Recently, the online lending platform has entered a critical period of filing and review. At this critical period, the China Internet Finance Association issued an article on December 28, 2018, "Notice on the Information Disclosure of Online Lending Institutions in the National Internet Finance Registration and Disclosure Service Platform in October." By analyzing the details of the notice, China Net Finance reporters found that many leading platforms have problems of untimely and incomplete information disclosure to varying degrees.
There are 5 items to be disclosed in this notice (institution information, platform operation information, 2017 financial report information, law firm legal opinion letter and accounting firm special audit report) and 1 item that can be disclosed (platform operation information). In addition, there is one item that is the number of times of disclosure of major matters.
According to this statistics, a total of 26 online lending platforms have the most comprehensive information disclosure (6 data are disclosed): building block boxes , Yijun 58 Caifu, Xinju Finance, Mindai Tianxia, Youli.com , Renrendai , e Xing Finance, Haijincang, Shanyidai, Yinhu.com , Souyidai, Aitou Finance , Weijinke, Bohui Jiuzhou ( Bojindai ), Hurongbao , Xianzhi Chuangke (91 Wangcai), Daokoudai, Today's Jiecai, Jingjinsuo, Yixin Huimin, Chengman Wealth, Dianrong Finance (Dianrong), Ai Investment, Factory Weijin, Tongban Street, Yilongdai . 10 online loan platforms have disclosed 5 items that should be disclosed: Huiquandai, Tuandai.com, Jiufu Puhui, Wanhui Investment (PPmoney online loan), Kaixindai , Credit Bao , Ai Qianjin, 51 Renrendai Microsoft, Yirendai .
According to the rating data of Online Loan Home on December 29, the top 30 online loan platforms are: Lufax, Renrendai, Yirendai, Paipaidai, Weidai.com, Xiaoying.com, Jimu Box, Yilongdai, Madai Wealth, 51 Renpin, Phoenix Finance , Toutai.com , Tuandai.com, PPmoney.com, Internet Information HP, Aiqianjin, Youli.com, Piggy Bank , Dianrong, Hecredai, Mindai, Youyidai, Youjinfu, Kaixindai, Jintou, Xiangshang.com, 91 Wangcai, Shanyidai, and Cuckoo Farm. Among the top 30 online lending institutions with ratings above
, 9 of them disclosed all 6 data as required: Jimu Box, Yilongdai, Mindai Tianxia, Youli.com, Renrendai, Souyidai, Xianzhi Chuangke (91 Wangcai), Dianrong Finance (Dianrong), and Shanyidai. There are 7 companies that have disclosed 5 items that should be disclosed: Tuandai.com, Kaixindai, Aiqianjin, 51 Renpin, Xiangshang Financial Services, Yirendai, and Wanhui Investment (PPmoney Online Loan).
reporter interviewed online lending institutions that belonged to members of the China Internet Finance Association and had incomplete information disclosure among the top 30 ratings. Cuckoo Farm did not respond. Paipaidai said: "This issue is not convenient to respond to for the time being."
NetSign HP responded: "The operating information of the InternetSign Inclusive Platform has always been disclosed on time through the letter approval channel in accordance with the requirements of the Financial Bureau and the Association, that is, it will be fully disclosed before the 5th of each month. The specific reasons for the disclosure of the information are not displayed in time this time still need to be understood."
Lufax public relations staff accepted an interview, saying that the company uploaded the 2017 financial audit report. After verification, the reporter found that there was no special audit report for accounting firms in the institutional details of Lufax, the official website of the China Internet Finance Association, and there was a "Shanghai Lufax Internet Financial Information Service Co., Ltd. Special Audit Report" stamped and issued by "Daxin Accounting Firm (Special General Partnership)" on the official website of Lufax. The reporter asked the public relations staff why Lufax did not synchronize information with the China Internet Finance Association in time, and no response was received before publication.
Weidai.com official response said: "The platform disclosed the above two reports (law firm legal opinion and accounting firm special audit report) on its official website and the China Internet Finance Association registration and disclosure service platform in early November 2018. It is expected that the latest information of November will be updated in the information disclosure of the China Internet Finance Association. "The operation information in August and October was not uploaded in time, and no explanation was given in the response.
年大利大利官网 responded to reporters: "The company has uploaded the legal opinion of the law firm on September 30. It may be that the web page problem could not be displayed on the page of the China Internet Finance Association. It is currently communicating with the association."
号号号号号 said: "The content of some reports that the company has not disclosed is "key link audit report". Due to the delay in filing, the accounting firm suspends issuing this relevant report content. The "key link audit report" will be disclosed in a timely manner according to the progress of the filing. This situation has been reported to the Shenzhen Financial Office."
号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号� After the review and confirmation, it will be disclosed to the public soon. "
Madai Wealth responded: "The data disclosure was delayed before September because Madai Wealth's system did not meet the requirements of the previous five working days, so it was delayed. After that, our company has upgraded the system, and the disclosure of operating data in September and after basically meets the requirements. In addition, relevant staff of our company are currently communicating with law firms and accounting firms. It is expected that the law firm's legal opinion and special audit report of the accounting firm will be disclosed to the public soon."
Author: Yang Chang
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