The bookkeeping and financial management platform of Kingdee Software, a well-known ERP enterprise, was thunderous, and the transformation was suspected of malicious embezzlement and withholding of 2.5 billion yuan of customers' hard-earned money

There are too many platforms to announce good retirement. The economic downturn, coupled with the superimposed impact of the epidemic, has affected many platform businesses. In desperation, he made the decision to withdraw from online loan.

For a while, there were many good return and transformation announcements, but the platform's good return announcement has now become the beginning of many lenders' worries. What bothers the lender is not the return of the loan, but the return of the loan 。

After the transformation of many platforms, lenders have exercised the right of uncertainty to protest:

After the platform announces a good return, lenders often refer to such words as "good return" and "confirmation of rights". These nouns are unfamiliar to many people, and many of them have been asked recently.

Next, Xianv will analyze two official documents of Shenzhen Mutual Financial Association for you, hoping to help you.

Issued by Shenzhen Mutual Finance Association on March 27, 2019《 Guidelines of Shenzhen Municipality on the Benign Exit of Online Lending Information Intermediaries 》(hereinafter referred to as the Exit Guidance)
Issued by Shenzhen Mutual Finance Association on January 13, 2020 Explanations on Relevant Issues of Shenzhen Guidelines for the Benign Exit of Online Lending Information Intermediaries (hereinafter referred to as the Supplementary Notes to the Exit Guidance)

1、 What is a "benign exit"?

During this period of time, we always see many platform announcements announcing benign exits. The question is, what is a benign exit? Shenzhen Mutual Financial Association supplemented the Guidance on Exit, explaining the "benign exit" as follows:

• When the exit work is completed and the exit procedure is ended, it is a benign exit.

The true meaning of "good return" is to pay 100% of the principal and income to be collected by the lender 。 From now on, the platform that can achieve a benign exit is really rare.

Many platforms have just started to pay, even if they give some "food money" every month, they are somehow collecting money. But the most frightening thing is that there will be no news after you exchange it. This is also the lender's biggest concern.

2、 Cashing required by the official

When it comes to the good return procedure, most of the disputes between the lender and the platform focus on the payment scheme 。 Many platforms cannot successfully reach the cashing stage because most lenders are dissatisfied with the scheme. Whether the cashing scheme is reasonable or not is really related to the real gold and silver of tens of thousands of lenders.

As for the principle of redemption, Shenzhen Mutual Fund Association mentioned the principle of "principal before income" in Articles 38 and 42 of the Exit Guidelines:

Considering the bad environment, the withdrawal of online loan institutions faces many difficulties. The Supplementary Notes to the Exit Guidance on January 13 this year pointed out that online lending institutions should be encouraged to give priority to the repayment of the borrower's principal amount, that is Accumulated recharge minus accumulated principal amount withdrawn ：

Take the recently controversial jottings on the right confirmation formula as an example. According to the Shenzhen P2P Good Refund Guidelines, the right confirmation principal should be the cumulative recharge amount, minus the cumulative withdrawal principal. and Note that the current confirmed amount is the full withdrawal difference, minus all historical gains, which is not in line with the provisions of the document ：

There is also a line of text below this supplementary description:

In the declaration stage of right confirmation, the amount of the lender's creditor's rights shall be determined based on the amount of the lender's principal to be collected 。

Shenzhen Mutual Financial Association did not say that the historical income of users should be deducted as the principal?

3、 On confirmation of rights

Many platforms have taken the step of confirming their rights after announcing their retirement. The confirmation of rights refers to the lender's confirmation of its rights and interests on the platform, including principal and income 。

There are obvious differences between small lenders and large lenders on whether to confirm their rights. Small lenders are willing to confirm their rights, thinking that they can at least get some money back. Even if the income deduction and principal are less, how much can be returned. It is better than the platform to win money. The high-value lender believes that the confirmation of rights is actually a letter of consent. In the absence of a clear cashing scheme, the lender is required to sign an electronic contract first. Once the confirmation of rights is clicked, the subsequent interests will not be guaranteed.

As for the amount of right confirmation, Article 24 of Shenzhen's Exit Guidelines stipulates that the amount of claims to be declared based on the outstanding principal:

Less than this amount is Not conforming to the withdrawal guidelines 。

Supplementary instructions to the Exit Guidance, The declaration period of creditor's rights is 30 days from the platform announcement date ：

Many people worry that the uncertainty of power will affect their own interests. According to Article 25 of the Exit Guidance, the following is clearly stated: The lender has no right to confirm, and ultimately participates in the repayment distribution based on the data to be collected in the online loan institution system 。 That is to say, if you don't recognize the right confirmation, you can choose not to. There is no "no money without right confirmation":

Whether it is the principle of redemption or the confirmation of creditor's rights, the supervision requires the platform to announce the good withdrawal, so as not to damage the legitimate rights and interests of the lender.

Original address: https://mp.weixin.qq.com/s?__biz=MzUyMzE2MzI2MA==&mid=2247486888&idx=1&sn=431c67f0f2d65b2f9f1878dab4c111ee

On April 17, Suishou issued the [Online Loan Business Retirement Announcement], which made 80000 borrowers sleepless. Through the ages, those who call themselves "noble and decent" and "those who dare to call themselves chivalrous" help others and do not put themselves above others. Now, what he did with the postscript is more like "bullying the weak", which makes the lender sigh, grief and indignation! Look at the voice of our lenders to see if we can keep a cheerful mood.

