The reporter learns 4 days from Chinese people bank, it is no matter in battalion still is to already exited the P2P network that manage to borrow an orgnaization, all will accept the system that sign a letter in the round, the net borrows a domain to break one's promise person or will be faced with raise loan interest rate, limitation to provide the chasten measure such as loan.
The wind that reduces a net to borrow an orgnaization controls cost and operation costIn recent years, partial borrower borrows machine ill will to escape useless debt, exceed the time limit not reimbursement, aggravate P2P net shifts industry risk.
Break his promise to increase P2P net to lend domain borrower chasten strength, protect lender interest, special repair work heads Internet banking venture group and network are leasehold group of leader of special repair work allotted the risk a few days ago " the announcement that believes systematic construction about strengthening P2P net to borrow a domain to ask for " .
The announcement puts forward, support borrows an orgnaization to receive database of base of financial credit information to run the orgnaization signing a letter such as letters of orgnaization, 100 travel ask forring in battalion P2P net.
The orgnaization that sign a letter needs to comply with law collect, arrange, save, machine and provide credit information external, protective information main body closes right increase.
"Bull is leasehold escape with ill will useless debt is the outstanding issue that perplexes P2P net to borrow an industry to develop. This action can reduce a net to borrow the wind of the orgnaization to control cost and operation cost, protect lender rights and interests. " Li Aijun of dean of academy of law of banking of Internet of university of Chinese politics and law thinks, receive the system that sign a letter to have deterrence and chasten effect to borrower, can enhance desire of its countervail debt.
Borrower " escape useless debt " behavior will not have place escape formAlthough nearly two years the net borrows what platform matchs,trade interest rate somewhat be issued to lower levels, but the loan project that still partial platform rolls out high income. According to relevant law provision, rate of civilian leasehold annual interest exceeds 24% , the court will not be protected.
Accordingly, in the relevant credit information that borrows an orgnaization to send to newspaper of the orgnaization that sign a letter in P2P net, the announcement puts forward clearly to want to report place to match a net to borrow trading interest rate information. Interest rate exceeds the leasehold interest rate that people court supports, information main body has right demur, ask to correct.
Internet finance risk is special since punish, already many nets borrow an orgnaization to exit, and a few borrower take advantage of a favorable situation hit " escape useless debt " idea, damaged lender rights and interests.
To this, the announcement puts forward, borrow an orgnaization to exiting management P2P network, will still collect, choose relevant break one's promise information transmits the orgnaization that sign a letter.
Break his promise to increase pair of nets to borrow a domain chasten strength of the person, the announcement puts forward, encourage banking finance orgnaization, insurance device to borrow a domain to break one's promise to P2P net the person raises loan interest rate and property premium rate, perhaps restrict provide the service such as loan, insurance to its.
In the meantime, encourage each district to build the scrolls pasted on either side of the door forming a couplet that cross a ministry to add up to chasten mechanism lawfully, to breaking one's promise behavior increases social chasten strength.
■ origin / Xinhua News Agency
■ editor / Liu Jie
