P2P platform " explode Lei Chao " in, how to guard common people " money bag " ?

N evening paper Zhang Li of reporter plum Zhou Ying's reporter

Enter this year since summer, the whole nation already had platform of more than 100 P2P to run road, clear dish or exceed the time limit, there is no lack of among them the big platform of one billion four hundred and ten million and sixty-five thousand four hundred and eight class, investor everybody highs oneself, bemused mood diffuses to come in practitioner even. As superintend continue from severe, from close, new round " sea cleans out sand " still be in continuously.

The reporter understood yesterday, this year first half of the year, put on record of city accumulative total investigates Jia Xingquan to collect money illegally, absorb the finance such as public deposit illegally to violate a case 23 cases. Next, the our city will deepen punish of risk of outstanding finance domain further.

P2P platform appears " explode Lei Chao "

Since this year June, p2P net borrows an industry to enter eventful autumn, in July, the P2P platform amount that gives an issue increases apparently.

The home that borrows according to the net released on August 1 " P2P net shifts an industry July 2018 monthly magazine " show, up to by July, countrywide P2P net shifts an industry amount of normal operation platform drops reach 1645, compare with the photograph end June reduce 218. According to not complete count, these 218 are medium, problem platform 165 (carry show difficulty 143, run detect of 19 the home, classics intervene 3) , platform of close down transition 53. And according to the net data of the eye that loan a day shows, came on June 1 on August 9, countrywide P2P net borrows industry stop business and accumulative total of problem platform amount to have 385. Internet finance adds up to compasses zephyr to accuse a problem to cause wide attention of the society once more.

Meanwhile, superintend related also strengthening ceaselessly. On August 4, special repair work heads Internet banking venture network of group, P2P is leasehold group of leader of special repair work is opposite the risk to boost Internet finance steadily especially network special repair work puts forward leasehold risk to make clear a requirement 9 times. 8 days, special repair work heads Internet banking venture group office print and distribute " send P2P platform borrower to escape about the newspaper the announcement of useless debt information " . 12 days, office of group of leader of special repair work, net borrows Internet banking venture office of group of leader of special repair work holds the risk jointly the net borrows orgnaization risk to deal with reach a standard to develop working informal discussion, collect analyses current network to borrow risk situation and early days to answer working circumstance, next risks answer research formulate act.

Our city punish obtains initial effect

Since last year, the our city violates guilty chaos to resemble in the light of domain of investment conduct financial transactions, establish city technically to be on guard job of illegal crime of domain of blow investment conduct financial transactions heads a group, make come on stage " about be on guard domain of blow investment conduct financial transactions violates guilty activity cogent safeguard masses the executive opinion of legitimate rights and interests " , exert oneself compose builds platoon of sectional hold a conference or consultation, risk to feel, the key talks about and execute the law jointly wait for a risk to prevent accuse to grow effect mechanism, the after the event in enhancing beforehand responsibility is superintended, increase blow punish strength, the job gained active headway. Current, collect money illegally the case sends impetus to get keep within limits more, whole town issues domain of conduct financial transactions of door inn, investment to violate advertisement and activity to decrease apparently without investment economy line of the license, realized domain of investment conduct financial transactions to violate crime to add case amount and masses damage amount newly to drop apparently " two fall " target.

The situation of finance of whole city economy that the reporter holds from a few days ago analyses meeting and financial venture to prevent accuse the know on working conference, in recent years, the our city invests domain of conduct financial transactions especially in the light of Internet finance, begin special punish operation continuously, perfect each mechanism, obtained initial effect. Up to in June end, whole town invests conduct financial transactions to seek advice from industry measure to be 871, reduce 122 than the beginning of the year, drop compared to the same period 22.3% ; Put on record of accumulative total of whole first half of the year town is investigated collect money illegally, absorb the finance such as public deposit illegally to violate a case 23 cases, experience record amount 6.81 billion yuan.

