Among them, the highest discount rate of creditor's rights is 60%, which has been entrusted to Shenzhen Goldman Sachs Quantum Asset Management Co., Ltd., a third-party consulting company; 26-month installment, 24% from June 1 to June 12, 60% from June 13 to 24, and the last two months 16%.
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10 10 15, the 6th "Today's Yinghui Vl: Lanzhou Open Day" was held in Lanzhou. At the meeting, Jinjin Loan entrusted a professional third-party consulting company-Shenzhen Goldman Sachs Quantum Asset Management Co., Ltd. (hereinafter referred to as "Goldman Sachs Quantum Company") to set up a disposal team with * * * to discuss the redemption plan with the Jinjin Lender Committee, and expounded the lender's related issues on the spot. The whole meeting was broadcast live by video.
Today's gold loan platform has gone through more than three years since it was put into operation on May 6, 20 15. During the period, the platform has always been committed to providing professional and effective information matching services for the majority of small and micro enterprises and individual users with investment and financing needs to obtain benefits for users. With the support and trust of the majority of users, the platform has developed in the same boat, and the platform expresses sincere gratitude to the users who have always supported the gold loan.
Since the country launched the online loan information platform for filing and rectification, Jinjin Loan has actively responded to national policies to carry out self-inspection and filing. However, with the tightening of the national rectification policy, the delay of filing, the continuous deterioration of the industry environment, and the rapid decline of borrowers' willingness to repay, many factors have caused a huge impact on the industry and platform, forming the scale risk of the industry. Many platforms have the risk of overdue and redemption, and the confidence of lenders has been severely hit, and the fear has increased dramatically. The platform tried its best to break through the predicament, but it had little effect. After reporting to Gansu Provincial Financial Office, Economic Investigation and other regulatory agencies, the gold loan platform introduced a third-party asset management company to jointly study, formulate and sign this redemption plan with the lender Committee to fully protect the interests of the majority of lenders and users.
I. Principles of Disposal
1, adhere to the principles of marketization and rule of law. The platform will follow the guidance of marketization and use market means to choose a reasonable disposal path. The whole process of disposal will strictly abide by laws and regulations and relevant regulatory provisions, adhere to openness, fairness and transparency, and put an end to illegal and criminal acts.
2. Adhere to the principle of protecting the legitimate rights and interests of lenders to the maximum extent. The platform will reasonably dispose of assets, properly dispose of the lender's funds and confirm the creditor's rights for the lender. Maintain good communication with lenders during the disposal process, establish a lender's appeal response mechanism, and protect the legitimate rights and interests of lenders to the maximum extent on the basis of voluntary lending, honesty and trustworthiness, self-responsibility, self-risk and compliance with laws and regulations.
3. Principles of assistance and cooperation. In the process of disposal, the platform will strengthen communication with financial supervision departments, report the situation in time, and consciously accept guidance and supervision or self-discipline management.
4. The principles of fairness, openness and transparency. The platform promises not to delay the time and transfer assets in disguise through announcement, which will damage the legitimate rights and interests of lenders, and report the disposal situation to lenders, other participants and financial regulatory authorities in a timely, regular and continuous manner through appropriate means.
5, resolutely put an end to crime, the principle of maintaining stability. The platform promises to adhere to legal compliance in the disposal process, put an end to criminal acts, and not incite any group to create unstable factors.
Second, the disposal plan
Lenders can choose the following alternatives in combination according to their actual situation, lending amount and disposal willingness.
(A) the debt to the house
The platform can provide the lender (with special extension) with the qualification of real estate online signing at any time within 3 months from the date of signing the official disposal document with the lender. The main real estate object is located in Building 17# (36 1 set/39,237.48 m2) 18# (287 sets/23,306.48 m2) in East Market, Gansu Province. Sign the "house purchase creditor's rights" document before the online signing to ensure authenticity and effectiveness. The loan amount of the commodity house is 100%. The creditor's rights of the lender will be extinguished after the online signing is implemented.
In order to give consideration to the efficiency and fairness of the debt-to-equity swap scheme, the platform agrees in writing to the debt-to-equity swap scheme:
The top 50 lenders will pay a discount of 9.3% of the real estate market price;
The top 5 1 to 150 lenders will pay at a discount of 15% of the real estate market price;
Lenders in the top 15 1 to 350 will pay a 9.7% discount according to the real estate market price, and other lenders will pay according to the real estate market price.
The time of written consent is sorted by time, and the time of written consent on the same day is sorted by actual written consent, and it is pointed out in writing that the borrower signed a written agreement with the platform.
Wuwei East Market has a total investment of 660 million yuan, covering an area of 248 mu, with a total construction area of 6.5438+0.5 million square meters, including 6.5438+0.5 million square meters of core business area, 50,000 square meters of functional facilities and 30,000 square meters of green area.
