[report] (Netease News Network December 21st) the biggest "dark horse" of Internet financial industry, A2P platform "e rent treasure" crashing down.

Xinhua news agency in December 16th, said the current public security organs have been on the E network financial platform for the financial platform and its Associate Company suspected of criminal investigation. Prior to December 8th, e rental treasure and its Associate Company in the conduct of Internet banking business in the alleged illegal business activities and by the relevant departments to investigate.

Since July 21, 2014, e rent a treasure to checked before the road stride forward singing militant songs, the total turnover reached 74 billion 568 million yuan, the total investment of the number of people 909 thousand and 500. With the barbaric growth of E, the outside world of its false targets, the alleged self financing and other issues of the voice of the emerging.

Not just rent e treasure, the parent company Yucheng International Holdings Limited (hereinafter referred to as "Yucheng group") also controversial. Netease survey found that, since the e rent treasure on the line, Yucheng group investment business extends to the rapid expansion of territory, culture, international security, mobile phone, consulting and other sectors, which only with the well-known TV personality Yang Lan sun star group co founded the film investment fund, it plans to invest 5 billion yuan.

At the same time, Yucheng group in Burma wa layout FTA and banking. The city has a wa kuniyasu bank outlets, the FTA also under construction.

In order to develop the business in Burma, Yucheng group to recruit a large number of employees from china. But the staff told Netease, since October 26th this year, because the Yucheng group cannot help handle entry permit, employees can only sneak into Burma, is not part of stowaways stranded in Pu'er City in Yunnan province.

In Yucheng group Anhui Bengbu enterprise hardware started, how to gather huge amounts of money in a short time, business across a number of areas, and even extended to Burma? If it is outside speculation, the e will be leased to the financial part of the funds used in the industrial expansion of the group?

About 70000000000. Where's the money?

E rent treasure, known as the "Jin Yi Rong (Beijing) Network Technology Co., Ltd. (hereinafter referred to as" Jin Yi Rong "), a wholly-owned subsidiary of Yucheng department. With the transfer of creditor's rights financing lease based business e rent treasure, major projects from the Yucheng group under the Anhui Yucheng Financing Leasing Company Limited (hereinafter referred to as "Yucheng leasing"), the total sales of the 6 products, the annual yield of 9%-14.6%, much higher than the 9% rate of return financial leasing industry.

According to the family's net loan data, from July 21, 2014 to December 8th this year on the line, checked, e rent treasure a total volume of 74 billion 568 million yuan, the amount to be received 70 billion 400 million yuan, the total number of investments for 909 thousand and 500.

But has been, the industry has created a financial platform for the creation of the myth of the Internet banking platform to hold a skeptical attitude.

Unlike most Internet banking platforms, e is the main line of rental treasure line mode, which set up a large number of sales team in the country. According to media reports, on the line for 505 days, e rent Po line sales team line growth, in just a few months from 30 thousand people to 100 thousand people into the.

However, let people understand is that the E has been to rent treasure to attract money to the end of the financial management division, but the asset side of the business is very few recruitment. "In the e rental treasure on the ratio of the business, the capital side and the end of the asset side is too big," P2P industry insiders Zhu Yong questioned: "it's a loan program from where, the investors' money and where?"

Favorable network CEO Wu Yiran bluntly in an P2P industry summit in December 13th this year: "e rent treasure have about 100 thousand employees, all online under the sign of financial contracts call for investment, it should have a lot of business people everywhere to carry out business, but (in fact) does not exist, it is typical of the Pang a Ponzi scheme."

In fact, the line is not part of the sales force is not part of the e rental treasure itself system. "Shun Huixin line is e rent treasure sales platform, has more than 20 branches, is to sell the company. Each branch is different from the sales team, unified Yucheng group wages." Guangdong, a e rental business staff told netease. These 20 branches are sold on consignment e treasure's 6 products, operating independently of each other, the fierce competition, often set up such as the elite summit, hundred group war and other sales contest.

"Choose to sell the company a may be considered, if the next line sales platform is a problem, you can stay out." Zhu Yong to NetEase Finance and economics. In fact, as Zhu Yong analysis, in the event of the e rental treasure, the first to be investigated is the agency company.

