According to venture of national Internet banking the end of the year released group of leader of special repair work 2017 " network of good about doing P2P is leasehold special punish rectifies and reform the risk the announcement that checks and accept the job " , by April 2018 before, each district ought to be finished main network is leasehold inside administer of the orgnaization put on record the job that register, the individual orgnaization with great to difficulty, extremely complex case, at latest ought to at relevant work was being completed before end in June 2018. According to relevant media coverage, superintendency branch already was in urgent recently allot an announcement, requirement each district suspends extending the net is borrowed put on record the detailed rules that register.
Data of not complete count shows, up to now, 20 areas visitting town such as countrywide mutual Beijing, Shanghai, Guangdong came on stage to put on record measure of the government that register, rectify and reform tabulation of test stop work for the day to wait put on record relevant detailed rules.
"Put on record the job can adjourn, core reason is the whole nation is on guard in layout the whole of Internet banking venture works, the net borrows the effect that gets this job to want to cooperate to adjust. "Guo Dagang of secretary-general of guild of Beijing Internet finance to law the reporter discloses on the weekend.
Rectify and reform won't loosen
2017 the end of the year, group of leader of special repair work allots venture of national Internet banking 57 article, to putting on record time makes demarcate: Finished before the bottom in April 2018 main network borrows an orgnaization to put on record inside area under administration the job, at latest should work entirely at was being finished before the bottom in June 2018.
And release in 57 article when, prepare the P2P platform that put on record to feedback for the most part " time is too close " : Some platform are faced with the asset that put an amount to digest difficult problem, some platform are half-baked still 3 class protect evaluation, return some platform to be put to be in charge of by the bank tied a foot.
Much ground puts on record detailed rules asks to put on record platform must put a valve to receiving bank fund, and the evaluation that the bank that put a valve requires to pass association of Chinese Internet banking. Nevertheless, put tubal bank to evaluate a result to had be notted announce at present.
Superintend strictly below, p2P platform puts on record through adding up to compasses operation ability to increase only opportunity, and before putting on record to did not allot, market competition can let the small platform of a few dozens of edge ball go out clear.
What is platform doing again? Appear on the market, collaboration, exit transition, in did not obtain the same scratch line that put on record to go up, platform of gold of different each other is making different choice.
Appear on the market to be equal to to disembark
2017 second half of the year, interesting inn, pat pat borrow, be in harmony 360, happy letter group appear on the market in the United States early or late, lifted company of gold of an each other to appear on the market Xiaogao is wet; Enter after 2018, company of gold of Xin Yibo each other appears on the market tide is lifted once more, 51 credit card, collect Fu Tian to issue division of He Weixin gold to parted to hand over manual of raise capital by floating shares to Hong Kong bourse. In addition, land gold place, leasehold treasure, Fan Pujin is division, small borrow a net to also be passed to be in plan appear on the market.
Why does company of each other gold gather together appear on the market? Inside partial course of study the personage looks, capable to appear on the market company of each other gold is representing what the enterprise acquired capital market to examine on certain level, can prove the normative degree of its platform from flank, and also will be made public financial standing, more transparent. In the meantime, company of each other gold is in after appearing on the market, return the give special treatment that can receive rectifying and reform time going up probably, lengthen whole change the date to be restricted to wait. Of course, its also there is no lack of rear investor is driven, or is to be based on superintendency hasten to father, appear on the market difficulty will be greater and greater think.
Appear on the market to be equal to to disembark, shake through appearing on the market superintendency possibility is very small, the impact that superintends pair of share price instead is bigger. Superintending the double pressure with the market to fall, the development of prospective industry is the most crucial still is to should be accomplished add up to compasses, success to put on record, appear on the market to be at most perfect.
P2P puts on record the system that register is first still
P2P puts on record after the system that register is definite, what quickened department of P2P inspect body greatly is perfect, help strength to the normative development of P2P quite much. But in put on record those who register the job is specific in advancing, still appeared a series of problems, outstanding watch is the following now at 2 o'clock:
The first, put on record the district difference of difficulty, local government spends difference wide gap to the enthusiasm that put on record. Partial local government sets out from capital attraction angle, holding the state of mind that puts on record more as far as possible in the arms to advance P2P to put on record matters concerned, give out all sorts of favourable policy attract actual strength player to put on record in this locality, relevant aptitude leaves former silver-colored inspect to be able to put on record to P2P the superintendency requirement difference that register is very far. And another some of local government is in be on guard what the angle of the risk avoids to P2P is wary not as good as, partial platform needs migratory different land to put on record smoothly.
The 2nd, put on record the size platform difference of difficulty, small platform is checked and accept easily through putting on record than big platform. Previous P2P lack is superintended, big platform accumulated more heavier than small platform history burden, the resource that digests the need that put an amount to bring into play and devoted energy more very. Be compared and character, small platform test and verify " boat is small the adage of good tune " , relative to character is satisfied easily put on record easiness superintendency requirement. This is abet relevant orgnaization and individual raise housing and rather than to begin the drive that manage actually.
Put on record in P2P be about to be born when, by local government dominant put on record the issue of the existence that register is increasingly outstanding. When this hour, if time allows, go up by level of central superintendency orgnaization unified extend or put business certificate or its guidance allots by is another feasible train of thought. The hopeful of management license system that orgnaization level dominant superintends in the center of is solved a regional benefit and pour housing to sell housing these two issues.
Put on record all up is helpless retreat turn
Rectifying and reform fall from severe setting, platform of gold of a few each other puts on record all up can choose to exit Internet banking industry only, transition does other business. For instance, elegant hall finance was in on January 23, 2018 its are small announcement of hair of letter public date announces to quit P2P professional work. Announcement says, in answer to the country relevant policy asks, the company decides to quit P2P professional work actively since this day, hold water clear to quit a panel, make those who decide satisfaction of investor of sell one's own things quit plan and plan. In the meantime, elegant hall finance represents future its will be dedicated expand new retail business.
Of course, elegant hall finance is not exclusive a company of each other gold that quits Internet banking industry. According to what silver-colored inspect can announce statistical list showed first quarter 2018, 2018 exit list home number to be 29 first quarter, with exited an amount to keep balance first quarter 2017.
Look from superintendency orgnaization angle, the open of special punish and Internet finance superintend Internet finance the be born of method, it is to protect investor substantially, the stability of guardianship home money market.
