Report from our correspondent this afternoon, group of leader of special repair work, net borrows Internet banking venture group of leader of special repair work issues the risk jointly " the announcement that believes systematic construction about strengthening P2P net to borrow a domain to ask for " , support borrows an orgnaization to receive database of base of financial credit information to run an orgnaization in battalion P2P net (namely people bank asks for letter center) , the orgnaization signing a letter such as letters of 100 travel ask forring.
In the meantime, borrow to already exiting management P2P network useless debt behavior escapes related the orgnaization, the announcement asks to begin blow continuously, continue according to " good about be being done further net borrows an industry to break one's promise the announcement that chasten concerns the job " spirit, collect, choose relevant break one's promise information transmits database of base of financial credit information to run orgnaization, 100 travel ask forring the orgnaization signing a letter such as the letter.
Concerned expert expresses, p2P is brought into in the round sign a letter, bring more protection to lender rights and interests not only, the letter intention that also is helpful for the borrower since education is known. And this borrows domain credence to be on guard to the net risk, be on guard bull is leasehold have important sense, to adding up to compasses, carry out actively the platform of concept of finance of travel general benefit is told is one big profit undoubtedly good.
To this, pat pat borrow relevant controller to also express, accept Internet finance and firm of financial science and technology database of base of financial credit information to run orgnaization, 100 travel ask forring the orgnaization signing a letter such as the letter is borrowed to whole web is a good news undoubtedly for the industry. Actually, net of the share before this borrows an orgnaization to include to pat pat borrow, delightful borrow waited to accept 100 systems that sign a letter, but the net borrows an orgnaization to be able to sign up for only send a part to break his promise badly person information and did not bring into database of base of information of credit of Central Bank finance to run an orgnaization. This brings about a net to borrow an orgnaization between, the net shifts the existence is serious information asymmetry problem between orgnaization and bank, in all debt, ill will escapes the behavior common occurance such as useless debt.
This controller expresses, after receiving policy this to roll out in the round, from short-term go up in light of, on one hand, borrow an orgnaization to receive the Central Bank, 100 orgnaizations signing a letter such as travel as the net, the wind that the net borrows orgnaization and bank accuses, operation cost all can be reduced on certain level; On the other hand, to lender the effective protection of rights and interests also can make lender is right net borrows industry hope to increase, whole industry development will be more stable. The concerned regulation that collecting a respect to interest rate and information at the same time combines plan development to leading this industry the sense is great. From will for a long time look, the system that sign a letter is wholer enclothe foster to citizen credence consciousness, be on guard construction of system of credit of financial system risk, society is having important sense. In addition, in bringing into the service object of financial science and technology and Internet finance superintendency system, also reveal from another side put oneself in another's position bring into all financial act financial spirit, what before was being made up for, undertake superintendency to platform only is insufficient, make superintend more perfect, effective.
