Introduction: After the announcement of the payment plan of C letter, it was staggering, as if a veil of "rotten" had been lifted. This plan directly stepped on the previous efforts of the top management, causing investors' expectations to plummet. However, in the face of this infuriating plan, we still have to calmly analyze it, look at the twists and turns and changes, and the reference significance for the future development of Zhongrong.
The redemption plan of C letter can be summarized into three main parts. The first is the tiered redemption, which gradually decreases the redemption ratio according to the amount of the purchased product, with an upper limit of 40%. It is worth noting that the tiered redemption is not directly calculated according to the purchase amount, but is calculated in stages, so that the loss amount is related to the number of products purchased. Secondly, the introduction of the concept of limited "net principal", that is, 50% of the investment income of more than 2 million yuan is subtracted for payment, which mainly affects high-value investors. Finally, early signing compensation, that is, completing the contract within 15 calendar days after the announcement is issued can get an additional 35% redemption.
Expansion: Although the upper and lower limits of the tiered redemption are set relatively low, it brings significant loss differences to investors with different purchase amounts. For example, if an investor with a purchase amount of 3 million and 30 million is calculated at an interest rate of 10% over a two-year period, the final redemption ratio is 93% and 52% respectively. It can be seen that the larger the purchase amount, the greater the loss for investors.
So why did C letter come up with such an unsatisfactory payment plan?One of the reasons for this is that the management is facing many problems and dilemmas in dealing with this crisis. The fragility of China's financial system is an important factor, and in order to pull the financial market, it is necessary to take more responsibility under internal and external pressures and provide stable expectations to market investors. However, the introduction of this redemption plan directly negates previous efforts, shifting more responsibility to investors, but just to cope with errands. In this scenario, the expected stabilization is towards downward stabilization.
Extension: In recent years, we have been emphasizing the fragility of China's financial system, and this time, the C-letter payment plan seems to further highlight this issue. As a financial powerhouse, we have seen the scene of leek roots being shaved down. The introduction of the plan reminds people of an old saying: "Dunlun Rumu, his mother." "Although there are many problems with the C-letter scheme, we still need to explore the hidden mysteries in depth.
The payment plan of C Credit not only displeased investors, but also had a certain impact on the future development of Zhongrong. Is this scheme a reference?Or where will Zhongrong go?
Expansion: For Zhongrong, the formulation of this redemption plan is undoubtedly a difficult choice. Although the plan itself has caused a lot of doubts and controversies, we should be aware that under the impact of the financial crisis, the management has to face many challenges and dilemmas. As investors and followers of Zhongrong, we also need to think about how to protect our interests in this special period and explore the direction of Zhongrong on the road ahead.
This paper systematically interprets the C-credit redemption scheme, and analyzes them one by one from the aspects of tiered redemption, limited "net principal" and early signing compensation. However, the introduction of this plan has caused widespread controversy and dissatisfaction, bringing huge losses to investors. It also discusses why this unpopular proposal has emerged, mainly due to the fragility of China's financial system and the difficulties faced by management. Finally, we have learned the significance of the C credit redemption scheme for the future development of Zhongrong, hoping to provide readers with more in-depth thinking and understanding.
To be continued.