All the time since, capital puts a canal to borrow lender of orgnaization development, safeguard as normative net the main component of legitimate rights and interests, while the net borrows industry and net to borrow an orgnaization to fumble ceaselessly, superintendency branch also gives height to take seriously. From July 2015 the Central Bank is released " the directive opinion that develops about promoting Internet finance health " , can release to silver-colored in August 2016 inspect " activity of business of orgnaization of leasehold message medium manages the network temporary measure " , can release to silver-colored this year in Feburary inspect again " leasehold capital puts the network tubal business is how-to " , we see not hard, the fund that P2P net borrows platform puts Guan Zaiming to show quickly, the bank puts a valve added up to rule requirement to become each superintendency predicament that large network borrows platform to contend for photograph breakthrough on one hand, also become on the other hand close to platform is measured inside course of study compasses the important level that changes a standard.
Shift weather eye according to the net not complete count, end on June 8, the network that the bank that finish puts the line on tubal system borrows platform to add up to 251. The net borrows weather eye academy to studied the report shows in June, up to on June 30, 2017, the whole nation is in operation P2P platform in all 1770. Calculate from this, 14.1% what finish the platform amount of the line on the direct system that put a valve to occupy gross only.
Face the P2P platform that still has plan of disagreement of so much home, how investor discerns does true bogus put a valve?
Head Chen Luo of library finance CEO is become state bogus bank puts a canal to cover a region deep, investor must look clear: It is P2P net borrows orgnaization and department of bank electron bank to reach open an account agreement (electronic bank department is not a bank) allege external already obtained a bank to put tubal intelligence, but essence did not put formalities of tubal examine and verify through each. 2 it is P2P net borrows an orgnaization to open an account through be in a bank only, the cash that pays an investor through tripartite fills the account that is worth a company to go up, allege external and tripartite pays reach a bank to put a valve jointly, capital flows into this platform account directly, lack tripartite to be superintended effectively, cause platform divert capital easily, run even road. 3 it is P2P net borrows an orgnaization to stock brushstroke capital to the bank with individual name, obtain corresponding deposit evidence, allege oneself are finished put a valve. Last kinds are P2P net is borrowed the orgnaization pays an orgnaization to sign mandatory agreement with tripartite, but " leasehold capital puts the network tubal business is how-to " the independent character that pointed out the bank begins capital to put tubal business, state tripartite pays an orgnaization to regard the finance that be not silver as the orgnaization, itself does not possess the qualification of business principal part of the person that put a valve.
How does investor discern whether does the net borrow investment platform to finish bank financing to put a valve?
Examine a net to borrow investment platform to finish bank financing to put a canal to have a few kinds of methods:
1, the need when registering registers account in the bank that put a valve at the same time, and need real name is registered
2, the meeting when registering jumps turn to page of the bank that put a valve
3, the short message hint that the bank can get when registering account
At present trade statistic, the mode putting a valve on consist in market basically has 3 kinds:
Head Chen Luo of library finance CEO is become express, head what library finance adopts is to put a valve directly, user experience is much better. The disbursement that connects continuously because of the bank experiences a problem, bring about pay link bank to be willing to receive tripartite to pay will optimize solve. Account of the independent account putting a valve that platform of draw together of its nucleus pericardium puts tubal account, investor and borrower, risk a shot in the locker open connect as good as continuously with settle accounts and bank -- account leaves in the bank, capital close an account is finished by the bank, this mode bank is placed between P2P platform and user, effective implementation net borrows the complete segregation of platform and capital, prevent platform to contact user capital, satisfy superintendency requirement completely.
Different is, put a valve directly among them disbursement link is handed in at tripartite to pay a company. Develop quickly as Chinese Internet, tripartite pays solved a bank to be in the issue that pays the ability on experience, service inadequacy, promoted the disbursement of user whole effectively the experience. Current, head the user of library finance need not pay carry reach charge of formalities full a cost now, let an user experience high grade finance serves better, welcome broad investor investment.
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