According to media reports, on June 3, 65438, Murray Financial issued an internal mail announcing the termination of the contract with some employees; The company has more than 5000 employees. After this layoff, it is estimated that there are only about 150 people left.
6543810.8, an employee of Mericar Finance who left at the end of last year told us that the company's layoffs were true. On the same day, we also contacted the Beijing headquarters of Murray Financial, but no one answered.
Meiliche Finance, whose main business is loan assistance, is one of the leading enterprises in domestic second-hand car financial services. According to the data, there are more than 4,000 offline sales staff, more than 300 large and medium-sized cities, and about 75,000 offline dealers with cooperative relations.
In June 5438+last year 10, Murray Car also submitted a prospectus to the US Securities and Exchange Commission, intending to land on the NYSE, but the situation quickly turned sharply. In June last year, 5438+065438+ 10, Murray Financial Shenzhen Headquarters and Murray Financial Wuchang Branch were investigated by the police, and the road of Murray IPO, which is expected to become "the first share of used car finance in China", was ruined.
In fact, the second-hand car trading market has always been a zone with frequent consumer disputes, such as lax supervision of fees, concealment of high interest rates, and opaque contract terms. ? In the process of buying used cars with loans, loan service providers such as Murray Financial connect consumers with loan banks, but often in this process, opaque transactions become a common problem in the industry.
Meiliche Finance, which is mainly engaged in second-hand car loan business, has also been frequently complained by consumers because of the above problems.
"There are problems with the design of financial products, and loopholes are prone to occur if supervision is not in place. This is the root cause of problems such as routine loans in the used car market. " 6543810.8, Ren Wanfu, a senior auto industry analyst, told us.
On the same day, Zhu Yongping, director of Guangdong Datong Law Firm, also told us that consumers usually only pay attention to the cover and signature page of the contract before signing it. In fact, the contents of the contract are quite different from what the salesman said, and disputes often arise. ?
Exposed to mass layoffs
In fact, apart from its own business disputes, the large-scale layoffs and current business difficulties of Murray Car Finance also have a lot to do with its affiliated companies being investigated by the police at the useful stage.
According to Tianyan survey, useful installment and Murray Car Finance belong to Murray Finance. Established in 20 15, Useful Stages is a wholly-owned subsidiary of Murray Financial and operated by Shenzhen Tiandao Ji Ran Financial Services Co., Ltd., which is owned by Liu Yannan, founder of Murray Financial. Merika Finance is a subsidiary of Beijing Tiandao Ji Ran Information Technology Co., Ltd., which was established on 20 14. The actual controller Liu Yannan holds 55% of the company's shares.
2019165438+10/2, Murray Financial Shenzhen Headquarters and Murray Financial Wuchang Branch were investigated by the police. Subsequently,165438+On June 20th, Meiliche Finance issued a statement saying that it was initially determined that the police's investigation on the "useful stages" of affiliated companies had an impact on Meiliche's financial business.
According to the internal mail of Meiliche Finance exposed on June 38+1October 3, Meiliche Finance said that the founder of the company was assisting the police in the investigation because of his personal useful installment business, and some media confused Meiliche Finance and Meiliche Finance, and made hype reports on this matter, which seriously affected the company's operation.
At the same time, Murray Financial sent a "layoff" email. According to insiders of Murray Financial, the company has more than 5,000 employees. After this layoff, it is estimated that there are only about 150 people left.
10.8, 65438, an employee of Murray Car Finance who left at the end of last year, told us that the company's layoffs are true, at least 1000 people. As for the specific figures, he didn't know.
In the internal mail, Murray Financial also said that in order to resume business as soon as possible, the company has set up an emergency team to operate and coordinate, and will make every effort to raise funds. At the same time, Murray's related data system has been unsealed and relevant employees have resumed normal work.
Regarding the follow-up matters of the laid-off employees, Murray Financial said that the salary will be paid within 1 1 month after completing the resignation procedures; The social insurance and housing accumulation fund corresponding to the paid wages shall be paid by the company on time in June 5438 +2020 10.
It is also reported that the New Hope Group, which led the investment in the round B financing of 20 18 and 18 of Murray Financial, reached 92 million US dollars, and is also preparing to withdraw its shares. In June 5438+February last year, New Hope Group told the outside world that the Murray car business in which the main body of the group participated was a financial investment, and at present, the business operation of the group has not been affected by the above investment.
The pain point of used car financial services is difficult to solve.
From June 5438+10 last year to the current operating difficulties, it took Murray Financial less than three months to climb and fall. Behind the financial incident of Murray Car is a microcosm of the chaos and crisis in the second-hand car financial service industry.
On June 4, 2020, a citizen surnamed Guo in Taiyuan reported to the TV station that in August last year, he handled a car loan of 6.5438+0.6 million yuan through Meiliche Finance. 165438+ 10 when I planned to repay the loan in advance, I found that the car loan was 38,000 yuan more, but the financial staff of Murray Car vaguely responded that it was the GPS fee and service fee.
Our investigation found that there are many similar experiences of the above-mentioned citizens. On many complaint websites, many citizens complained that the loan of Murray Financial was unreasonably overcharged.
6543810.9, a consumer in Shenzhen reported to us that he recently found through a credit inquiry that the partner of beautiful car, New Network Bank, issued an extra consumer loan with the amount of 18380 yuan, but he didn't know it. At present, Murray's staff has long lost contact and is currently negotiating with the bank.
In fact, there have been some problems in the used car market, such as the lack of transparency of transaction information and inadequate supervision, which is also the main reason why many consumers exceed the expected repayment amount.
In addition, due to the different pricing of used cars and new cars, there is usually a phenomenon that the physical value does not match the selling price, which is also one of the hardest hit areas for consumer complaints.
Cases similar to the above occur from time to time in daily used car transactions, including concealing high interest, unclear interpretation of contract terms, arbitrary charges, etc., and are also frequently reported in newspapers.
Lawyer Zhu Yongping also told us that consumers usually only pay attention to the cover and signature page of the contract before signing it. In fact, the contents of the contract are quite different from what the salesman said, and disputes often arise.
"The used car market has always lacked the integrity of buyers and sellers." ? Ren Wanfu told us that there are still problems in the design of financial products, and loopholes are prone to occur if supervision is not in place, which is also the root cause of problems such as routine loans in the used car market.
In recent years, with the help of capital, service providers in many industries have successively obtained financing. With the gradual increase of domestic car ownership, the used car market will become more and more prosperous. How to better protect the interests of consumers and promote the healthy and orderly development of the industry is a problem that all practitioners should consider.
In this regard, Ren Wanfu said that due to the particularity of used cars, there is no uniform standard for pricing, and it is necessary to abandon the fraudulent behavior in the vehicle pricing process and operate in good faith; In the process of lending, we should abandon the tricks in financial products and win the recognition of consumers with services. In addition, strengthening the design and supervision of financial products is also a necessary means.
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.