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网络互助与众筹“棋局未解”:水滴难成“江河”,轻松筹不“轻松”

2019-10-10
1050197
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WANGLUOHUZHUYUZHONGCHOUDE“QIJU”SHANGWEIXIAWAN。

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文 | 柒财经 初岚

HUZHU、ZHONGCHOU、BAOXIANSIHUYIMAIXIANGCHENG,YECHENGWEIHULIANWANGPINGTAIMENDEBIAOPEI。JINQI,JINGYINGWANGLUOHUZHU、BAOXIANSHANGCHENGDENGYEWUDESHUIDIGONGSI“ZAIGONGBAOXIANYICHENG”,ERQINGSONGJITUANDE“QINGSONGCHOU”XUANBUGENGMINGQIEXINZENGYIMINGYUANSHOUXIANGONGSIZONGCAI。 

RANER,JIUZAISHUIDIGONGSIYU“QINGSONGCHOU”LECIBUPIDINAXIAXINPAIZHAO,KUOCHONGDUIWUZHIJI,FENTANJINEBUGUIFAN、ZIJINJIANGUAN、SHANGBIAOQINQUAN、SHENHEJIZHIBUWANSHAN、WENANDAIXIECHENGHEICHANDENGYIXILIEWENTIJIEZHONGERLAI。 

ZHEIYEYIWEIZHESHUIDISHANGWEIHUICHENG“JIANGHE”,QINGSONGJITUANRENGWEI“QINGSONG”,WANGLUOHUZHUYUZHONGCHOUDE“QIJU”SHANGWEIXIAWAN。LINGYIFANGMIAN,MAYIJINFU、360JINRONG、DIDICHUXINGDENGYEZAIPAOMAQUANDI,FENERZHIZHI。

01 水滴再涉“保险”

JINRI,SHUIDIGONGSIYOULEXINDONGZUO,9YUE18RI,SHUIDIGONGSIXINZENGDUIWAITOUZIXINXI。QICHACHAXIANSHI,ZHONGQINGHECHENGBAOXIANGONGGUYOUXIANGONGSI(YIXIAJIANCHENG“ZHONGQINGHECHENG”)FUZERENBIANGENGWEISHUIDIGONGSICHUANGSHIRENJIANCEOSHENPENG,QIEYUANZHONGQINGHECHENGDE8MINGTOUZIRENTUICHU,XINZENGCHENYANCHAO、JIANGCHUANYIJISHUIDICHOUYUNYINGZHUTIBEIJINGZONGQINGXIANGQIANKEJIYOUXIANGONGSI(YIXIAJIANCHENG“BEIJINGZONGQINGXIANGQIANKEJI”)。

QIZHONG,BEIJINGZONGQINGXIANGQIANKEJICHIGU99.98%,RENJIAOCHUZIE199.96WANYUAN,SHUIDIGONGSICHUANGSHIRENSHENPENGCENGBIAOSHI,SHUIDIGONGSIYUANJINGSHIDAZAOZHONGGUOJIANKANGXIANCHANYEDEKEJIZHONGTAI,ZHENGNULIYUGENGDUOBAOXIANGONGSIYIQIBAOZHANGYIWANJIATING,BINGZAICIJICHUSHANGJIGENGDUOBAOXIANGONGSISHUCHUYEWUSHANGXIAYOUDEJICHUFUWUNENGLI。

GONGKAIXINXIXIANSHI,SHUIDIGONGSIZHUYAOJINGYINGSHUIDICHOU、SHUIDIHUZHU、SHUIDIBAOXIANSHANGCHENGDENGYEWU。MUQIAN,“SHUIDICHOU”YIWEIDABINGHUANZHECHOUDAO200DUOYIYUAN,GONGYOUCHAO2.5YIYUANAIXINRENSHICANYU,LEIJICHANSHENG6.5YIRENCIAIXINJUANZENGHUODONG;“SHUIDIHUZHU”YIYOUHUIYUAN8056.11WANREN,YIHUABOHUZHUKUAN8.81YIYUAN;“SHUIDIBAOXIANSHANGCHENG”JIEZHI2019NIAN6YUE,YONGHUSHULIANGCHAO1200WAN,HEZUOBAOXIANGONGSICHAO60JIA。

JUXI,“SHUIDIBAOXIANSHANGCHENG”ZESHI2019NIAN6YUEYOUSHUIDIBAOSHENGJIERLAI,SHUIDIBAOWEIBEIJINGZONGQINGXIANGQIANKEJIZIGONGSIBAODUODUOBAOXIANJINGJIYOUXIANGONGSI(YIXIAJIANCHENG“BAODUODUO”)DEHULIANWANGBAOXIANPINGTAI。

