Borrow what group of leader of special repair work allots the risk according to P2P net " network of good about doing P2P is leasehold special punish rectifies and reform the risk the announcement that checks and accept the job " medium working deploy, each are big the net borrows platform to all work in order to put on record for the first first step, some P2P platform is applying for ICP business certificate, the class protection such as safety of a little busy system of information of the home that become a state 3 class attestation, return some to do a bank to put final sprint is done on the canal. However in light of the data of statistic of P2P blackboard newspaper, have Icp business certificate at the same time, waiting for the platform proportion that maintains 3 class, bank to put a valve is not very tall, did not come for some time it is very big that to P2P platform pressure is returned.
To investor, before putting on record to come out as a result, it is best profitable opportunity probably. Had done really put on record, p2P the following accrual is about to consult the interest level of bank conduct financial transactions, reduce considerably even, cherish the high interest chance with last P2P, the choice adds up to compasses, platform relying on chart, set his mind at to make money.
Put on record great to the meaning of P2P platform
Put on record finish platform of not certain representing very arrogant, also do not represent safe; certainly but put on record cannot finish mean P2P platform to will be washed out, mean through putting on record took a ticket that plays P2P.
It is reported, the net is borrowed put on record delay is to cooperate the whole nation to be on guard in layout the whole of Internet banking venture works those who make is timely adjust, any changes that do not represent superintendency policy way and loosen, do not hold the opinion of soft tone, should make full use of however this paragraph of time before putting on record, close in platform increase on compasses, lawful construction rectify and reform strength, according to newest policy requirement, each preparation receiving check that makes good net actively borrow platform to put on record works.
Short-term in light of, the net is borrowed add up to plan cost to have truly rise, long-term look, rise as what the net borrows industry doorsill, mart competitor also can decrease accordingly, below the market after purify, borrow platform to will welcome new development new opportunity through the net that put on record.
The net is borrowed put on record delay was not concerned combine compasses text, close compasses do not have end period, go up in the road forever. Adjourn this, good to been do the platform that rectifies and reform the job does not have an influence basically, and the platform that puts on record to having notting get ready will tell, had more abundant preparation time, can yet be regarded as the main chance.
And will tell to investor, no matter put on record to whether adjourn, the logic that chooses the platform that the net borrows is changeless, add up to compasses sex the first selection that stability of tall, asset, wind accuses the platform with strong actual strength is investor from beginning to end. In the meantime, need vigilance adds up to compasses manner confused, did not undertake tardy relevant the platform that joins compasses movement.
Everybody remembers certainly, you can the channel of lawful conduct financial transactions of bring into contact with has two kinds only: One kind is orgnaization of the finance that hold a card, for instance business of bank, certificate, safe; Another kind returns what can be used at conduct financial transactions to have P2P only without license plate, do not have again other. So some orgnaizations say he are not P2P, also do not have financial license plate, what is he then? Can calculate only collect money illegally.
P2P platform puts on record to need what aptitude at least
Relevant superintendency policy is considered back and forth first before the aptitude that combs need, country and each local government are right the superintendency file of P2P industry, most of core is the net shifts an industry " 1+3 " (a method 3 how-to) system system, "1+3 " (a method 3 how-to) the superintendency policy that system system is national level, have to the whole nation equal directive and normative effect, each district finance does checking and accept a file is with this system the system is a guideline, make each district check and accept policy, "1+3 " (a method 3 how-to) system system is indicating P2P net borrows trade bank to put a valve, put on record, information is announced 3 basically add up to plan policy be born greatly. According to this system system, p2P platform has what aptitude, what to do to rectify and reform?
1, ICP business certificate
" activity of business of orgnaization of leasehold message medium manages the network temporary measure " make clear what did not obtain ICP business certificate to must not begin P2P net to shift business.
2, the bank puts a valve
" activity of business of orgnaization of leasehold message medium manages the network temporary measure " bank of need of capital of clear P2P platform puts a valve. Superintendency way asks P2P net borrows platform to must the bank puts a valve clearly, the bank puts a valve is the net borrows platform to close compasses one of important levels that change a standard. At present the bank puts a valve still is P2P platform adds up to the rigid index of compasses, also be the mainest index. As Internet finance knowledge gain ground, the acknowledge that the user that P2P net borrows, investor borrows to P2P net is strengthened, be far from stage by stage did not go up the platform that line bank puts a valve, the bank puts a canal to become investor to choose the level of platform, the P2P platform that puts a valve without the bank will close with the industry compasses go gradually gradually far.
3, grade of safety of national information system protects 3 class attestation
" activity of business of orgnaization of leasehold message medium manages the network temporary measure " the 3rd chapter shows the 18th times, "The network is leasehold message medium orgnaization ought to the demand that according to national network safety relevant provision and country believe protection of breath safety grade, begin information system to rate put on record to check with grade.
4, asset end adds up to compasses sex
"Small and dispersive " pressing literal meaning is with lesser amount, dispersive investment is in many investment product. Small and dispersive the risk of significant dispersive investment that can let lender diversity, the P2P that is requirement of a kind of opinion be superintendencied manages mode. On one hand " small and dispersive " can all-around the financial system that for the society all estate and group provide a service, reflect finance of benefit giving general " Pu Hui " characteristic.
The basis superintends a requirement, p2P must exit big loan domain, and turn to small and dispersive burgeoning domain, this includes among them small cash is borrowed, consumptive finance, car is touched borrow, rural finance
" activity of business of orgnaization of leasehold message medium manages the network temporary measure " the upper limit of loan remaining sum that makes clear an individual to borrow platform in same network does not exceed 200 thousand yuan, the enterprise borrows the upper limit of loan remaining sum of platform not to exceed 1 million yuan in same network.
5, other
Still have according to silver-colored inspect the net that meet an official is released " news of activity of business of orgnaization of leasehold message medium shows the network how-to " undertake pertinent information is announced; Super the creditor's rights that puts the pattern that borrow a person makes over need to stop to wait a moment.
In addition and other places of Beijing, Shanghai, Guangdong, Shenzhen, Chongqing, Zhejiang, Jiangsu, Jiangxi, Shandong, Hefei, Xinjiang, Fujian, Henan, Shanxi, Heibei, Tianjin allotted subsidiary channels in the human body through which vital energy early or late orgnaization of leasehold message medium puts on record executive detailed rules and regulations of the government that register perhaps asks for opinion draft. Its content all very much the same, platform does good above 5 points put on record the job is met a lot of more relaxed.