Without the lender's knowledge and consent, the investment capital is divided into the principal and income of right confirmation. The income from right confirmation is all the historical income from the previous investment. The principal of right confirmation needs to deduct the income from the previous investment, which means that the investment income in these years is zero, and there is no specific redemption plan.

That is to say, remember to take the user's money and lend it to others for a fee, and charge beheaded interest online. Now we can't do it. The interest that has been settled before should be deducted from the lender's existing principal. Without specifying the specific plan, the user should confirm his rights, otherwise the process can't go forward. It feels like we are casually drawing everyone to invest and start a business together. The income has been put into our own pockets. Everyone has been deducted the principal, and whether the investment cost can be recovered is still unknown.

It is hoped that Notebook will consider the lender's demands and, based on the actual situation, announce the specific exit plan before confirming the rights, so as to give the lender a satisfactory answer and pave the way for the transformation of Notebook and the future of Kingdee!

We apply: to be returned, to confirm rights, no problem! But the premise is to publish the specific implementation plan:

1. Is the principal guaranteed?

2. How to refund the principal? One time return or installment return. How soon will it be cashed in!

3. Why is the principal deducted from the previously invested interest received?

4. When will the interest be paid, once or in installments?

At the same time, apply for an official communication channel, and lenders are waiting in line every time they call customer service.

Lenders' rights protection information (in random order)

1. Shanghai/Full time Baoma

Because what was publicized at that time was that China Guangfa Bank was supervising the investment, and it felt that there was a bank to check it, so it was reliable to invest. So, at the beginning, it was QQ download. At present, 15000 yuan has been invested in Suishou, which is expected to expire in July 2020. This money is intended to be used for children's education, because they are full-time wives at home and do not have a job. It takes a lot of money to raise children, and they are also in debt outside. A little extra money was put into it last year. Now, the children will go to school in the second half of the year. The tuition fees have gone, and the debts have not been paid. I hope that the principal and interest will be returned together with the notes, and the arrears will not be handled immediately, so that I can become a conscientious enterprise.

2. Shanghai/ordinary staff

In 2014, we began to download the note taking app and use the bookkeeping function. With more use, I found that there was a financial function. At the beginning, the trial investment was delivered on time many times, so I gradually became more confident after I gained trust. I made a casual investment of 140000 yuan, 70000 yuan due in July 2020, and 70000 yuan due in 2022. If I did the right confirmation, I would be deducted about 24000 interest. After my divorce, I sold my only asset private car for 100000 yuan and saved 40000 yuan for frugal work, which is all my savings at present. I hope I can repay the principal and interest by hand.

3. Nanjing/ordinary staff

In 2016, we started to download the bookkeeping app, and made many investments on time, so we chose it because of trust. At present, we have invested 42000 yuan and 11000 yuan of quarterly increased products in our notes. If we are required to confirm our rights, we will be deducted 3000 yuan of principal and 1590 yuan of interest. In addition, the higher the quarterly increase, the higher the subsequent interest, which means that we have deducted all the income with higher interest, which has not been included. Because I recently bought a house, I withdrew the money one after another after the expiration. My bank account has less than eleven thousand. This money is my capital guarantee money, and I have to pay the mortgage every month. I hope that I can repay the principal and interest according to the current calculation. It will be regarded as my withdrawal in advance.

4. Shenyang/ordinary financial staff

Due to professional influence, I have bookkeeping habits. When I met the jottings, I learned that the platform came from Kingdee and was managed by Guangfa Bank, and the investment information of all parties was also released, so I finally chose the jottings. From 15 years to the present, the actually invested principal is nearly 180000, and the confirmed principal is only 126000. All my belongings are inside, and the platform must repay the principal according to the actual loan principal of the lender! The platform's right confirmation calculation method is not acceptable. The income before 4.17 shall be paid by days according to the agreement, and no breach of contract is allowed!

5. Suzhou/ordinary in-service employees

With the endorsement of Kingdee and Guangfa, I think it has a good reputation and a higher yield than the bank. At present, the position is 95000 yuan, which expires in April 2020 at the earliest and February 2021 at the latest. The confirmed principal is nearly 7000 yuan less than the position. The investment capital is intended to be used to buy a house. It is hoped that the principal can be returned in full by hand. The settled historical income cannot be deducted from the user. The position income can be settled according to the bank's wealth management income and position time. At the minimum, the principal of the position should be returned by a small amount, returned to the user within a week, and no obstacles should be set up for withdrawal.

......

300. Shanghai/ordinary employees

Under Kingdee, Guangfa Guarantee is relatively formal. At present, the investment principal is 57000 yuan, and the final maturity is in December 2020. If the current confirmed principal is 46000 yuan, the deducted principal is 11000 yuan, and the interest is nearly 2000 yuan, this money is extremely important for low-income people, the income of nearly one year, and the current economic situation, so it is required to recalculate the confirmed principal!

......

535. Gansu/Retirement/Divorce

I found that I could manage money when I was bookkeeping. After seven to eight years, I thought it was still reliable, so I put all my money in it. At present, I am investing 200000 yuan in my notebook. Two sums of money will be due in November this year and January next year. After confirmation of rights, the principal will be only 110000 yuan, and the interest will be deducted 90000 yuan! This money is for the tuition of the children. The children will have three years of schooling in their sophomore year this year, and they will also be graduate students. I hope that the principal can be returned according to the promise in the notebook. The former interest can not be deducted, but the interest of the current position can not be deducted.

......

Original address: https://zhuanlan.zhihu.com/p/133525030
Original address: https://zhuanlan.zhihu.com/p/133871904