ZIBENFANGCENGMIAN,SHUIDIGONGSI2019NIAN3YUEHUODE5YIYUANBLUNRONGZI;6YUEZAICIHUODE10YIYUANCLUNRONGZI。ZHIDEGUANZHUDESHI,SHUIDIGONGSIRONGZILICHENGZHONG,TENGXUNGONGSICHIXUCANTOU。CHULESHUIDIGONGSI,TENGXUNHAICANTOULEQINGSONGCHOU。

02 轻松筹更名

YUSHUIDIGONGSIXINZENGDUIWAITOUZIXINXIJINGEYITIAN,9YUE19RI,BEIJINGQINGSONGCHOUWANGLUOKEJIYOUXIANGONGSICHUANGSHIRENYANGYINXUANBUQINGSONGCHOUGENGMINGQINGSONGJITUAN。YOUXIAOXICHENG,“QINGSONGCHOUHUOPOYUSHANGBIAOQINQUANYALIERGENGMINGWEIQINGSONGJITUAN”。

JUQICAIJINGQIXIAHULIANWANGJINRONGYOUMEIYOUZIDONGQIANGHONGBAODERUANJIANCIQIANBAODAO,“QINGSONGCHOU”JINGFAYUANYISHENERSHENBAISUHOU,FAYUANPANJUESHUXIANSHI,QINGSONGCHOUGONGSISHIYONG“QINGSONGCHOU”DEXINGWEIGOUCHENGBUZHENGDANGJINGZHENG,PANLINGQILIJITINGZHIQINFANSHANGBIAOZHUANYONGQUAN,PEICHANGSHANGHAIZHUIMENGWANGLUOKEJIYOUXIANGONGSIJINGJISUNSHIDENGGONGJI58WANYUAN。 

ZHIDEGUANZHUDESHI,GENGMINGTONGRI,YUANHONGKANGRENSHOUBAOXIANGUFENYOUXIANGONGSI(YIXIAJIANCHENG“HONGKANGRENSHOUBAOXIAN”)ZONGCAIZHANGKEJIARUQINGSONGJITUAN,RENQINGSONGJITUANCEO。JULEJIE,JINNIAN4YUE,YUANANXINCAICHANBAOXIANYOUXIANZERENGONGSI(YIXIAJIANCHENG“ANXINBAOXIAN”)ZONGCAIZHONGCHENGYEJIARUQINGSONGJITUAN,RENQINGSONGJITUANLIANXICEO。

GONGKAIXINXIXIANSHI,QINGSONGJITUANCHENGLIYU2014NIAN,ZHUCEZIBENWEI5000WANYUAN,ZHUYAOJINGYING“DABINGHUZHU”、“QINGSONGHUZHU”YIJI“QINGSONGeBAO”DENG。“QINGSONGCHOU”APPXIANSHI。MUQIAN,YIYOU255WANJIATINGLEIJICHOUKUANCHAO320YIYUAN。 

“QINGSONGeBAO”WEIQINGSONGJITUANQIXIADEHULIANWANGBAOXIANXIAOSHOUPINGTAI,ZHUYAOJINGYINGTIJIANGOUMAI、BIBEIBAOXIANYIJIZHUDAJIANKANGLEICHANPINDESHANGCHENG。QIZHONG,TIJIANGOUMAIBAOKUOBAOKUOZUIDI99YUANDE“QUANMINJICHUTIJIANTAOCAN”JIZUIGAO379YUANDEFUKETIJIANTAOCAN。

QICHACHAXIANSHI,QINGSONGJITUANLIANHECHUANGSHIREN、ZONGCAIYANGYINHAISHIGUANGDONGHONGGUANGANDESHIJIKONGZHIREN。GUANGDONGHONGGUANGANZIGONGSIWEIGUANGZHOUSHIXINCHENGBAOXIANDAILIYOUXIANGONGSI,GUANGDONGHONGGUANGANJIANSHIZHANGJIANYOUWEIZHENGXUNBAOXIANJINGJIGUFENYOUXIANGONGSIFANYUYINGYEBUFADINGDAIBIAOREN。

