Another major public opinion incident:The AMC organization that previously cooperated with Jiufu—— Ningxia Shunyi Assets officially announced the termination of its asset management business cooperation with Jiufu Puhui and other related parties on its official official account tonight.

The announcement reads:Recently, our company and Beijing Jiufu Puhui Information Technology Co., Ltd. related businesses have received attention, which has affected our company’s reputation and daily operations. After research and decision by our company, the asset management business cooperation with Beijing Jiufu Puhui Information Technology Co., Ltd. and other related parties shall be terminated from the date of this announcement.

The relationship between Shunyi Assets and Jiufu

What kind of cooperative relationship does Ningxia Shunyi Assets and Jiufu have?

Jiufu lenders should all know that there are three parties to this creditor’s rights:Jiufu, Ningxia Shunyi Assets, and Xi’an Guoheng.

Ningxia Shunyi is an AMC partner that Jiufu started brewing as early as August last year. The news at that time was that Jiufu signed a cooperation with the leather bag company Xi’an Guoheng, and then Xi’an Guoheng and Ningxia Shun Billion signed a cooperation.

When the lender was choosing the channel, it was clearly stated in the contract that Ningxia Shunyi Assets was a cooperative AMC institution (one of them), and the lender was to put The creditor’s rights are transferred to AMC, and then the AMC transfer rules are to first transfer to the entrusted service company (Xi’an Guoheng), and the entrusted service company will sort out the target creditor’s rights and then transfer completely simultaneously For AMC, AMC will sort out, transfer and dispose of the creditor’s rights structure, including but not limited to litigation, arbitration and other judicial recovery in the name of AMC or the entrusted service company.

Such an ongoing and chaotic partnership has also been criticized by the lender. In the end, after 340,000 people’s continuous efforts and complaints, Xi’an Guoheng was urged and rectified by Xi’an. At present, it has changed related businesses and has no asset management qualifications. Ningxia Shunyi has also been questioned by a large number of Jiufu lenders, especially when it comes to the transfer of creditor’s rights, many lenders are not only difficult to get off the car with a 30%discount, but even with a 50%discount, they cannot be transferred.

Actually, the core of this set of creditor’s rights management model is AMC. Xi’an Guoheng is only for sorting out AMC’s creditor’s rights or executing lawsuit recovery.

In other words, the real role of Ningxia Shunyi is to accept the claims and sue Lao Lai. The debt collection may be given to Jiufu first, and then Jiufu will divide the money.

The general logic should be like this. For this cooperation, the non-performing asset industry observation has also made relevant reports. (The full text will be attached at the end of the article)

From now on, Ningxia Shunyi suddenly chose to terminate cooperation with Jiufu. Perhaps when the two parties signed a cooperation agreement, they had reached a similar”emergency , Ningxia Shunyi can choose to terminate the cooperation agreement.”

What will be the impact after the cessation of cooperation?

Strictly speaking, AMC is actually only a well-meaning third party, earning service fees that should only be sued.

Logically, AMC has no way to control the successful collection. After all, Jiufu is in the middle, and the loan contract was drawn up by Jiufu. Therefore, the successful collection of the lawsuit against Lao Lai is not in the hands of AMC. .

The situation in the past may become that if Jiufu wants to sue those old people who do not repay the arrears, they need to find a cooperating AMC agency again.

Given that Jiufu has already apparently blocked the flow, stopping cooperation will definitely be detrimental to Jiufu.

At the same time, because of Jiufu’s closure, AMC has terminated the cooperation. Is it good for the lender or negative ?

It should be a mixed blessing.

First of all, without this part of the method of urging money back, the platform will have greater redemption pressure, which is definitely bad for Jiufu, and Jiufu has to make other plans and find another way out. If it develops to be registered, then the lender’s wish is also fulfilled.

But turning around to see if Jiufu will lower the redemption ratio and harvest discount, this possibility cannot be completely ruled out at present, and it is still a potential thunder for the lender.

The matter itself is so complicated.

Stopping cooperation is not an absolute good or an absolute negative.

What should be the right direction for the lender of Jiufu?

Good and evil are not mutually opposed and distinct, but entangled.

How to solve Jiufu’s current problems requires reason and wisdom.

I think there are three directions. The lender can work hard to advance gradually –

The first step is to solve the moral hazard problem of Jiufu.

How to solve it? I think the case can be filed, and it is best to release the person in charge on a guarantor pending trial; in the worst case, arresting people is acceptable to me.

This kind of pressure is top-down and can solve the problem of moral hazard.

If you catch the boss, be sure to ask to keep the collection team.

Of course, at the same time, it is recommended that more lenders do not sell their debts cheaply. The discounts currently given are not worth considering for most of the friends.

How to promote LIAN? It is recommended to continue to seek the help of the special class and do the ideological work of the special class (I can only say that in a civilized manner).

The second step is to appeal for greater punishment for dishonesty.

When the moral hazard is resolved and the lender stops selling the debts cheaply, Jiufu will seriously solve the problem of payment. It is possible for the boss to sell the assets or to recover the hidden assets from the boss by JZ.

At this time, the lender will be able to shift the focus of safeguarding rights to the old laymen:how to increase punishment for dishonesty.

At the administrative level, there have been successful cases of freezing bank cards, freezing Alipay, and freezing WeChat payment; at the legal level, legal action is also effective.

The third step is to appeal for a stronger punishment policy for dishonesty.

Nine-rich lenders have not yet reached this level and may not be able to understand the current debt evasion of the entire P2P industry Serious situation.

This is indeed a big problem.

Relying solely on the current collection methods, whether it is self-collection, sanctions for dishonesty, or legal reminders, there is no way to effectively recover these P2P evasion debts.

Strong disciplinary policies for dishonesty must be implemented to solve the problem of debt evasion left over by the P2P industry.