China Gold Association reported on July 20, 20 17 Recently, there have been frequent regulatory policies for the online lending industry. However, I happened to find that Yuanbao 365, an online lending platform in Beijing, is still releasing the current bid, and the deadline is only one day.

The operation report of Yuanbao 365 shows that the accumulated turnover of the platform is 5.6 billion yuan, with 360,000 registered users. Yuanbao 365 is the president unit of Jiangxi Internet Finance Association, which belongs to Beijing Dagang Information Technology Co., Ltd. and is responsible for the operation. According to industrial and commercial data, Yuanbao 365 was established on September 9, 20 14 with a registered capital of 50 million yuan. Its legal representative is Zhou Jian, and its shareholders are Zhengdao (Beijing) Capital Management Co., Ltd., Jiangxi Lily Industrial Development Co., Ltd. and Beijing Tianruijin Real Estate Investment Co., Ltd.

Time limit for splitting suspicious financing projects

The new project number of Yuanbao 365 is "Accounts Receivable Pledged Loan of a subsidiary of a listed company 1 707 1 91200", with loan amount1ten thousand yuan, loan interest rate 12.8% and loan term1day.

The business license disclosed by the platform shows that the borrower is Shenzhou Great Wall International Engineering Co., Ltd. "Shenzhou Project" and the sole shareholder of the company is listed company Shenzhou Great Wall (0000 18). It is noted that the borrowers of Yuanbao 365 Novice Project for several consecutive days are all Shenzhou projects, that is, the project is suspected of splitting the financing project term, which is prohibited by the Interim Measures of 8.24 Online Lending.

Yuanbao 365 is mainly engaged in personal revolving loans and supply chain loans. Inadvertently found that Yuanbao 365 was suspected of financing the chairman's affiliated enterprises in addition to splitting the term of the loan project.

Suspected of financing the chairman's affiliated enterprises.

Yuanbao 365 supply chain loan, serial number "1707 170927", project amount is 200,000 yuan, loan interest rate is 8.6%, and loan term is 1 month.

According to the business license disclosed by the platform, the borrower is Jiangxi Yixinxing Automobile Sales Co., Ltd.; Service Co., Ltd. (Jiangxi Yixinxing). According to industrial and commercial data, Jiangxi CreditEase Bank has two shareholders, namely Jiangxi Dagang Automobile Group Co., Ltd. and Yang Jian. It is worth noting that Zhou Jian, the legal representative and chairman of Dagang Automobile, is the chairman of Yuanbao 365 platform.

It should be pointed out that supervision does not prohibit affiliated enterprises from financing. It is noted that on April 26th this year, the equity of Jiangxi CreditEase Bank changed, and the equity of Dagang Automobile changed from 100% to 20%. The equity of Dagang Automobile is also very scattered, with a total of 16 shareholders, and the major shareholder Feng Youchang holds only 8.33%.

However, according to the inquiry, Zhou Jian, chairman of Yuanbao 365, holds the positions of legal representative, supervisor and shareholder in 16 company. According to the data of Sky Survey, Zhou Jian's partner Huang Hua owns 35 enterprises, including 5 in Li Yonghui, 2 in Wang Xiaoyang, 4 in Sean and 3 in Ma Zhiping.

Zhou Jian and Zhengbang Technology's Past

According to public information, Zhou Jian is the former chairman of Zhengbang Technology (002 157), a leading feed enterprise in China, and the actual controller is Lin Yinsun. 2013 August 10, the former chairman Li Yin disagreed with the actual controller of Zhengbang and was pushed out. Zhou Jian, then assistant to Lin Yinsun and chief financial officer of the Group, successfully took over as chairman.

There are many mistakes in the profit announced by Zhengbang Technology 20 13. Informed criticism was given by Shenzhen Stock Exchange to Zhou Jian, Chairman of Zhengbang Technology, Cheng Fangui, General Manager and others, and was included in the integrity files of listed companies. The reason for the oolong is related to the decline in the profits of Zhengbang Technology. In fact, until the first quarter of 20 14, Zhengbang Technology had a pre-loss of1300,000-1800,000 yuan, and the signs of stopping the loss were not obvious.

On March 20th, 20 15, Zhou Jian resigned as the chairman of Zhengbang Technology and founded Yuanbao 365, an online loan platform with his partners.

Related Q&A: What does Yuanbao 365' s dream plan do? Yuanbao 365 launched the "Dream Realization Plan", established a student aid fund to help poor students, and sent tickets to Beijing to study high-speed rail to students and their families to help the society as much as possible. The list of the first batch of sponsored Jiangxi students has been released, namely, Peking University with Yingzong _, Tsinghua University with Xu Ruixiang, Beihang University with Shu Junfeng and Gu, and Beijing Union University with Liu Junyong. Six students received a grant from Yuanbao 365 and a high-speed train ticket for Fortune respectively. The person in charge of Yuanbao 365 Jiangxi Branch said that the dream realization plan is not only to provide material support for Jiangxi students, but more importantly, to recognize their efforts, persistence and fighting spirit.

Related Q&A: 5,000 P2P online lending institutions have all closed down! Will you pay back the borrowed money? What platforms are there? On March 15, 2023, China Banking Regulatory Commission announced that peer-to-peer lending platforms that violate p2p regulations must be fully retired this year.

The list of more than 5,000 illegal peer-to-peer lending platforms is as follows: