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5 1 credit card license plate
5 1 The credit card housekeeper is a loser.

Yes, the P2P business of 5 1 credit card stopped completely, with a loss of nearly 850 million a year.

20 19, 5 1 credit card was investigated by the police because its loan products were suspected of violent collection after lending. It is understood that due to the above factors, the default risk of P2P business of 5 1 credit card company rose sharply in the fourth quarter of 20 19, and 5 1 personality has stopped the new matching of P2P funds, that is to say, 5 1.

Due to the reduction of credit matching business, the net loss of 5 1 credit card last year was about 847 million, nearly 850 million! In addition, 5 1 credit card is also actively exploring, striving to apply for an Internet small loan license, and further completing the transformation and full retirement of P2P business! The P2P platform under the 5 1 credit card did have a large number of violent collection and illegal loans before, and complaints about the platform were often seen on the complaint platform. Violent collection is actually a common phenomenon in the internet finance industry, and there is still a long way to go to eliminate violent collection!

1. When the debt is overdue, the first link we will face is the creditor's collection. Collection is generally divided into two types: one is normal collection; The other is violent collection. For normal collection, most of us can afford it, because the normal collection personnel are the creditors' own customer service. Their language is very kind, that is, telling you to repay as soon as possible. After repeated collection by the creditor's own customer service, the creditor will ask a professional third-party collection company to urge us to repay. At this time, violent collection is most likely to occur.

2. Violent collection generally refers to collection by intimidation, harassment, threats, abuse, inducements and other violent means.

3, violent collection methods: the first: frequent phone harassment, calling you all day, urging you to repay, calling you back in the early morning, so that you can't have a good rest. The second type: bursting the address book, by constantly calling family, friends and colleagues at work, putting pressure on you to repay. The third type: constantly threatening to send text messages saying that you have committed a crime, and the public security investigation will arrest you immediately. Fourth: Give your information to the village office where your household registration is located, and you will find the village head and village director of your village to take photos at your home to collect evidence and investigate the family's economic situation.

4. Fifth: insult you directly and make personal attacks. Sixth, the relevant personnel investigate whether the assets under their names meet the suspected malicious overdraft. Once it is confirmed to be true, it will not be given out-of-court mediation and will be convicted according to the final judgment. Seventh, they will call you to induce you to take criminal responsibility. If you are not careful, you will be caught. Eighth: go to your residence to collect money and force you to sign an unequal contract. Ninth: make fake lawyer letters and fake subpoenas and mail them to you or your family. Tenth: pretend to be a staff member of a state organ, so that you can go to the police station to record a confession. The above are the ten most common forms of violent collection, of course, far more than these. The purpose of violent collection is to put all kinds of pressure on you, make your heart collapse, and then pay back.

5 1 Is the credit credible?

Good and reliable.

5 1 Personal loans are mainly current projects, and the historically expected annualized income is 8. 1%, which is relatively good. In terms of capital security, as a third-party fund custody platform, Sina Payment has set up a risk reserve account, and the overall security can be described as leverage.

5 1 personal loan is a loan service product launched by 5 1 credit card, which mainly provides pure online and unsecured loan services. Many people have applied for loans on 5 1 personal loans.

The review speed of 5 1 individual loan is very fast, and basically 1 will produce the review results within 3 days. Users can apply for loans after completing registration, real-name authentication, improving personal information and enhancing personal value.

The review of 5 1 loan is also easy to pass. Basically, as long as you reach the age of application, fill in your personal information accurately and completely, complete the real-name authentication, and your personal value is not low, it is not a problem to pass the examination of 5 1 personal loan.

Of course, when you apply, you need to pay attention to whether the loan you applied for on the 5 1 personal loan has been paid off and whether you applied for more than three loans in the month of application. If the loan has not been paid off, or if you apply for more than three loans in the current month, the 5 1 personal loan system is likely to reject your loan application during the review.

After the credit card of 5 1 soared, the market value halved the next day: the CEO will face two major challenges in changing coaches.