03 棋局未解

事实上,在网络互助与众筹的业务之中,分摊金额、资金存向何处、如何监控资金等仍有问题亟需解决。

FENTANJINEBUQUEDINGXING,YOUYONGHUCHENG,“CENGCANJIASHUIDICHOUDE‘ZHONGLAONIANKANGAIHUZHUJIHUA’,JIAOQIANHOUDAYUE8GEYUEQUERENQI,SHENGXIAOHOU,MEIYUEGAIPINGTAIBENRENJIAOFEIZHONGKOU1ZHI4QIBUDENGJINE,CANJIAPINGTAIZUZHIDEHUDONG,KAISHITOUJIGEYUEQIANBUDUO,WANGHOUQISHUYUELAIYUEDUOLE,XIANGYUSHUIDICHOUGOUTONG,MEIYUEQISHUYUQIANSHUYOUMEIYOUYINGXINGGUIDING,MEIYOUDEHUA,MEIYUEXIANGKOUDUOSHAO,KOUJIQIDOUYOUTAMENSUIYIDING,YUELAIYUEYOUBEIPIANDEGANJUE,WANGSHANGDUOCILIANXITAMEN,LAILEGEMIZONGYOUXI。”

GENJUSHUIDIHUZHUKEFUJIESHAO,“SHAOER、YIWAIMEIYUEFENTANYUGU2YUANZUOYOU,ZHONGQINGNIANYIJIDAAIHUZHUJIHUAMEIYUEFENTANYUGU10YUANZUOYOU,ZHONGLAONIANMEIYUEFENTANYUGU18YUANZUOYOU。”

ZHENDUI“YUGU”ERZI,KEFUHUIYING“MUQIANJIBENJIUANZHAOZHEIGEBIAOZHUN,DANSHIFENTANJINEBUSHIGUDINGDE,HUIZAIZHEIGESHUZHISHANGXIABODONG。”ERGUANYU“BODONGDUOSHAO”,KEFUHUIYING“GENJUMEIQISHIJIQINGKUANGERDING,JIBENMEIGEYUEDOUSHIZHEIXIEQIANZUOYOU,MEIYOUGUDING。”

而这样摇摆不定,上下浮动的分摊金额,由水滴筹单方面来决定扣款金额,难免会让用户感到疑惑。

BUJINKOUKUANJINEMEIYOUMINGQUEGUIDING,YIDANYONGHUYUCUNJINEBUZU,ZEQUANYISHIXIAO。SHUIDIHUZHUKEFUBIAOSHI“FENTANJINESHIXUYAOYUXIANCHONGZHIDE,RANHOUZAICHONGZHIZHANGHUZHONGDAOKOU,RUGUOJICHUJIHUAYUEDIYU1YUAN,BAIWANJIHUAYUEDIYU5YUAN,NEIMEJIANGHUIJINRUXIUMIANQI,QUANYISHIXIAO。”

QINGSONGHUZHUZAIJUNTANJINESHANGYEWEIYOUMINGQUEGUIDING,ERSHI“ZUIDIJUNTANDIZHIMEIREN5FENQIAN”,QIEBAOCHIZHANGHUYUECHONGZUCAINENGBAOCHIHUZHUQUANLI。

GUANYUZIJINCUNXIANGHECHU,RUHEJIANKONGZIJINYIJISHIYONG,SHUIDIHUZHUHUIYINGSHIYOUGONGSHIXINXILAIJUEDING。GENJUSHUIDIHUZHUKEFUJIESHAO,YONGHUSUOJIAOZIJINSHICUNZAIPINGANYINXING,SHITUOGUANZHANGHU,ZIJINYONGTUHUIDINGQIGONGSHI。ZIJINFANGMIANZHUYAOGONGSHIXINXIBAOKUOHUZHUJINSHANGQIJIEYU、XINZENGHUIYUANYUCUNHUZHUJIN、BENQIXINZENGYIHUABOHUZHUJIN、ZHANGHUJIEXI、BENQIJIEYU。

46017520158325187

QICAIJINGGENJUSHUIDIHUZHUPINGTAICHUSHIDEDANWEICUNKUANZHENGMINGSHUZHIDIANPINGANYINXINGBEIJINGDONGSANHUANZHIXING,PINGANFANGMIANBIAOSHI,“SHUIDIGONGSISUOKAIDEDANWEICUNKUANZHENGMINGSHUSHIZHENGCHANGZHANGHU,ZHENGCHANGJIESUAN,YOUZHEIMEDUOQIAN,KEYIZIYOUTIKUAN。”

事实上,自由提款也意味着水滴互助资金的控制权在于水滴公司,而这也依旧是监管空白。

GENJUZHONGGUOBAOXIANJIANDUGUANLIWEIYUANHUICENGFABUDE《FEIJUMINJINRONGZHANGHUSHESHUIXINXIJINZHIDIAOCHAGUANLIBANFA》ZHICHU,TUOGUANZHANGHUSHIZHIKAIZHANWEITARENCHIYOUJINRONGZICHANYEWUERXINGCHENGDEZHANGHU,BAOKUODAILIKEHUMAIMAIJINRONGZICHANDEYEWUYIJIJIESHOUKEHUWEITUO、WEIKEHUGUANLISHOUTUOZICHANDEYEWU。

