Countrywide net borrows punish to do the middle ten days of a month allotted in August " the announcement that about developing P2P network leasehold orgnaization adds up to compasses examination to work " , " orgnaization of leasehold message medium joins the network detailed list of compasses examination problem " hind, new the P2P net inside limits of round of whole nation is borrowed add up to compasses inspection repair to spreading out, at present and other places of Beijing, Shanghai, Sichuan has been started investigate the work oneself.
Data chart: Chinese silver protects inspect to meet. Xinhua News Agency " new China viewpoint " Li Yanxia of small gain reporter
"108 " detailed list blow puts on record new bugle
Began in May 2018, p2P net borrows an industry to enter new round risk is released period, appeared partial platform closes down, run road phenomenon.
According to statistic, in August 2016, p2P net borrows platform to count accumulative total to be 5868, be in 2882 of operation. Arrived in August 2018, p2P net borrows platform number to be 6388, operation 1589, fall into disuse rate more than 75% .
To this, the net borrows observation personage to say frankly, from August 4, 2016 " activity of business of orgnaization of leasehold message medium manages the network temporary measure " inside 2 years of time after allotting, set to policy " 13 red line and limitation " wait for a ban, some platform covert breakthrough loan limit, the hair big mark that covert, fractionation mark, increased the risk of the industry.
In August 2018 the middle ten days of a month, countrywide net borrows punish to do those who allot the whole nation to unite a standard " orgnaization of leasehold message medium joins the network detailed list of compasses examination problem " (next weighing " detailed list " ) .
Detailed list content includes to whether be oneself or covert for the oneself financing, risk information that whether discloses borrower adequately to lender, whether to hold to small and dispersive network leasehold principle add up to 36 big, 108 detailed rules, be by the abbreviation inside course of study " 108 " .
Before this, p2P net borrows platform to put on record experienced delay 2 times, this detailed list is opposite the 3rd times put on record lay off " line of life and death " , the P2P net with existent requirement borrows platform to should control oneself at be being finished by 2018 many rounds of examination such as examination, orgnaization examination, administration examination.
Borrow in net of a few P2P look from trade public figure, "In principle, if begin the platform that rectifies and reform by the requirement from August 2016, put on record pressure is not met very big. " 108 to it before " leasehold risk special punish rectifies and reform network of good about doing P2P the announcement that checks and accept the job " (57 article) the deviation that ask and does not have general orientation, whole did not break away from a net to borrow " 1+3 " superintendency frame.
The whole nation is unified join compasses examination line of action
Those who deserve attention is, countrywide net is borrowed rectify and reform do a requirement to be saved each (sheet of area, city, plan lists city) the net borrows punish to do in the orgnaization to check the foundation that checks with self-discipline oneself, the authenticity that choose machine reports content reachs data undertake administration is checked.
If discover existence content hides the truth from the circumstance such as newspaper, fail to report sth, practise fraud truthlessly, intentionally, want earnest bulletin, chase after accusatorial duty, borrow an orgnaization to execute to the net " one ticket is overruled make " .
"If you dare,practise fraud is superintended fish, want evaluation to have a piece of blackball only, what can undertake overall to you is negative. " the expert inside course of study thinks, one ticket is overruled make even if " one sword seals larynx " , opportunity once.
Review the past, superintendency branch altogether has allotted the net inside countrywide limits 2 times to borrow an industry to superintend a requirement:
On August 24, 2016 afternoon, former silver-colored inspect can be announced " activity of business of orgnaization of leasehold message medium manages the network temporary measure " (next weighing " temporary measure " ) , made 12 months transitional arrangement, in transfer period inside check oneself through adopting from correct, clear rectify, classification deals with wait for measure.
On December 8, 2017, countrywide net borrows punish to do allot " network of good about doing P2P is leasehold special punish rectifies and reform the risk the announcement that checks and accept the job " (57 article) , right next rectify and reform checked and accept level to make specific, detailed deploy.
After this, 20 province 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. Superintended a branch to ask the place suspends extending in April 2018 the net is borrowed put on record the detailed rules that register. Arrived August, superintendency branch announces 108.
Institute of finance of the Chinese Academy of Social Sciences law and Yin Zhentao of financial lab vice director think, the market competition issue of the change that studies around inspect management and generation of distinction of each district policy, superintend those who publish a whole nation to unite to put on record detailed rules, more significant still.
Zhang Xiexia also points out a senior researcher that the net borrows, this 108 examinations detailed list is more outstanding borrow to campus, cash is borrowed, gold hands in place to be urged collaboration, illegally receive the examination that waits for key domain to ask, unite from countrywide level join compasses examination line of action, avoided regional superintendency covers interest or excessive superintend.
And other places of Beijing, Shanghai starts P2P net to borrow an examination
According to superintendency requirement, platform puts on record after need passes autonomic examination, orgnaization examination, administration examination to wait for an examination many rounds, ability is finished put on record.
On August 29, association of Chinese Internet banking allots " leasehold member orgnaization checks P2P network oneself from correct problem detailed list " (next weighing " check detailed list oneself " ) , distinction lends 108 detailed account that punish handles at countrywide net, check detailed list altogether oneself 119, but general content is consistent.
Unit of member of requirement of association of each other gold is offerred include accountant office and attorney office to examine material to wait for 4 kinds big to examine data oneself, and fill in a form and submit it to the leadership up to the case that put volume business on August 31, 2018.
The reporter notices, at present each district is rolling out a net to borrow investigate the work oneself.
End by August, finance of bureau of Beijing banking job, Shanghai does, association of banking of Internet of association of banking of Internet of bureau of job of Sichuan province banking, Beijing, Shanghai announces to start P2P net to borrow platform to close compasses check oneself, the examination works.
-- Shanghai
Punish of gold of Shanghai each other does, the net borrows punish to do on August 28 to sit a meeting, net of the deploy P2P that start borrows an orgnaization to add up to compasses examination relevant job. Add up to compasses examination this to will borrow punish to do allotted detailed list place to involve 108 to be main content with national network.
-- Beijing
On August 24, bureau of Beijing banking job is released " P2P network is registered in Beijing about starting leasehold orgnaization informs from what investigate the work " point out, p2P network is started since this day leasehold orgnaization investigates the work oneself.
Subsequently, association of gold of Beijing each other is released " the announcement that about Beijing P2P network leasehold industry adds up to compasses self-discipline to check the work " express, association will come on September 10, 2018 during November 30, leasehold to Beijing P2P network orgnaization begins an industry to add up to compasses self-discipline examination.
According to announcement requirement, all networks that be registered in Beijing and extend course of study normally borrow an orgnaization to came on September 1 between September 30, at latest undertakes register and putting forward to control oneself checking application at association official net loginning before October 15.
-- Sichuan
On August 28, sichuan province starts P2P network formally leasehold orgnaization combines compasses inspection job. Sichuan saves financial job bureau to release announcement to say, add up to compasses examination cent to be checked oneself for the orgnaization, autonomic examination, administration checks 3 level, advance in order by measure, will finish before annual bottom nowadays. (Yao Lou)