In addition to the company through a consignment to hide themselves, e treasure of the funds whereabouts also make life suspect. In particular, a large number of loan companies on the E platform to borrow money, but let the outside world is difficult to eliminate its false targets, suspected of self financing, the suspect.

According to Chan Ying consulting statistics, in October this year, a total of 309 loan company in E rent treasure platform released a total of 649 standard loan. These loan companies, 292 companies had registered capital in the loan before, accounted for 94.5%. Prior to the change, the registered capital of these enterprises is an average of only 1 million 540 thousand yuan, after the change reached 27 million 140 thousand yuan.

Zhu Yong and other industry sources said, due to the large amount of financing, in order to avoid the risk of the problem, the loan companies tend to change the registered capital before financing.

E rent Yucheng Bao to boost the rapid expansion of the group

Despite the questionable, but e rent treasure promised investors the annual yield of 9%-14.6%, allowing the Internet banking platform in a thriving, so popular. With the e rapid rise in trading volume rent treasure, Yucheng group also began staking.

Data shows, Yucheng group before the incident has formed the "eight strategic division" architecture. The eight Department including gold Yi Rong, Yucheng Anobu E Yucheng, financing lease, Southeast Asia Investment Development Group Limited (responsible for the operation of Yucheng, Union Bank of southeast Southeast Asia FTA) Limited by Share Ltd (hereinafter referred to as the "southeast United Bank"), Yucheng yunshang International Holdings Group Limited (hereinafter referred to as "Yucheng cloud business") Orchid International Holdings Limited (hereinafter referred to as "the international orchid") and Anhui Yucheng holding group.

There are more than one hundred eight division subordinate subsidiary, responsible for e rent treasure and related business, joint bank, international security, free trade zone, Southeast Asia Television, mobile phone, consulting and other services.

Yucheng a large group of industrial layout, since the e rent treasure line rapid expansion.

In the pan financial, this year Yucheng group snapping up finance, Price Waterhouse, sesame essence at HP, Huatai company datong. In the capital market, in November this year, Yucheng group registered in Hongkong Yucheng Abc International Holdings Ltd also plans to buy Hong Kong stocks c-honesty (00676.HK) control.

In other industries, Yucheng group has a more complicated and mutually unrelated investment. In June this year, Orchid International's Beijing Yu letter Management Information Co. Ltd. was established in July, and enter the hunting field; Yucheng cloud providers launched the platinum Yu mobile phone instant messaging tools "and" Yucheng e letter "; in October, international mergers and acquisitions in security business of orchid Hunter International; November, Yucheng group and by Yang Lan Wu Zheng, at the helm of the sun seven group of its dominant development include" Titanic code ", the 25 film reached a cooperation, and each invested 5 billion yuan to set up Chinese global film investment fund alliance.

Not only that, after Yucheng group also recruited a large number of game developers, plans to enter the field of Mobile Games. According to the official website of the international orchid, more than the international security and headhunting business, Yucheng group also owns the Hanzhoung international auction company, and plans to get involved in "intelligent robot" and "UAV" and other high-tech manufacturing field.

But Netease survey found that responsible for the operation of the project company, mostly in E rent treasure on the line after the establishment, and part of the business promotion, as well as Yucheng group propaganda. Among them, platinum Yu mobile phone since the launch, has not yet been mass production. In the film and television project financing lease financing platform, Mousika film, but also not on the line. According to Yucheng group, an insider revealed that the group and the sun seven cooperation reached a preliminary intention, it should now be stranded. The person evaluation of this project is not reliable".

Dispute Burma business

In Yucheng group a multitude of names business, Union Bank of Yucheng in Southeast Asia and Southeast Asia FTA business the most mysterious, but also the most controversial.

In May this year, Yucheng group in Burma District second (Wa Bang) set up a joint bank in Southeast Asia, while the establishment of the investment administration has the right to Yucheng Southeast Asia Free Trade Area, and the establishment of the Wa Bang media. The media's media brand TV, Cable Tv Co wa wa.

"Yucheng has 6000 square kilometers of the free trade area over there, the external diameter is said" (twenty-first Century) with the maritime Silk Road ", but I guess that is because the relatively good operation wa. Wa to many privileges, what can be done." The Yucheng group insiders said. He also revealed that after the Yucheng group had planned to cooperate with Kampuchea, but the specific content is unknown.

