)(化)(不)(掉)(,因)(为)(平)(台)(本)(身)(控)(量)(的)(幅)(度)(也)(很)(大)(。”
机)(构)(相)(互)(猜)(疑)(,有)(资)(金)(方)(全)(部)(叫)(停)(合)(作)(
《通)(知)(》出)(来)(后)(,一)(切)((合)(作)()都)(戛)(然)(而)(止)(。
刘)(洋)(所)(在)(的)(P2P平)(台)(作)(为)(曾)(经)(的)(现)(金)(贷)(的)(资)(金)(方)(存)(在)(,“今)(年)(7月)(以)(后)(逐)(渐)(开)(始)(收)(量)(资)(金)(供)(应)(,并)(非)(是)(因)(为)(听)(到)(监)(管)(的)(风)(声)(,但)(是)(我)(们)(有)(几)(家)(现)(金)(贷)(平)(台)(是)(签)(了)(战)(略)(协)(议)(的)(,其)(中)(的)(一)(家)(正)(在)(准)(备)(港)(股)(IPO的)(材)(料)(”,《通)(知)(》出)(来)(后)(,一)(切)(都)(戛)(然)(而)(止)(。
最)(初)(,刘)(洋)(想)(了)(解)(“现)(金)(贷)(业)(务)(到)(底)(是)(个)(什)(么)(形)(态)(?借)(款)(人)(是)(一)(些)(什)(么)(样)(的)(人)(?”于)(是)(刘)(洋)(的)(公)(司)(开)(始)(跟)(几)(家)(现)(金)(贷)(平)(台)(进)(行)(资)(金)(合)(作)(,“500万)(元)(、1000万)(元)(、最)(高)(2000万)(元)(的)(每)(家)(平)(台)(的)(放)(款)(额)(,但)(是)(合)(作)(的)(平)(台)(不)(太)(多)(”。然)(而)(,在)(合)(作)(过)(程)(中)(刘)(洋)(发)(现)(,机)(构)(之)(间)(是)(互)(相)(猜)(疑)(的)(。
他)(所)(在)(P2P采)(取)(直)(投)(的)(方)(式)(,向)(合)(作)(方)(开)(出)(了)(几)(个)(条)(件)(:“资)(金)(成)(本)(年)(化)(20%;要)(对)(逾)(期)(进)(行)(T+1的)(回)(购)((即)(产)(生)(逾)(期)(后)(,资)(金)(方)(第)(二)(天)(收)(到)(由)(现)(金)(贷)(提)(供)(的)(逾)(期)(回)(购)(款)(项)();要)(给)(我)(们)(报)(全)(量)(的)(、非)(脱)(敏)(的)(借)(款)(人)(数)(据)(,以)(便)(我)(们)(做)(数)(据)(分)(析)(。”
刘)(洋)(开)(出)(相)(对)(苛)(刻)(的)(条)(件)(,前)(期)(并)(没)(挡)(住)(现)(金)(贷)(平)(台)(的)(热)(情)(,“有)(些)(公)(司)(愿)(意)(干)(,因)(为)(他)(们)(用)(高)(利)(率)(覆)(盖)(了)(高)(风)(险)(,而)(且)(平)(台)(需)(要)(冲)(量)(,但)(后)(期)(随)(着)(他)(们)(的)(资)(源)(积)(累)(,就)(会)(觉)(得)(跟)(我)(们)(这)(种)(合)(作)(是)(‘没)(有)(意)(义)(’、不)(对)(等)(的)(,认)(为)(我)(们)(是)(为)(了)(拿)(他)(们)(的)(数)(据)(做)(分)(析)(,而)(且)(会)(怀)(疑)(我)(们)(要)(进)(入)(现)(金)(贷)(领)(域)(。”
刘)(洋)(坦)(言)(,当)(时)(的)(想)(法)(,“一)(确)(实)(是)(想)(要)(这)(些)(数)(据)(;二)(是)(如)(果)(有)(机)(会)(,我)(们)(也)(愿)(意)(尝)(试)(这)(个)(领)(域)(。”
但)(是)(,就)(在)(刘)(洋)(加)(派)(人)(手)(分)(析)(这)(些)(现)(金)(贷)(公)(司)(输)(送)(过)(来)(的)(数)(据)(过)(程)(中)(,监)(管)(就)(开)(始)(逐)(渐)(释)(放)(一)(些)(“态)(度)(”,于)(是)(刘)(洋)(和)(同)(事)(们)(开)(始)(收)(量)(,《通)(知)(》正)(式)(出)(来)(之)(前)(,刘)(洋)(与)(现)(金)(贷)(的)(资)(金)(合)(作)(全)(部)(叫)(停)(。
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