The Financial Tiger reported on February 24th that, following a surge of more than 237% yesterday, today, the share price of the 5 1 credit card of the Hong Kong Stock Exchange plummeted by 54%, and its market value dropped from HK$ 4 billion closed yesterday to HK$1900 million, which was once again "halved". Behind the skyrocketing and plunging, a major personnel change recently announced by 5 1 credit card, which was once questioned for violent collection, P2P difficulty in clearing positions and weak growth, became the main motivation for its share price roller coaster. Previously, the share price of 5 1 credit card was below 1 HK$ for a long time. 19 On the evening of February, Sun Haitao, founder and CEO of 5 1 Credit Card Announcement, officially resigned as the chief executive officer and retained the positions of chairman and executive director of the board of directors; Zheng is an executive director and chief executive officer, and Yu Jin was appointed as a non-executive director.

Zheng took over as CEO for three years: the banking department has a deep background.

Sun Haitao (data map)

5 1 the board of directors of the credit card believes that the above arrangement will enable the company to introduce more professionals and conduct fine division of labor and management, so as to lay a more solid foundation for long-term business development. At the same time, by distinguishing the roles of the chairman and the chief executive officer, the Company not only meets the requirements of the Corporate Governance Code contained in Appendix 14 to the Listing Rules, but also effectively improves the corporate governance level of the Company. Sun Haitao has confirmed to the board that he has no differences with the board. The board of directors thanked him for his contribution to the company during his tenure as CEO and welcomed Zheng He and Yu Jin to his new post.

According to reports, 48-year-old Zheng has been engaged in banking information technology and internet finance business for a long time and has a long experience as a bank president. He has a deep understanding and rich practical experience in the integration of information technologies such as finance and Internet. At the same time, he is the vice president of Cai Zhong Netcom Holdings Co., Ltd., a subsidiary of 5 1 credit card (GEM stock code: 807 1).

According to his resume, Zheng Zi/KLOC-0 held several positions in China Agricultural Bank Co., Ltd. from August 1994 to August 202 1 year1October. 1since August, 1994, he has served as deputy section chief, section chief and deputy general manager of software department of science and technology information department of Zhejiang Branch of Agricultural Bank of China, deputy general manager of science and technology information department and electronic banking department, and deputy general manager and general manager of electronic banking department and information technology management department. 20 1 1 Since March, he has served as secretary and president of the Party branch of Hangzhou Bao _ Sub-branch of Agricultural Bank of China; From June 20 15 to June 20021year, he served as deputy general manager, general manager and general manager of electronic banking department of Zhejiang Branch of Agricultural Bank of China.

Zheng (data map)

Zheng obtained a bachelor's degree in applied electronic technology from Zhejiang University of Technology in China on July 2006 1994, and completed the postgraduate course in economics from Zhejiang University in China in July 2006. He also holds the qualification of senior economist.

It is understood that Zheng signed a three-year service agreement with 5 1 credit card, and either party can terminate the service by giving a written notice not less than one month in advance. According to the service agreement, as the executive director and chief executive officer, he enjoys an annual director's fee of RMB 65,438+065,438+million.

From April 20, 2000 to September 8, 2000, 60-year-old Yu Jin held several positions, including deputy general manager of personnel department of Agricultural Bank of China, general manager of electronic banking department, director of science and technology and product management bureau, chairman of Agricultural Bank of China Huili Fund Management Co., Ltd., and director of Beijing Runbo Internet Digital Technology Co., Ltd. from 2065438 to March 2009. In July 1983, he obtained a bachelor's degree in engineering from Renmin University of China, and in July 1999, he obtained a master's degree in finance from Nanjing Agricultural University in China. He also holds the qualification of senior economist.

At present, the board of directors of 5 1 Credit Card has 8 members, including Zheng He CFO, the chairman and new CEO, as executive directors, Zou Yunli and Yu Jin as non-executive directors, and Xiang Ye and Xu Xuchu as independent non-executive directors.

After the skyrocketing, the market value was cut: it was collected for profiteering.