The whole market is divided into two areas: AB. Among them, Area A has built the original ecological Jiangnan Plant Expo Park-Zhengdahang Plant Expo Park in the East Market, which integrates tourism, culture, catering, leisure and entertainment. The park is fully enclosed and has constant temperature all the year round. Thousands of plants in the south of the Yangtze River are purchased and carefully cultivated by special personnel. The whole park can accommodate about 600 merchants and will become a unique tourist attraction in Hexi area. (See Appendix 3 at the end of this material for a brief introduction of the project. With the development trend of the eastern part of Wuwei City where the market is located becoming more and more prosperous, the supporting traffic distance of Wuwei high-speed railway station is only 1 km, which is very helpful for the future appreciation of the project. It is estimated that the highest rental income can reach about 65,438+05% per year. At present, the unit price of shops on the market is the most affordable price in Wuwei. It is estimated that there is still about 30% appreciation space after three years, which has great potential. The project plan supports third-party inquiry and inspection. Today, the gold loan platform and the asset management company have specially set up the staff responsible for the disposal of Wuwei market, giving detailed answers to the lenders who consulted the national "debt-to-equity swap" scheme, and at the same time supporting and assisting the lenders to conduct offline inspections. All lenders who choose the "debt-to-equity swap" scheme will join the "Jinwei Loan Wuwei Market Owners Committee", and the project developer will provide all members of the "Committee" with services including agency management and agency sales. The specific content will be published on the "Golden Loan Subscription Number" WeChat public platform after finishing, so please pay attention. )
(2) Discount transfer of creditor's rights
In order to safeguard the legitimate rights and interests of the majority of lenders, our company has entrusted a third party, Goldman Sachs Quantum Company, to transfer the creditor's rights. The daily transfer amount is limited to 2 million yuan to 20 million yuan. The highest discount rate of creditor's rights transfer is 60%, and today's gold lending platform cannot unilaterally adjust the discount rate of creditor's rights transfer. Headquartered in Shenzhen, Goldman Sachs Quantum Company is a professional third-party service company, focusing on asset restructuring, debt disposal, crisis public relations and stable management, covering many provinces and cities across the country.
(3) Others
1, installment payment
Our company plans to start the principal registration of the lender from June 8, 2065 to June 5, 2065. If the lender is registered before June 15 (excluding that day), the payment will start from June 15, and if the lender is registered after June 15 (including that day).
A. Pay 2% of the loan principal balance every month from 1 to 12 months after the payment is started, accounting for 24%.
B. Pay 5% of the loan principal balance every month from the13-24th month after the payment starts, accounting for 60%.
C. Pay 8% monthly for the remaining two months, accounting for 16%.
The above redemption amount is only the loan principal balance; The principal payment of each lender shall be made independently.
2. Small customers
There are 663 customers whose loan amount is less than 1 0,000 yuan, and the principal loan platform will pay 1 0,000% in one lump sum within 30 working days after the payment scheme is started.
3. Paying debts in kind
(1) Assets such as automobiles, beverages and department stores obtained through collection can be discounted or reduced by the market price to settle the loan.
(2) The third party Goldman Sachs Quantum Company provides authentic jewelry, gold, household appliances and other items that do not exceed the market price, and pays the borrower in advance according to 100% of the loan amount to settle the loan.
Three. Bond swap program
1, contents of bond replacement: Gansu Wuwei East Market 17# (36 1 set/39,237.48 m2) 18# building (287 sets/23,306.48 m2); Rice, flour, oil, drinks, bedding, household appliances, electric cars, cars and other replacement items.
2. Replacement conditions: Lender users of today's gold loan platform.
3. Replacement location: to be determined
4. Replacement ratio: housing replacement part: creditor's rights+cash+bank loan mode;
5. Replacement process:
(1) After this replacement activity is implemented, customers can contact their business managers or make an appointment at home. The company will have relevant personnel to review and sort out the information;
(2) According to the appointment time, the customer will bring valid certificates such as business contract and personal ID card to the designated place for replacement;
(3) The company completes the replacement according to the matching of customer demand and creditor's rights;
(4) The client holds the documents for house selection, house inspection and agreement signing. Write down the detailed address of the replacement item and wait for delivery;
(5) After the transaction is completed, the customer leaves.
Fourth, commitment
1. The promised disposal materials are true.
2. Commitment to strictly implement the disposal work, fully protect the legitimate rights and interests of the lender, and faithfully perform the responsibilities to the lender;
3. Promise to report all kinds of problems and new risks encountered in the implementation of the disposal plan in a timely manner;
4. Promise to report the operating status and risk status of the institution truthfully and completely, and do not conceal or make false reports;
5. Promise that during the implementation of the disposal plan, the institution shall not cancel, start new business, change its business address or close its website;
6. Promise that during the implementation of the disposal plan, the actual controller, shareholders and senior management personnel will not lose contact.