As we all know, since the financial network loan was cleared, the data shows that there are more than 800 billion assets that have not been paid back, and only in the first half of 2021, the official data released has returned more than 300 billion yuan, that is, there are still more than 500 billion yuan that have not been paid back, and the supervision platform has been supervising the repayment of the principal of the lender since 2021, and the landing rate has been improving, but the online loan executives are still lucky.
When they get regulatory requirements to complete the cash rate, they are only cashing out people with less loans, and the larger amount of loan funds is either harvested or not cashed, just from the perspective of the cash rate, online loan executives have completed the preliminary predetermined supervision, but on the whole, the cashing of funds is not active.
In the face of such a situation, financial expert Wang Qiang has made suggestions many times, and the author still remembers to strictly investigate the families of online loan executives and to sentence them to death, pointing out that the most is the transfer of funds, in fact, what expert Wang Qiang said is also the truth.
And expert Wang Qiang believes that the lender landing rate of 95% is reasonable, the regulator responds, the wind direction is changing, what is the matter?
First of all, the suggestion put forward by expert Wang Qiang is still relatively good, because the previous cash rate does not represent the landing rate, online loan executives find some ways to let the lender go ashore, as long as the lender does not accept the debt transfer, then under the supervision of the online loan platform capital supervision, it is necessary to complete the lender's landing rate, but where there are many lenders who agree to the debt transfer, then other lenders in the later period must also follow the debt transfer.
Secondly, the landing rate represents that everyone has accepted the corresponding scheme of online loans, and more than 95% is basically a normal lending, and this 5% is an abnormal lender, before there are lenders lending annualized yield of more than 35%, for this situation, it is fortunate to be able to get back the principal, because this is a real figure of the high interest rate given by the platform, so 95% also represents that it is OK.
Finally, the regulator said that the wind direction is changing, they said that before relying on the borrower's repayment to let the lender go ashore, and now it is necessary to find out where the funds flowed, according to a number of insiders, the senior executive's family occupies a large part, for example, someone revealed that Beijing Zhonghongyang exists in the sucking deposit, and there is their vice president and a number of executives, so the final direction of funds is still their family's capital transactions.
It is worth mentioning that the recent supervision is helping lenders to recover money, lenders should seize this opportunity, if there is no timely filing of regulatory filings, do not measure the opportunity to cash in, the longer the time, the chance of payment will become smaller.