YISHIDAILIKEHUMAIMAIJINRONGZICHANDEYEWUBAOKUOZHENGQUANJINGJIYEWU、QIHUOJINGJIYEWU、DAILIKEHUKAIZHANGUIJINSHU、GUOZHAIYEWUHUOZHEQITALEISIYEWU;ERSHIJIESHOUKEHUWEITUO、WEIKEHUGUANLISHOUTUOZICHANDEYEWUBAOKUOJINRONGJIGOUFAQI、SHELIHUOZHEGUANLIBUJUYOUDULIFARENZIGEDELICAICHANPIN、JIJIN、XINTUOJIHUA、ZHUANHU/JIHELEIZICHANGUANLIJIHUAHUOZHEQITAJINRONGTOUZICHANPIN。

ZHIDEGUANZHUDESHI,QICAIJINGFAXIAN,QINGSONGHUZHUJIEMIANJINXIANSHI“ZHUANYEJIGOUZIJINTUOGUAN”。DUICI,QINGSONGHUZHUKEFUBIAOSHI,“JUTINAGEDISANFANGJIGOUSHIMEIYOUBANFAGAOZHIDE,SHIBAOMIDE,RUYOUXUYAOSHENQINGHUZHUJIN,ZEPAIZHUANMENDEGONGZUORENYUANQUTIQUKUANXIANG,ERZAIHUZHUJINSHANGQIJIEYU、XINZENGHUIYUANYUCUNJINDENGZIJINXINXIFANGMIANTONGYANGWUFAGAOZHI,JINNENGKANDAOZHUCEYONGHUGERENYEMIANDEZHANGHUYUE。”

这口说无凭的“专业机构资金托管”究竟是何机构,是否专业,轻松互助方是否有对资金的支配使用权限,资金如何被监管,在使用互助资金时,又由何人来提取款项,轻松互助对于用户是保密的,而这也难免会让用户去质疑这原本好意的“一人有难,众人分摊”的互助金是否得到监管,是否明确清楚。

HAIYOUYONGHUZHIYI“SHUIDIHUZHUSHEXIANQIZHA,ZIJINZONGSHUYUANDAYUGENJUSHOUZHUQUNTITONGJIDEFEIYONG”,TABIAOSHI,“ZAIJIAOFEIZHIHOURANGQUERENSHENTIJIANKANGWENTI,KESHIYOUYUZHONGZHONGYUANYINHENDUORENDOUBUFUHE,YEBUTISHIZENMETUIQIAN,ZHISHIDANCHUSHUOBUMANZUTIAOJIAN24XIAOSHIZIDONGTUICHU,JIEGUOSHIWOMENRENTUICHU,QIANLIUXIA。”

6987083041652209

CIWAI,YOUYONGHUZHIYIQINGSONGHUZHUDESHENHEJIZHISHIFOUWANSHAN,TABIAOSHI“JINNIAN6YUEFENCHACHUSHENTIHUANYOUAIZHENG,7YUE18RISHENQINGDAOXIANZAIYIGUOQU2GEYUE,CHUSHENYIZHIMEIYOUJIEGUO,XIAOCHENGXUYIRANJINGJINGTANGZHE‘CAILIAOZHENGZAISHENHE,DIANJIFANHUI’,KEFUDIANHUAZONGSHI‘BANGNINCUICU’HUOQUBUDAORENHEJIEGUO。”

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04 审核机制亟需完善

有分析人士指出,网络互助与众筹不仅仅想吸引资金,还获取了客户相应的信息对接到了保险商城里,形成了二次商业模式,代销保险产品,而这则形成了获客与资金双丰收的局面。

GENJUSHUIDIBAOXIANSHANGCHENGKEFUJIESHAO,SHUIDIBAOXIANSHANGCHENGYUGEDABAOXIANGONGSIDOUYOUHEZUO,ZHUYAOHEZUOBAOXIANGONGSIYOU,RENBAO、ANXIN、TAIPING、ZHONGAN、ZHONGHUABAOXIAN、TAIKANG、BAINIANRENSHOU、YONGAN、GUANGDAYONGMING、YATAI、HAIBAO、DEHUAANGU、QIANHAI、FUXINGLIANHE、DADI、ZHONGMEILIANTAIDADOUHUIDENG。