According to Financial Tiger, the share price of 5 1 credit card rose by nearly 198% on the Hong Kong Stock Exchange this year due to the skyrocketing yesterday. In 20 18, 20 19 and 2020, the share price of 5 1 credit card decreased by 28.88%, 66.2% and 67.8 1% respectively. Looking back, on July 3rd, 20 18,15 1 credit card was listed on the main board of Hong Kong. On the first day of listing, it rose by 3.65% compared with the issue price of HK$ 8.5, and its market value reached HK$ 65.438+0.0458 billion. At that time, Sun Haitao lamented in his speech: "The stock code we got was 205 1. I hope I can work hard for this company until 205 1, when I was 7 1 year old. " .

Times have changed, from the market value of10 billion to less than 20% at the beginning of listing. After more than two years, founder Sun Haitao finally resigned as CEO. It is also worth mentioning that at the end of July last year, Yang, co-founder of 5 1 Credit Card, also resigned as executive director and all other positions of the company. During this period, the sluggish growth of 5 1 credit card is also closely related to its vigorous rectification of P2P and consumer credit industries.

According to the data, 5 1 credit card was established in August, 20 12, which is the first and largest online credit card management platform in China. It belongs to Hangzhou Enniu Network Technology Co., Ltd., started from the credit card user forum and focused on the credit card bill management software "5 1 credit card housekeeper", which greatly met the needs of users, especially multi-card users, to manage their own debts. Since then, products such as "5 1 personality", "5 1 personality loan" and "send you flowers" have been launched one after another, covering personal credit management services, credit card technical services, online credit matching and investment services. Up to now, 5 1 credit card provides users with one-stop personal financial services covering personal credit management services, credit card technical services, online loan matching and investment services. There are many apps such as "5 1 credit card housekeeper", and more than 1 100 million users are activated.

However, 20 19, 10, 5 1 credit cards have been pushed to the forefront and questioned because they were investigated. According to the report of Hangzhou police at that time, on June 55438+00 2 1 of the same year, an investigation was carried out on the criminal act of 5 1 Credit Card Co., Ltd. entrusting an outsourcing collection company for allegedly causing troubles. After preliminary investigation, it was found that "5 1 Credit Card" entrusted an outsourcing collection company to pretend to be a state organ, and used soft and violent means such as intimidation and harassment to collect debts, which was suspected of causing troubles and other crimes.

At that time, Sun Haitao, the founder of 5 1 Credit Card, made a speech on the investigation of 5 1 Credit Card in Weibo, apologizing for the company's cooperation in the investigation, imperfect management and the concerns of employees and their families. He also said that due to imperfect management, especially insufficient training and supervision of cooperative companies, some excessive behaviors occurred in the process of contact and communication with borrowers, which caused harm to borrowers. I'm very sorry about that. We will strictly follow the operating rules of listed companies, further implement various risk control measures, put an end to all irregular third-party cooperation, and ensure benign communication and cooperation with various partners. At the same time, give priority to ensuring that all lenders pay on time as agreed in the contract.

Last August 3 1, in response to the incident of 102 1, 5 1 Credit Card pointed out in the semi-annual report that the management was not aware of any illegal acts related to debt collection intentionally or intentionally carried out or instructed by the group, so the management thought that the group was unlikely to be punished for this specific crime. However, on the date of announcement, it is uncertain whether the investigation related to the 102 1 incident has been completed; Whether the Group or any employee (including senior management) will be convicted and bear any legal consequences due to the investigation of the 102 1 incident; And whether the relevant departments will investigate further. 5 1 Credit card will continue to follow up 102 1 event related progress.

Claiming to complete P2P clearance: There are still lenders complaining about "interest-free" payment.

After experiencing a fierce storm of collection and investigation, influenced by the supervision and vigorous rectification of P2P, 5 1 credit card immediately ushered in the full withdrawal of its P2P business in 2020. On March 30, 2020, 5 1 credit card announcement revealed that on February 30, 20 19, 16, the balance of P2P online lending business was about132.4 billion yuan. At that time, 5 1 Credit Card also stressed that it was actively exploring the application for the Internet small loan license mentioned in the Guiding Opinions on the Transformation of Personal-to-Personal Lending Information Intermediaries into Companies, and fully completed the transformation and repayment of P2P business. 5 1 The new opportunities brought by the Internet-based small loan license of credit card and the cooperation with other financial institutions after the transformation are expected to provide support for the long-term sustainable development of credit matching business.

