Former employees reveal P2P company details: financial chaos-P2P, Internet banking, e rent treasure-IT information

On April 13, Wang Qi (a pseudonym) official from for nearly 5 months of P2P companies to leave.

There is hesitation, uncertainty, but more strongly. "I belong to the naked one, family members also agreed that timely exit is not a bad thing. ”

Wang Qi said, once entry is due to "good for the P2P industry", is now determined to resign because "the company speaks for financial, not see the transition, as well as disappointing on the industry . ”

"The company financially wasteful, paying high prices for selected Office supplies, place, deal or no deal host annual investment unclear, it is hard not to take these and run P2P company splash out, related party transactions, the use of shell companies associated with acts like. Felt the industry was playing bad, filled with emotion of mistrust in the community. "Wang Qi said.

Tell the financial

As the company's administrative staff of the gang, Wang Chi have more access to financial operations, resulting in a " corporate spending " impression.

Wang Qi recalled to reporters four details. First company to purchase Office supplies. "The company's Office products not purchased directly from the furniture market in Beijing, but had entrusted some middlemen purchased from other areas indirectly. "Is this because by the latter to purchase Office supplies price lower? Wang Qi gave a negative answer, "procurement of office supplies price not low, but still higher than the market price, and more importantly hold companies and intermediaries. ”

Companies office space is the second choice. "The company rented an entire floor of a downtown office space in Beijing, rent 20,000 yuan a day, 600,000 yuan a month rent, other branch offices are located in the local downtown area. For a company that was established is not a long time is not necessary, but wish to leave outsiders an impression of the atmosphere. ”

Third, annual meeting held in overseas. "Initially, employees of the company to reward outstanding performance, annual conference locations in the United States, but spent 110,000 yuan for part of the staff for United States visas, found that some employees do not have access to United States visa eligibility, annual meeting location to other countries immediately after 110,000 yuan spending as an excuse. ”

In addition to the above three details, movement of capital of the company Wang Qi so much doubts have arisen. " Yields on corporate commitments is about 12%, last November one-month revenue of 800 million Yuan, but the money went where no one can tell. "Wang Qi had come into contact with the company's several investment contracts, but he found" while company registration information, it is difficult to find specific information such as business, registered company with us thrive also overlaps. ”

When Wang Qi all e and rent Bao and other P2P companies a risk event occurs when linked together, he will have to rethink their company. "P2P company run more and more, they all claim to how large, the risk control was good, stable cash flow, but the end result is stunning, but Police disclosed that the plot of profligacy, related party transactions, and so on. What P2P companies is gold, which is evil, not to say outsiders, is our own people are hard to distinguish between true and false, and scary than thinking ahead. ”

In fact, e rent Bao and other P2P companies run on industry has had a certain impact on the mental, and even some people's reluctance to mention himself in the profession. On April 27, was held in Beijing "the prevention and disposal of illegally raised funds law policy advocacy seminar" on the information, audited, as of December 7, 2015, e total of recharge and rent the treasure platform investments of Member ID 901,294, cumulative recharge 58.175 billion yuan, invested 74.511 billion yuan. Client account, e rent Yu Bao platform to attract funds in addition to being used to maintain prudential companies operating and financial leasing projects, there is still a lot of money by their personal decisions are used for other investments, with about more than 1.5 billion yuan was used to grant his wife, lover, employees and private.

Not see the transformation

For your company's business model, Wang Qi summarized it as "online platforms, online stores. A large share of business from offline stores. ”

Worth mentioning is that the company has taken a "franchise" form, "individual who contracts for such stores, performance is often more prominent, the company returned about 6 points to these stores. ”

However, "corporate restructuring". "Risk events are frequent in the P2P industry and regulatory context of policy tightening, had had an impact on the business of the company, so in the new year after the abolition of some area stores, from which company was responsible. ”

Under the P2P companies run frequent events, increasingly louder call for strict regulation. In December 2015, China Banking Regulatory Commission jointly with the Ministry of industry and information technology, Ministry of public security, the national Internet network information Office and other departments issued the interim measures for the management of operational activities lending information intermediaries (draft for soliciting opinions); earlier, media reports said, the State Council organized a TV meeting 14 ministries, will start nationwide rectification of the financial sector on the Internet for a period of one year.

Wang Qi as administrative personnel, participate in some stores in the abolition of work. "Abolition is not smooth, some stores refuse to be abolished, simply license went into hiding. Some shop staff threatened investors mostly by the elderly, if abolition of stores, let these customers paid. While some stores had been abolished, but the stores also disputes the amount of the compensation, both sides in the lawsuit. ”

After the abolition, remaining stores will go from here? "Now only maintains P2P front-end, acceptance of clients ' investment, but money is not lent to individuals, but to fund companies, asset management companies, etc. "According to Wang Qi said," the company's money will also be used to purchase other companies ' accounts receivable. ”

And, "the company is prepared to let the remaining stores into affiliates, operating funds, futures, and other services. "The funding will open up the two, Wang Qi did not know.

"To tell you the truth, I really don't know how the company wants to transition in P2P way to make money, but didn't do the P2P thing, such restructuring operations compliance, legal questions. Some don't understand employees like me chose to leave. "Wang Qi, revealing a little helpless.