LINGWAI,QINGSONGBAODEBIBEIBAOXIANZEYOU“MEITIAN0.42YUANDEQUANMINeBAO·BAIWANYILIAOXIAN”DENGYILIAOXIANJUDUO,CHENGBAODANWEIYOUHUATAIBAOXIAN、TAIKANGZAIXIAN、ZHONGANBAOXIAN、ANXINHULIANWANGBAOXIAN、ANLIANBAOXIANJITUANDENG,JUNYOUGUANGDONGHONGGUANGANBAOXIANJINGYOUXIANGONGSITIGONGXIAOSHOUFUWU。

YOUYONGHUZHIYI,QINGSONGCHOUYOUZAIYONGHUBUZHIQINGXIABEIBANGDINGBAOXIANEYIKOUFEI。TAZAIJUTOUSUZHONGTOUSUQINGSONGCHOU,LIYOUWEI“QINGSONGCHOUGONGZHONGHAOJUANQIANBEIBANGDINGMAIBAOXIANRANHOUZIDONGXUFEI,ZAIYONGHUBUZHIQINGXIAEYIKOUFEI,SHENQINGTUIBAOHUIKOUSUNSHIFEI。”

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JUQICAIJINGQIXIAQIWENWANGCIQIANBAODAO,“DEYUNSHEWUHECHENYUSHUIDICHOUZHONGCHOU”YISHIZAIWANGLUOSHANGYINQIFENGBO,BUSHAOWANGYOUZHIYIQICHOUKUANMUDEBUCHUN。YISHIZHIYI“BEIJINGYOUFANGYOUCHE,HAIXUYAOZHONGCHOU100WANLAIZHIBING”,ERSHIZHIYI“WUHECHENZHILIAOFEIYONGSHIFOUXUYAO100WANYUANCHOUZI”。

5YUE5RI,SHUIDICHOUZHENDUICISHIFABUSHUOMINGCHENG,YIYUHUANZHESUOZAIYIYUANDUIBINGQINGDENGQINGKUANGJINXINGHESHI,QUERENBINGQINGSHUSHI。5YUE3RIXIAWU,FAQIRENYUSHUIDICHOUGOUTONGTINGZHICHOUKUAN。JIEZHICHOUKUANJIESHU,GAIXIANGMUGONGCHOUDE14.8WANYUAN,5269RENCICANYUZENGYU,ZANWEISHENQINGTIXIAN。

YUCITONGSHI,YOUWANGYOUZHIYI“XIANZAISHUIDICHOUJUANKUANXIANGMUDOUYOUMOBANTIANXIELE?”,YOUWANGYOUBIAOSHI“JIANYIZHONGCHOUPINGTAIYINRUCHAZHONGXITONG”。 

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LINGJUCIQIANBAODAO,MUQIANYINZHONGCHOUPINGTAIHAICHUXIANLEHEICHANSHENGYI,BAOKUO“DAIXIECHOUKUANMIAOSHU”、“DAIKAIBINGLI”,YIJIAZILIAOTONGGUOPINGTAISHENHE,DIJIAYAOYUEQUNNEIYONGHUBANGMANGJINXINGSHIMINGYANZHENGBINGFENXIANGLIANJIE,ZUIZHONGCHOUJIJINETIXIANHOU,BUTIGONGSHANKUANLIUXIANGDEMINGXI。

JUXI,ZI2018NIANYILAI,TENGXUN、MAYIJINFU、DIDIDENGDUOJIAHULIANWANGJUTOULUXUYUWANGLUOHUZHULINGYUFUXIANSHENYING,DANRENGCHUYUDIDIAOJIEDUAN。BIRU,TENGXUNZI2016NIANYILAI,CHIXUTOUZI“SHUIDIHUZHU”;MAYIJINFUSHANGXIAN“XIANGHUBAO”;DIDISHANGXIAN“DIANDIXIANGHU”;SUNINGSHANGXIAN“NINGHUBAO”;360SHANGXIAN“360HUZHU”、MEITUANSHANGXIAN“MEITUANHUZHU”DENGDENG。

ZHENGSHIZAIWANGLUOHUZHUYUZHONGCHOUZHUJIANXINGQIDEJINTIAN,WULUNSHIQIZISHENSHENHEJIZHIHAISHIDUIQIZIJINDEJIANGUANYEYINGJIXUWANSHAN。JINRI,RENMINFAYUANBAOYEZHICHU,WANGLUOHUZHUZAIHUIYUANSHUJUZHENSHIXING、HUZHUZIJINANQUANXING、HUZHUJIHUAHELIXING、HUZHUSHIJIANZHENSHIXING、PINGTAISHUJUANQUANXINGYIJIHUZHUPINGTAITUICHUJIZHIDENGFANGMIANDOUXUYAOYOUWANSHANDEGUIFAN。

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