Last September, 5 1 Credit Card announced again that as of last August, 3 1 P2P business had been retired. 5 1 Credit Card pointed out that before June 30, 2020, the Group had settled all the remaining outstanding loans of individual investors by paying about 625 million yuan in cash to individual investors or transferring them to a third party.

However, in the process of 5 1 credit card unilaterally announcing the completion of P2P clearance, its "tough" forced clearance method for 5 1 credit card was once questioned and vomited by lenders. Financial Tiger once pointed out that in May 2020, on the complaint reporting platform of Zhejiang government services, several lenders complained: "5 1 personal loan was transformed into cash withdrawal, and the platform induced lenders to discount low-priced bond swap and then withdraw cash." In the previous reply, the Xihu District Bureau of Commerce clearly stated: "The relevant departments have not received the cancellation plan of" 5 1 credit card ",and the matters mentioned are independent business activities of enterprises. Please consult the platform for related questions. " .

On February 3 this year, in response to the transfer of creditor's rights, Wei, a 5 1 personality official, said in response to a complaint from a black cat user: "Generally, the acquisition of a third-party organization will depend on factors such as the discount of the original investment principal, the discount of total assets, and the expiration time of the order. , confirm whether to accept the transfer, and the specific transfer offer requires the user to operate voluntarily. "

In addition, it is worth mentioning that in February this year 19, a user complained about a black cat: "I invested 40,000 yuan in Anxin on February 201February, and unilaterally defaulted on my interest on April 24, 2020, and only recovered 40,000 yuan until it expired. . 5 1 The person said in his reply: "At present, it is a one-size-fits-all policy in the industry caused by uncontrollable factors such as national policies, and it conforms to the terms of early termination of service under unforeseen factors agreed in the contract. The company guarantees the liquidation of your investment funds through subsidies from its own funds. " .

The new coach takes office: facing two major challenges: business compliance and performance revitalization.

It is understood that since the second half of 20 19, the growth of various indicators of 5 1 credit card performance has fallen into a downturn. The interim report in 2020 shows that the revenue of 5 1 credit card reached 654.38+65 million yuan, down 88.2% compared with the same period of last year, and the adjusted net loss was about 752 million yuan, while the adjusted net profit of 20 19 was about 309 million yuan. The withdrawal of P2P business is also an important reason for the decline of 5 1 credit card performance.

As of June 30, 2020, the number of registered users of 5 1 credit card housekeeper application increased by about 3.0% to about 85.9 million due to about 83.4 million on June 30, 20 19, and the cumulative number of credit cards managed also increased by about 4.0% to about/kloc on June 30, 2009.

5 1 Credit Card previously stated that in order to concentrate resources to ensure the smooth completion of P2P clearance, various expenses including marketing expenses and general management expenses were greatly reduced. Coupled with the impact of the novel coronavirus epidemic, the growth rate of new users will slow down in the first half of 2020, and the business scale of credit matching service, credit card technical service and referral service will remain at a low level. At the same time, efforts should be made to maintain the activity of existing users, with a view to resuming business growth after the P2P clean-up is completed and the COVID-19 epidemic is stabilized. In addition, in addition to the impact of P2P eviction and COVID-19 epidemic, the supervision of Internet finance industry has become increasingly strict, and its credit matching service and introduction service have also been affected.

5 1 Credit Card also pointed out that although the Group has completed the P2P clearance, the COVID-19 epidemic and the uncertainty of the credit market will still affect the development of the Group. Therefore, the Group needs to adopt more effective policies to maintain the liquidity of existing business operations and cash flows to cope with economic uncertainties and market conditions. At the same time, the Group needs to further strengthen scientific and technological development to develop innovative business.

According to industry analysis, stepping down as CEO and replacing Zheng are closely related to their upcoming strategic transformation. Business compliance and performance revitalization will be the two major challenges he will face after taking office.

