The near future, occurrence exceed the time limit of platform of loan of much home Internet, run the problem such as the road, exposed new financial venture hidden trouble, had hit to us be on guard battle of financial venture assault fortified positions raises taller requirement, also had done financing of small small company for financial orgnaization service, fulfil monetary policy to conducted the relevant policy measure such as the mechanism to bring a challenge.
What the net borrows platform genesis to be in our country at mobile terminal is extensive gain ground, and the bitter fleabane break out of Internet banking industry is exhibited, its fixed position is orgnaization of financial message medium, for folk leasehold financial service provides pertinent information. Go a few years, the net borrows an industry to be in service substance economy, individual is leasehold domain of finance of benefit waiting for general produced certain effect.
And in be being operated actually, a few do not have big data to analyse ability and the platform that innovation of financial science and technology does not reach the designated position, to gain reputation of client, platform, turn over message medium put through credit intermediary, protect manage orgnaization and hock travel to wait for kind of financial orgnaization collaboration with a few finance company, commerce, formed the capital pool that dimensions differs, not only be suspected of from be in harmony, return what propose the state energetically to break rigid cash, carry out the conceit of the person that buy, person that sell to have duty invest what concept of conduct financial transactions abandons to disregard, make originally message medium mutation is credit intermediary, occurrence project exceed the time limit, not with exposure " Laolai " , promotion wind accuses ability to be personal duty, try with own reserves instead " filling cavity " , accumulated bigger risk finally.
" top people court about trying statute of comfortable use of civilian leasehold case the regulation of a certain number of problems " already clear folk's leasehold law provision, and although phyletic and various, label emerges in endlessly,the finance that place of Internet finance platform provides serves, but its also belong to financial business constitutionally, since be financial service, want to bring into superintendency limits, break the law manage must get legal sanction. If a few platform lend loan message medium the orgnaization, make Pang fraud greatly or collect money to be sucked bilk, illegally store, play Karate, be about severe blow, to its ill will is exited, roll money runnings road, smoke escape the behavior try sb such as capital, punish severely do not borrow.
Be known according to me, national network borrows check of register with the proper authorities to receive detailed rules to be about to allot to each district, on this foundation, be borrowed to put on record by the net that industry height pays close attention to all the time detailed rules also be vividly portrayed, these policy will lay next solid foundations to be superintended lawfully next. It is setting with this, I offer the following proposals.
Above all, borrow an industry to expose exposed risk through near future net, finance is superintended should insist to be on guard the risk is first job, should be on guard the net borrows a risk to regard as be on guard the first battle of systematization banking venture, rise ceaselessly be on guard risk ability and level, in head battle is obtained get the better of completely.
The 2nd, accelerate construction of system of credit of our country finance, perfect people bank imposes letter system, complement ceaselessly and perfect the content that credit place wants.
The 3rd, ceaseless summary is chased after escape debt mechanism and method, each ministries and commissions and local government should form working resultant force, the working dominant position of linkage leaves on cogent play.
The 4th, research builds debt risk to deal with joint meeting system, comprise by gold firm appoint the working orgnaization that falls with Central Bank leader, research is specific buy, annex and recombine method, by the program the newspaper is approved, dissolve a net to shift platform risk.
The 5th, hold water commercialize a net to borrow a risk to ensure fund, the net borrows an orgnaization to need to ensure fund according to regular standard pay, the risk that shifts the market appear for prospective net provides safeguard. (committee member of the Chinese People's Political Consultative Conference of author department whole nation, former China protects inspect to meet a vice-chairman)
The article comes from people the Chinese People's Political Consultative Conference to declare