离职员工揭秘P2P公司细节：财务混乱不堪 - P2P,互联网金融,e租宝 - IT资讯

4月13日，王琪（化名）正式从工作了近5个月的P2P公司离职。

有犹豫，有迟疑，但更多的是坚决。“我属于裸辞一族，家人也比较同意，及时抽身不是坏事。”

用王琪的话说，曾经入职是由于“对P2P行业的看好”，如今坚定辞职则是因为“公司说不清的财务、看不清的转型，以及对行业的失望。”

“公司在财务上大手大脚，花大价钱选择办公用品、场所，一掷千金举办年会，资金投向不清不楚，我很难不将这些与跑路的P2P公司大肆挥霍、关联交易、利用壳公司等行为联系在一起。感觉这个行业有些被玩坏了，社会上弥漫着不信任的情绪。”王琪说道。

说不清的财务

作为公司行政岗职员，王琪有更多机会接触到财务运作，因此产生了“公司花钱大手大脚”的直观印象。

王琪对记者回忆起了四个细节。一是公司购置办公用品。“公司的办公用品不是从北京家具市场直接购置，而是委托中间人从其它地区间接购置。”这是否因通过后者购置的办公用品价格更低？王琪给出了否定答案，“这样购置的办公用品价格不仅不低，反而还要高于市场价格，更重要的是公司负责人和中间人有私交关系。”

二是公司办公场所选择。“公司总部租下了北京某繁华地段写字楼的一整层，一天租金2万元，一个月租金60万元，其它分公司的办公场所也都位于当地繁华地段。对于一家成立时间并不长的公司其实并不必要，但公司希望留给外人一种大气的印象。”

三是公司年会在海外召开。“最初，公司为奖励业绩突出的员工，将年会地点选在美国，但在支出11万元为部分员工办理美国签证后，发现其它一些员工并不具备获得美国签证的资格，便立即将年会地点改为其他国家，此前的11万元支出也不了了之。”

除上述三个细节外，公司的资金动向更令王琪疑窦丛生。“公司承诺的收益率在12%左右，去年11月单月进账8亿元，但钱究竟投向了哪里谁也说不清。”王琪曾经接触到公司的几份投资合同，但他发现“虽然合作公司有工商注册资料，但难以寻到具体业务等信息，注册地与我们公司负责人发迹地也多有重合。”

当王琪将以上种种与e租宝等发生风险事件的P2P公司联系在一起时，他不得不重新审视自己所在的公司。“跑路的P2P公司越来越多，它们当初都号称自己规模多大、风控多好、现金流多稳定，但最终结果却令人瞠目结舌，而且警方披露的涉案情节多涉及肆意挥霍、关联交易等行为。究竟哪些P2P公司是真金，哪些是妖魔，不要说外人，就是我们公司自己人都难辨真假，与其提心吊胆，不如早做打算。”

事实上，e租宝等P2P公司的跑路确实对行业从业者心理上造成了一定影响，甚至有些人不愿提及自己在这个行业工作。根据4月27日在京召开的“防范和处置非法集资法律政策宣传座谈会”上的信息，经审计，截至2015年12月7日，e租宝平台共有充值并投资的会员ID 901294个，累计充值581.75亿元，累计投资745.11亿元。据当事人交代，e租宝平台吸纳的资金除被用于维系钰诚系公司运转及开展融资租赁项目外，尚有大量资金经其个人决定被用于其他投资，另有约15亿余元被其用于赠与妻子、情人、员工及个人挥霍。

看不清的转型

对于自己所在公司的业务模式，王琪将其概括为“线上有平台，线下有门店。很大一部分业务来自线下门店。”

值得一提的是，这家公司还采取了“连锁加盟”形式，“这样的门店承包给个人，业绩往往比较突出，公司给这些门店大概返6个点。”

不过，“公司正在转型”。“在P2P行业风险事件频发、监管政策趋紧的背景下，公司原本的业务受到了一定影响，于是在农历春节后对一些地区的门店进行了裁撤，从这一点看公司还是负责任的。”

在P2P公司跑路事件频发之下，要求严格监管的呼声越发高涨。2015年12月，银监会会同工业和信息化部、公安部、国家互联网信息办公室等部门发布了《网络借贷信息中介机构业务活动管理暂行办法（征求意见稿）》；此前不久，有媒体报道称，国务院组织了14个部委召开电视会议，将在全国范围内启动有关互联网金融领域的专项整治，为期一年。

作为行政人员的王琪，亲身参与了一些门店的裁撤工作。“裁撤并不顺利，一些门店拒绝裁撤，干脆将营业执照藏了起来。还有一些门店工作人员威胁称，投资客户多是老年人，如果裁撤门店，就让这些客户一起兑付。虽然已经裁撤掉了一些门店，但这些门店对于补偿的金额也有异议，双方为此在打官司。”

裁撤之后，剩余的门店将何去何从？“现在公司只保留了P2P的前端，即接受客户投资，但钱不再借给个人，而是交给基金公司、资产管理公司等。”据王琪表示，“公司的钱还会用来购买其它公司的应收账款。”

而且，“公司准备让剩余的门店归入关联公司，经营基金、期货等业务。”而二者资金是否相通，王琪并不知情。

“说句实话，我真的不知道公司想怎样转型，感觉在通过P2P的方式赚钱，但又没有做P2P的事情，这种转型操作是否合规、合法都是疑问。一些看不懂的员工和我一样选择了离职。”王琪的话中透露出一丝无奈。