Fine the finance that start city does director Bao Yuqiong to express, be on guard blow invests domain of conduct financial transactions to violate guilty activity is the issue closes people a of personal interest and stability of social overall situation important and special job, want a safety of protective people property to regard essential jumping-off place and stay as the dot.

The risk is prevented accuse a situation austere and complex

Data shows, up to in June end, bad loan remaining sum is orgnaization of our city bank 3.367 billion yuan, relatively the beginning of the year reduces 540 million yuan; Bad loan rate is 0.51% , relatively the beginning of the year drops 0.13 percent, under complete province average 0.87 percent, financial asset quality continues to hold complete province best.

However, superintend in financial domain increase continuously, "Endowment canal new rule " etc go lever, go passageway, go the fault matchs, go below the situation that the superintendency measure such as the idling reinforces ceaselessly, phenomenon of enterprise bond beak a contract is apparent grow in quantity. According to statistic, this year since the beginning of the year, up to on July 18, amount of beak a contract of countrywide enterprise bond already amounted to 28, involve amount 29.2 billion yuan, involve a company 16. According to bulletin of bureau of Zhejiang card inspect, did not come 3 years, our city debenture faces greater cash pressure, dimensions of the biggest cash is second half of the year this year 8.46 billion yuan, dimensions of the biggest 2019 cash will achieve twenty-four billion one hundred and seventy-seven million yuan.

Meanwhile, financial venture is prevented accuse especially Internet banking venture is prevented accuse a situation still austere and complex.

This year since the beginning of the year, the circumjacent area such as Shanghai, Hangzhou because Internet finance platform " explode thunder " hair of caused frequency of not stable incident, especially since June 20, orgnaization of finance of Internet of province interior cent controls a person difficulty of occurrence project exceed the time limit, cash, actually to break couplet to run the risk circumstance such as the road. Up to on July 18, mechanism of complete province public security already put on record 33, suffer case 13, these orgnaizations basically are in Hangzhou centrally, wh some of which sets a branch in the our city or property is exhibited in the our city.

Hit good banking venture to prevent accuse battle of assault fortified positions

2015 since second half of the year, the our city is aimed at invest kind of enterprise characteristic, the canal such as investigation of the hold a conference or consultation in program and thing are being told before carrying out a thing accuses measure. However, the reporter understands discovery, partial enterprise is mixed in the name scope of operations register in registering conciously avoid is superintended, bring about management activity to concealment the gender increases.

According to introducing, our city 23 cases of put on record are medium first half of the year this year, only contain in 7 companies name " finance " " investment management " " business management " " equity invests " wait for model of written characters, occupy than be only 30.43% . "These canals that strengthen pair of illegal banking activities to the our city accuse to bring difficulty, the risk discovers in time hard. " Bao Yuqiong says.

This year since the beginning of the year, strength of work of repair of finance of complete province Internet is increased ceaselessly, realized an orgnaization amount and violate compasses business dimensions " double fall " target. Up to in June end, complete province still is 248 in the Internet finance orgnaization of operation, 1234 are exited since punish, exit rate for 83% .

Next, the our city will deepen punish of risk of outstanding finance domain further, the key develops P2P network leasehold risk is special punish, the orgnaization tissue that includes punish list to early days begins comprehensive spot inspection, make a thorough investigation of whether is the orgnaization dissolved according to the regulation put a quantity to violate compasses business, take strict precautions against falsify pass a test of data, deceive; The orgnaization that violates compasses illegal condition to existing passes administrative punishment and criminal blow stoutly, quicken the market to go out clear; Begin a risk to evaluate to adding key orgnaization one by one newly, supervise its to put forward to rectify and reform a plan and be carried out, partner should make calm danger exit assure.

In the meantime, investment conduct financial transactions seeks advice from the admittance doorsill that waits for a likelihood to pursue financial activity business to also will rise further, in registering name and scope of operations in principle must not be used " finance " wait for 16 kinds of model of written characters; What pursue Internet banking business to drafting is new set a company, did not obtain admittance to permit, do not grant to telegraphic business is permitted or put on record, do not grant the bank opens an account, do not grant to offer pay settle accounts the service.