As " each other golden endowment is in charge of new rule " announce, present Internet finance is P2P, p2P is Internet finance. "And the net is borrowed put on record materiality adjourns, the net borrows platform to perhaps can be opposite in the day that continues to rectify and reform a problem tosses about: In the market of the Red Sea of good and evil people mixed up, p2P net is borrowed still is an exceedingly meaning after all. In addition, to from trade public figure for, p2P of the most interrogative nothing is more... than is the problem of credit intermediary or message medium. The analysis thinks, the P2P that high venture capital is full of, light broke firm add not to solve a problem from the bargainor, must enhance investor education from buyer angle.
Besides do good wind to accuse, maintain flow besides, join compasses faculty namely. As " each other golden endowment is in charge of new rule " announce and the net is borrowed put on record materiality adjourns, the net borrows platform to perhaps can be opposite in the day that continues to rectify and reform a problem tosses about: In the market of the Red Sea of good and evil people mixed up, p2P net is borrowed still is an exceedingly meaning after all.
Internet finance only the P2P of remnant
Add up to regulation way to what did not come, it is to should hold a card to manage for certain, without the leeway of deliberate. Do finance to must want to hold a card, do asset management to have to have bank, negotiable securities, illicit collect, fiducial these license plate, do P2P to also must have the license plate of P2P.
The near future shakes to Internet finance platform the biggest, special repair work heads venture of banking of Internet of nothing is more... than group office in March end allots " begin strength of punish of asset management business and the announcement that check and accept the job through Internet about increasing " (" announcement " ) . " announcement " the requirement relies on Internet to make public asset of put on sale to manage a product, the asset that must acquire central finance management department to issue manages business license plate or asset management product sells goods on a commission basis license plate, inspect illegal banking activity otherwise.
Of this file allot brought about directly want to be borrowed in the completes basically network end this year June originally put on record delay, also block the endowment canal circuit of Internet finance up dead entirely. Originally the business of the on a grand and spectacular scale that Internet finance makes before a few years, for instance Internet negotiable securities, asset manages wait for class, remain " Mount Hua only at present a road "- - P2P net is borrowed.
Is message medium still credit intermediary?
To from trade public figure for, p2P of the most interrogative nothing is more... than is the problem of credit intermediary or message medium. Even if superintends a branch to had been its definition message medium, but the responsibility that a lot of moment need to lose credit medium.
"Regard a P2P as the enterprise, we are very bemused also after all what is the fixed position of P2P, it is financial attribute or Internet attribute, be the matchs platform or finance service platform of information? Serving as financial orgnaization to tell is to should accept all sorts of obligations certainly, the enough like its net assets, net capital, capital rate, MPA assessment that includes a bank must have, because after all it is financial orgnaization, "A platform administrator that pursues mortgage loan expresses to insurgent news, "If say P2P fixed position is financial orgnaization, it is the word of platform of intermediary of a credence, be equivalent to is license plate of bank of a part, bank the function of one much is credit intermediary. Regard partial bank as license plate so, the fixed position of P2P and function also can produce very big change for certain. The fixed position of P2P and function also can produce very big change for certain..
Before P2P so inviting, among them a reason can add lever indefinitely namely, it is OK the financial platform that avoid net capital restricts, even if be,register capital gold 1 million trade the quantity also can be accomplished 10 billion. But also personage of the observation inside many course of study thinks this is unreasonable, platform is matched trade quantity should with net capital link up with, because in the final analysis is done, is the business that the risk fixes a price.
Actually American money inspect manages arrange (OCC) last year when begin to issue bank license plate to P2P, why to if can Chinese follow the lead of appear,plant case?
Afore-mentioned administrator express, regard a bank as intermediary of this kind of credence, platform can be done assure, the capital that also can match capital fund to platform place and accrual are responsible, corresponding its aptitude also can want to rise than simple message medium a lot of.
And the problem that at present P2P exists depends on, average investor is right its period make or protect this payment of interest, and superintendency branch is defined to its at present is message medium, this also means platform to regard as pure match platform, incorrect asset is responsible, add a letter, assure, price of credit grade, credence, risk price, later period is undesirable deal with to need not be done.
Afore-mentioned administrator think, below this kind of circumstance, the risk turns to investor directly, but Chinese investor is not complete reason, the breaks firm add to have even two years transition among endowment canal new rule period, if speak out a P2P to expose, all risks let an user be carried oneself, this risk is very big, "P2P asset is sub asset, capital is public capital, match the capital fund with top risk and fund, can have an accident sooner or later, intermediate platform still does not assure, not reveal all the details, do information to match only. You are equivalent to putting the most poisonous milk powder and the little baby that just are born in the market, let little him baby choose milk powder. Must have a strong superintendency market, market regulation government said to calculate, what milk powder can come in, what kind of investor can come in, we must have unified level. We must have unified level..
Endowment canal new rule puts forward firm add, but the market is accepted spending still is a problem. Ren Heng expresses to insurgent news, dispute of endowment canal new rule often accords with the market to develop, because asset itself cannot be of firm add, but investor idea catchs up with endowment canal new rule this is a bigger question.
Superintend the frequency that cover interest to show all corners of the country, risk aggravate
"" of good and evil people mixed up is the comprehensive assessment of the personage inside many course of study to P2P industry.
Superintending stipulated P2P net is borrowed do " only the principle of small and dispersive " , and be borrowed to cash increase after rectifying and reform, once the industry of sudden huge profits at a draught lonesome come down, also put the gray region that is in many bypassing to superintend of course.
Be aimed at for instance small and dispersive, many platform tear open big capital fund into a lot of home companies and individual to come leasehold, but once be discovered cannot abiding. In the meantime, partial capital overheat, for instance car guaranty borrows money, loan of platform of because this part capital fund is similar as single as now individual home does not exceed 200 thousand yuan superintendency requirement to just be accorded with, and have mortgage, look more reliable.
The user that many platform come out to mortgage to grab these to take a car begins " by hook and crook " , the car is done to borrow previously want " double give as security "- - card of mortgage vehicle, detain, turn " sheet into detain " later, detain card not mortgage vehicle, appeared even now detain key, driver's license, travel can lend money directly originally. Some becomes the borrower that car mortgages, the first first detain key, next oneself match a key again, again mortgage vehicle this, want the car to come out originally again next, mortgage again card not mortgage vehicle, again detain card again mortgage vehicle, be equivalent to a car mortgaging 3 times at least. This is the potential the cause of disaster that the competition that do not have foreword brings.
Cash is borrowed also is such. Last year December, superintendency requirement cash borrows limitative interest rate to arrive year change 36% the following, many companies go up unexpectedly wore the ready money that contains person accident risk in installment, be equivalent to changing partial interest into insurance expenses beforehand collection, as similar as " of " behead breath. This ceases high namely the mutation that cash borrows.
Additionally a few cash lend a company, in lend short-term ready money deadline spins, make it cash in installment, but a cash borrows company personage to express to insurgent news, the market is accepted spending is not very tall, "Borrower a month can return thousands of money on, make me one year still be over only by what, is every month fixed pay interest? Is every month fixed pay interest??
End of prospective P2P capital and asset end will be detached, specialization by what differ the company goes doing, capital end does fund only, asset end is market of a long end, capital and different asset end undertake cooperative, also be an existent road, oligarch won't exist, be in especially money market, so the whole nation still can be put in hundreds of P2P.