In terms of performance revitalization, Zheng has a deep background of traditional bank executives, which will help 5 1 credit card to understand the business needs of banks more deeply and systematically, expand the resources in the banking industry, or inject new vitality into its performance revitalization, and has obvious advantages in transforming into financial technology export services.

However, under the current trend of strong supervision of consumer finance and credit industry, business compliance is the most important thing facing 5 1 credit card. On February 20th, China Banking Regulatory Commission issued the Notice on Further Regulating Internet Loan Business of Commercial Banks, requiring commercial banks to independently carry out Internet loan risk management, and it is strictly forbidden to outsource the risk management of key links before, during and after lending. For financial technology enterprises, this circular further strengthens the responsibility and obligation of issuing joint loans and increases the capital occupation of their credit business. With the increasingly clear regulatory boundary between financial technology and internet finance, licensing and compliance will undoubtedly be an important code for the further development of enterprises.

In addition, the black cat complaint data shows that since this year, there are still many complaints from users about 5 1 credit card and 5 1 personal loan, and problems such as high interest rate, violent collection, disguised charges and high service fees are still the main contents of complaints. At present, the investigation results of the 102 1 incident have not yet been released. For 5 1 credit card, how to further strengthen and enhance user service and avoid "violation" will still be a long-term test.

5 1 Is personal loan reliable? It can be verified from three aspects!

Many people are worried that they will be "pitted" by the online lending platform when handling online loans. Therefore, people often come to consult whether the online lending platform is reliable. Many people have asked: Is 5 1 personal loan reliable? Here, I would like to introduce the relevant situation to you.

As far as we know, 5 1 personal loan is relatively reliable, and this conclusion can be verified from three aspects. Next, I will give you a detailed analysis.

1, platform qualification

5 1 Credit Card is a wholly-owned subsidiary of 5 1 Credit Card, a listed company. 5 1 Credit card is the first member of China Internet Finance Association, and has a small loan license. 5 1 Personal loans are more formal than other unknown and unlicensed online loans. Therefore, from the perspective of platform qualification, 5 1 personal loan is more reliable.

2. Borrowing costs

From the perspective of borrowing cost, 5 1 personal loan is determined according to the borrower's comprehensive credit situation. The better the comprehensive credit, the lower the loan interest rate, and the lowest daily interest rate can be as low as the actual borrowing situation. Everyone's loan interest rate is within the high interest rate red line of 36%. In other words, the interest rate of 5 1 personal loan is in compliance with relevant regulations.

3. Public opinion; popular will

Whether a platform is reliable or not can be understood from public opinion. The evaluation of 5 1 credit by media and users is positive. In other words, there is less negative news about 5 1 personal loan.

Through the above contents, I led you to understand the situation of 5 1 personal loan. From the perspective of platform qualification, borrowing cost and public opinion, 5 1 personal loan is more reliable.

5 1 How about a personal loan? Is it reliable?

5 1 personal loan is more reliable. 5 1 personal loan borrowers are mostly card users with relatively high quality. Compared with other pure P2P companies, the company's business is more diversified and has certain anti-risk ability. This conclusion can be verified from three aspects.

1, platform qualification

5 1 Credit Card is a wholly-owned subsidiary of 5 1 Credit Card, a listed company. 5 1 Credit card is the first member of China Internet Finance Association, and has a small loan license. 5 1 Personal loans are more formal than other unknown and unlicensed online loans. Therefore, from the perspective of platform qualification, 5 1 personal loan is more reliable.

2. Borrowing costs

From the perspective of borrowing cost, 5 1 personal loan is determined according to the borrower's comprehensive credit situation. The better the comprehensive credit, the lower the loan interest rate, and the lowest daily interest rate can be as low as 0.0 15%. Judging from the actual lending situation, everyone's loan interest rate is within the high interest rate red line of 36%. In other words, the interest rate of 5 1 personal loan is in compliance with relevant regulations.

3. Public opinion; popular will

Whether a hole is reliable or not can also be understood from public opinion. At present, the evaluation of 5 1 credit by media and users is positive. In other words, there is less negative news about 5 1 personal loan.

5 1 The introduction of credit card license plate ends here.