Realize dispatch of the empty net that return profit to enter in June, " network of good about doing P2P is leasehold special punish rectifies and reform the risk the announcement that checks and accept the job " (57 article) in close already to the time node that put on record and rectifies and reform, but from each progress looks, each district P2P puts on record delay has decided basically.
"Although put on record defer, but the direction that I think P2P trade is large is clear, in wanting a P2P industry condition to bring into the finance of Chinese whole to superintend namely, go. " author of small talk science and technology holds CEO Huang Cong concurrently to expressed a few days ago, the development direction of the industry is final will be to let an user be benefited.
Put on record to be delayed again, license plate is made guess
Began 2016, p2P industry superintends policy in succession be born. Released on August 24, 2016 " activity of business of orgnaization of leasehold message medium manages the network temporary measure " regulation, whole change the date does not exceed 12 months. Subsequently, on December 8, 2017, p2P net borrows 57 article that group of leader of special repair work allots the risk to decide the time node that rectify and reform afresh: The bottom finished main network to borrow platform to register in April 2018, difficulty the individual orgnaization deadline with great, extremely complex case was June bottom.
This year in April, according to media coverage, superintendency branch informs a place of finance to bureau, finance does, requirement each district suspends releasing P2P to put on record the detailed rules that register, this is meant put on record the work will adjourn possibly once more.
Strong superintend below, p2P trade is current still heat is not decreased. The data inside course of study shows, in May 2018, the net borrows an industry to clinch a deal the quantity is one hundred and eighty-two billion six hundred and sixty million yuan, annulus comparing rises 5.53% , look from platform of TOP 100 of loan remaining sum, the annulus of loan remaining sum of more than 70 platform rises than appearing, of nearly 70 platform clinch a deal quantity annulus rises than appearing.
Be in harmony of essence of life collects brave of president a surname to think, p2P expands in Chinese development the reason has at 2 o'clock, it is high savings ratio of China, outside making common people rich, borrow, assured capital offer; 2 it is the financial service cost that traditional banking orgnaization offers and efficiency inadequacy, be similar to American rich nation the bank is so dedicated the financial orgnaization scale that borrows money at individual and small small company is not large still.
Huang Cong expresses, to financing end and hypostatic economy, it is in the cost that can bear, financing of field of each other gold is quicker than silver-colored make things convenient for somebody be accommodating, small to supporting entity economy and China small company is helpful; To investor, the yield of P2P, convenient sex is good at the bank. "Hope to be rectified through clearing, the whole nation leaves 229 platform, can let investor feel safe, set one's mind at. Can let investor feel safe, set one's mind at..
Put on record delay lets the market guess to the future of P2P ceaseless, "License plate is made " become one general orientation. Huang Cong thinks, the development of P2P pays with tripartite similar, inchoative at folk, after the risk is exposed gradually, the country begins to strengthen superintend. " tripartite pays to began to send license plate 2009, at present license plate gross is in many pieces 200. " Huang Cong says.
The superintendency train of thought that if consult, tripartite pays, huang Cong thinks, also can pass " license plate is made " administrative P2P industry, "Many 1800 from now in deal, leave a certain quantity of P2P that hold a card. Leave a certain quantity of P2P that hold a card..
Clear industry 4 general orientation
Huang Cong thinks, the way with P2P old industry ought to be clear, "Want a field of each other gold, in including P2P industry condition to bring into Chinese whole finance to superintend, go, make trade news transparent, financing person ensure somewhat, loan person do not suffer usurious worry, no matter be investment user, loan user, can from which benefit. Can from which benefit..
He is mixed from partner, asset, interest rate superintended 4 angle to analyse P2P industry to be in strong superintend the future below to develop.
Partner respect, the government is in charge of apt having the large stockholder of actual strength seriously, "The level that 23 people constitute financial platform before has ended, large stockholder requirement is to have serious and actual strength, responsible company certainly. Large stockholder requirement is to have serious and actual strength, responsible company certainly..
Asset side, of small and dispersive mark, the direction that the inadequacy that makes up for bank system demand of dedicated general benefit, effectively is P2P future. Huang Cong expresses, p2P future allows do only small of mark, always hit what pack oneself blame P2P or plan of conduct financial transactions to want fish in troubled water is edge ball, certain be impossible to last, platform of prospective general benefit just is the platform of each other gold that the country encourages.
The temporary measure that came on stage in August 2016 has made clear a regulation, the network is leasehold amount ought to with small give priority to, the individual is in the upper limit of loan remaining sum of platform of a P2P is 200 thousand yuan, in upper limit of different platform amount it is 1 million yuan, company upper limit is respectively 1 million yuan, 5 million yuan.
Interest rate respect, when the courtyard promulgates standard of top 2015 people to set leaseholdly about folk, differentiated " two lines 3 areas " , annual interest leads the leasehold contract of 36% above to disable. Released in December 2017 " rectify about the standard " cash is borrowed " the announcement of business " made clear the red line of 36% , ask of all kinds orgnaization should unite convert to be to the integrated capital cost of borrower collection year change a form.
Huang Cong says: "Some platform are actual interest rate is not under of 36% , it is the object of superintendency blow. It is the object of superintendency blow..
Superintendency respect, huang Cong expresses, superintendency detailed rules is met clarity of all the more, meticulous, press close to is actual, industry diaphaneity will promote considerably. "All companies should sign a letter, want to superintend report data, the information of the open sees with investor sign on the net is transparent, the description that includes be whose loan, whole mark after all is what, risk is on guard what is measure, accord with these only, just be the way that future develops. Just be the way that future develops..
Anyhow, p2P future is strengthened close compasses, enhance superintended way changeless. "Truly good finance, it is administrative venture not just absolutely, still must be the proponent of the guarder of social asset and social value. " Qi Yong cites this word that banquet of Rob spy · carved Nobel economics award gainer 2003 expresses to the reporter.
