Recently, association of Chinese Internet banking is released " about be on guard dummy loan project, ill will is cheated borrow wait for P2P network the announcement of leasehold risk " (the following abbreviation " announcement " ) , when the announcement asks relevant member unit is organizing project of butt joint loan, should ask borrower signs credit commitment book when loan. Guan Qunchi gallops right " announcement " make understanding read, this is risk of gold of afterwards each other ill will of borrower of blow of office of group of leader of special repair work escapes the another government after useless debt weighs big move, association of banking of this China Internet is cheated to ill will borrow behavior skill, want the order that from fountainhead normative industry grows namely, be on guard of platform and borrower add up to compasses and credit risk, protect lender interest.
" announcement " put forward to asked at 3 o'clock:
The first: Borrower should sign credit commitment book
Leasehold orgnaization should lead P2P network borrower establishs sincere letter concept, when organizing project of butt joint loan, should ask borrower signs credit commitment book when loan, make sure its offer the authenticity of the loan data such as origin of use of credit information, fund, reimbursement, if provide a data existence is false and disloyal, borrower will assume corresponding legal responsibility. Borrower is a natural person, sign credit commitment book by oneself, borrower is an enterprise, sign credit commitment book by industry legal representative.
Coronal group unscramble: Safeguard oneself rights and interests exterior method relies on law, in-house method accuses in wind
Internet finance platform avoids to be able to encounter bad Zhang phenomenon hard in management process. Borrow platform to the net for, exterior method needs to rely on legal measure to be oneself dimension authority; And safeguard oneself besides effort besides legitimate rights and interests, accuse mode to undertake aggrandizement to the wind of oneself even, reducing bad Zhang to lead ability is best safe safeguard.
Coronal group the core group of requirement loan company undertakes assuring jointly, and coronal group wind accuses to move personnel to also want to undertake assuring to the project, pass " science and technology + humanitarian + system " means, use " financial + business + objective " " trident desired result " wind charges pattern, with " the eye sees for solid " all finance affairs of tone, company and business data are online the means that signs a letter, implementation industry data meets test each other, reductive in the true reimbursement ability of small small company and financial condition, reduce the credit risk that platform should face greatly thereby.
Except hold investor to meet regularly meeting and media meet besides the meeting, coronal group in still can guiding investor to look around personally small small company, announce the act such as company operation circumstance actively to perfect information to announce to media, carry out travel is transparent operation principle.
The 2nd: Lender and borrower must one by one signs leasehold contract
" announcement " requirement, leasehold orgnaization should lead P2P network lender establishs venture concept, help lender knows borrower and loan project information and its risk adequately, constituent lender and borrower one by one sign leasehold contract, can offer a way to assist lender to check the authenticity of relevant loan project when necessary.
Coronal group unscramble: The fixed position of intermediary of breath of firm be as good as one's word
This one clause is the demand that emphasized a net borrowing platform to regard information as intermediary and responsibility actually, regard information as intermediary, the responsibility that the net shifts platform basically has at 3 o'clock: It is to examine grade function, the authenticity that is like information of the loan that check, choose news value to wait a moment; The 2nd it is risk price, according to the risk of different project, the interest rate that has differring dissimilation fixes a price; It is last bits to trade match reach management, want to put a valve through the bank, capital cannot pass platform, between facilitating borrower and lender trade, and settle accounts. The fixed position of message medium is right abide by the law closing is a benefit all the time for the high grade platform of compasses good, superior bad discard, remnant person for king, high grade platform is become surely thrive.
Coronal E connected the platform below Guan Qunchi gallopping banner to had finished Hengfeng bank financing to put a valve directly in January 2017, borrower, lend forms firewall between person and capital, capital puts a valve in borrower hand through the bank directly from lender, and not by platform; Of the same age on January 25, guan Qunchi gallops get be worth telegraphic business license (namely ICP card) ; Of the same age in March, the coronal E of Guan Qunchi gallopping operation connects the social estate of information system safety that acquires the Ministry of Public Security to issue to protect 3 class to put on record proof; Of the same age in May, guan Qunchi gallops hand in hand famous electron data conserves Inc. of attestation of orgnaization Beijing number (BJCA) , line electron signs an order on (namely contract data conserves function) , ensure the data security between lender and borrower is mixed but date from.
The 3rd: Encourage the commercial bank that P2P puts tubal business to use method of innovation of science and technology
" announcement " put forward, p2P network is leasehold the orgnaization should strengthen cooperation with the commercial bank that begins capital to put tubal business, urge a commercial bank in P2P network leasehold borrower opens an account, carry wait for link to use now " person face identifies " wait for advanced technique method to check check borrower identity information.
Coronal group unscramble: Ode of science and technology can propose form the core competition ability that platform wind controls
"Brush a face to pay " it is ode of science and technology can case of a of finance actual application. Be in partial bank, person face identifies a technology to already got adoption on ATM of ark face, intelligence, apply extensively at individual finance business, right open door in waiting for business setting, be in especially respect of mechanism of client identity attestation, already formed " couplet net is checked, person face identifies, differentiate artificially " mode. The science and technology such as computation of big data of have the aid of, cloud, artificial intelligence, the bank gets the financial condition case of borrower OK and truely, quickly, give a letter in order to achieve energy definitely.
Before the technology identifying to undertake essence of life allows to give a letter with person face in bank profit, below Guan Qunchi gallopping banner " Guan Junzheng is believed " also can pass LBS technology, OCR technology, identity identifying technology, number to sign technology of technology, one key access, mobile equipment manages technology and mobile end to all move interactive technology in real time (, get a target to enterprise and the true real number that legal entity represents are occupied and make full use of, collect orgnaization, grading orgnaization to reach collaboration with the famous data inside course of study, get through data, promotion asks for the authenticity that believes a report, dependability, guarantee the benefit of lender thereby.
As superintend upgrade ceaselessly, concerned branch is being restrained around user interest safeguard, platform management, borrower wait for many respects, strengthen the management that shifts an industry to the net further. But outside force should rely on internal cause ability to produce effect truly after all, coronal group will answer association of Chinese Internet banking actively to put forward about be on guard dummy loan project, ill will cheats borrowed appeal, stand fast combine compasses bottom line, strengthen while ego is restrained, the wind that also raises oneself hard controls safe system, ensure the legitimate rights and interests of lender, promote a trade jointly benign development.