A woman who worked in Burma Yucheng Group employees to Netease confirmed: "Yucheng wa in the influence is very big," the real estate business is their package".

Yucheng wa group by the local government attaches importance to, can be corroborated from a public report: June 2nd of this year, in Yucheng group in the wa held e rent treasure donation ceremony ", the United Wa State Army General Staff, the news agency and other relevant leaders attended the event.

From the orchid international business, perhaps more can glimpse the layout plan Yucheng group in Burma more. Orchid International said that the company will rely on Yucheng Southeast Asia FTA construction and development needs, based on the combination of military and civilian security around the industry, service industry, will also promote international trade business, involving the scope of gold, copper, tin, jade ore and other resources products trade.

"Wa belongs to North Burma's armed area, both political and economic chaos, and only the wa capital Panghsang (in some parts of the country so big county). Why would choose to carry out banking in this place, and even to develop the tourism industry?" Was a candidate for the media, the Yucheng group quite understand the wa in business to Netease questioned Li Qiang.

Li Qiang also revealed that the Yucheng group had to recruit a large number of financial personnel to WA, "every financial officers are required to do the two bank cards, each card online banking leadership requirements of the single payment limit of at least 1 million yuan, 5 million yuan more than the daily cumulative limit."

Perhaps because of this, the media reported that "Yucheng group funds concentrated in Burma".

Netease learned previously Yucheng group in Burma's main business, the United Bank of Southeast Asia is only a city located in the wa kuniyasu outlets, Yucheng Southeast Asia free trade area is still under construction.

In order to develop Yucheng Southeast Asia FTA business, Yucheng group to recruit a large number of employees from china. But the staff told Netease, since the beginning of October 26th this year, Yucheng group to recruit staff to apply for visas, employees can only sneak into Burma, is not part of stowaways stranded in Pu'er City in Yunnan province.

At present, Yucheng group has stopped the recruitment business in Burma, group vice president in charge of the Burma business taken away by authorities to assist in the investigation.

When adults

With the outbreak of e rent treasure, Yucheng group stalled.

According to media reports, Yucheng group is located in Anhui province Bengbu City Avenue East headquarters office building, LOGO building has been demolished clean, group public telephone and public telephone no answer. Division has also been closed down.

Shenzhen an unnamed e rent treasure staff told Netease, since December 9th, Yucheng group headquarters issued a statement, no news. At present, the company is still in a state of suspended business status, many employees are united with the investors' rights.

"Senior are waiting for the news, the more troublesome is the company staff, in accordance with the practice should be in December 15th wages, wages are not yet to account, we are waiting." Yucheng group, an insider told netease.

In restless waiting, the anxiety of the e rental investors continued to upgrade. According to Chan Ying consulting public opinion monitoring system to incomplete statistics, as of December 10th this year at 2:30 e, the number of rent treasure activist group has reached 114.

Anhui a prefecture level city, a e rent treasure staff told Netease, their employees, but also an investor. On December 10th, the negative news has been everywhere, leaders told him that all return to the work of the group, as far as possible to protect themselves. But in his opinion, it's useless.

"Not just their principal to get it back, but also face the customer's condemnation, which many of their friends and family." The employee said helplessly, want to be a salesman, you must have 30 thousand yuan more than the customer list; want Commission high, you have to pull more customers, some relatives and friends in the face has become their own customers."

For e rental investors worry, Beijing Jun law firm executive director Dong Xiusheng to NetEase Finance pointed out, according to the 2014 Supreme People's court, the Supreme People's Procuratorate and the Ministry of Public Security jointly issued on the handling of illegal fund-raising criminal cases applicable legal issues of opinion, the fifth provisions, similar to the Internet financial platform e, even if the crime of illegal fund-raising or illegal pyramid schemes, judicial authorities seized, seized, frozen assets will be returned to the Internet after the end of the proceedings. Therefore, the victim should actively collect evidence to safeguard their legitimate rights and interests.

Netease from a Chongqing e rent treasure employees understand that they are with the local police station police station at present, according to the given information to investors, according to the account of the principle of territoriality, to investors, remind them before 24 December will be investment details, identity card number and other information submitted to the local departments of economic investigation.

According to Xinhua news agency, the latest news, the police have been on the e to rent the incident related to the crime suspects to take coercive measures to seal, freeze and seize the assets involved in the case.

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