25 first silver-colored advancing nets borrow platform to put a valve " Bai Ming is odd " still have 52 " not pass a barrier "
Late on September 20, countrywide Internet finance registers exposure to serve platform (association of Chinese Internet banking) those who publish 25 banks such as bank of merchant of bank of Beijing bank, the people's livelihood, action to release " about individual network leasehold capital puts tubal system to state through evaluation " , the net borrows platform and net to borrow lender to expect white list of long already the bank that put a valve to be announced formally. In addition, still have 52 banks existence system is unqualified wait for a problem, did not pass this evaluation.
"White list of first the bank that put a valve comes on stage, conduce to platform be being finished on schedule check oneself work from correct, put on record to further normative trade is rectified and reform and drive a net to borrow provided a basis " , open Xin to borrow general manager Bao Jianfu is being accepted " negotiable securities daily " when the reporter is interviewed, express. He points out, last year Feburary, silver-colored inspect is met print and distribute " leasehold capital puts the network tubal business is how-to " , but in be being carried out actually, industry " the holiday puts a valve " , " without giving thought to,put only " still exist, sheet of this second Bai Ming also is to pass what evaluation will promote bank system to rectify and reform, be helpful for improving user experience, build a firewall truly, the capital that protects investor is safe.
Money of target implementation fine drives out bad money
Other application bank is being rectified and reform actively
According to evaluating white list to show, first bank putting a valve that passes evaluation includes big talk to combine bank of farming merchant bank, new network, Hengfeng bank, on city of guest of bank of merchant of Rao Yinhang, short for Zhejiang Province, appropriate bank of commercial bank, Xiamen, Hua Ruiyin.
From above list can see, afore-mentioned banks have big commercial bank already, also have burgeoning Internet bank, still have medium or small city trading company, covered current bank category basically. As we have learned, the evaluation that put a valve is according to " the announcement that about developing a network leasehold capital puts a canal to evaluate the work " (the net borrows punish to do case 〔 2017 〕 49) working arrangement, according to " leasehold capital puts the network tubal business is how-to " (silver-colored inspect does send 201721) wait for superintendency requirement and association of Chinese Internet banking to release carry out " Internet finance is individual leasehold capital puts the network tubal business is normative " (T/NIFA 3-2017) , " Internet finance is individual the network is leasehold capital puts a valve, association of Chinese Internet banking organizes leasehold to applying for a network capital to put a canal to evaluate working commercial bank to carry out evaluation.
To putting a valve evaluation works, personage of know the inside story is opposite " negotiable securities daily " the reporter expresses, the evaluation that put a valve works according to " standard unified, quality is preferential, objective just, be practical and realistic " the principle is begun in order, the purpose is to promote the bank that put a valve to close compasses begin the professional work that put a valve, solve " put a valve jointly " , " the part puts a valve " , " put and without giving thought to " wait for a problem, implementation " fine money drives out bad money " target. The bank that evaluates through putting a valve begins the professional work that put a valve, can be on guard effectively platform is violated compasses the venture that establishs capital pool, contented superintendency branch is in to borrower single platform and the superintendency that straddle platform financing limit ask, protect the legitimate rights and interests of investor and borrower better.
"Up to now, more than 70 bank applies for to evaluate to association, already passed evaluation orgnaization at present more than 20, other bank is being rectified and reform actively at present, will disclose information of the bank that put a valve in time according to the fundamental that announces through. " disclose according to personage of this know the inside story, at present application evaluates a bank to advancing evaluation actively to work, more than nearly 20 orgnaization already completed evaluation the 2nd round, in undertaking actively rectifying and reform at present. After Bencitong evaluates a bank to finish information to announce too, the basis evaluates flow and progress situation, follow-up association will according to " eligible one the home, exposure " principle, the organization undertakes through the commercial bank of evaluation leasehold capital puts the network in time the exposure that provides pertinent information.
25 banks receive 414 platform
Still having a share among them is problem platform
360 statistic data indicates thaw, up to on September 21, 2018, the network that shares 815 normal operation borrows bank of the line on platform to put a valve. 25 white list that publish this receive 414 platform in all, occupy on 50.79% what line fund bank puts tubal platform gross. And whole industry has platform of 1190 normal operation at present, mean at present only the bank that the line on the platform of 34.79% accords with a requirement puts a valve.
Up to on September 21, 2018, share 77 banks to begin capital to put tubal business, and this white list shows only at present 25 platform pass evaluation. This also is meant, still have 52 banks existence system is unqualified wait for a problem. Jiangxi bank, Hua Xingyin still includes to wait all right in the bank that did not evaluate through this receive the bank with platform more amount, if two afore-mentioned banks are received,be 73 respectively into platform amount, 64.
Those who deserve attention is, although 25 banks pass this evaluation, but the net that among them still partial bank is received borrows platform to appear carry now difficult, run the problem such as the road. Accordingly, the platform that the net borrows platform lender to cannot think the bank that passes evaluation is received as before with respect to hundred safety, the line accords with the capital of the requirement to put tubal bank on is platform takes the requirement that put on record.
"Needing those who warn investor is a bank putting a valve is platform adds up to a mark of compasses to match only, the bank that put a valve is not assumed trade risk, incorrect net is borrowed trade behavior undertakes assuring. Investor chooses platform, the most important the wind that still should read platform controls capacity " , bao builds rich say, undertake putting tubal cooperative platform to showing the bank besides level and white list, can use the time that go to make adjust. Perhaps urge the bank that put a valve to attend association evaluation actively, adjust the bank that put a valve in time perhaps, if the business before platform, flow that put a valve is more normative, switch puts tubal bank program to also should be met more successful.
Be in harmony 360 analysts Lv Jiaqi thinks, the bank that did not pass evaluation at present basically is temporary because of systematic issue did not pass evaluation, believe to want a bank to cooperate a system actively to rectify and reform only, also can have the 2nd batch of opportunities that pass evaluation next. 360 nets borrow be in harmony grade group also discovers through survey, many platform or choice change the bank that put a valve will receive put on record, probably to partial platform character, wait to go up with its the bank putting a valve of the line passes evaluation, be inferior to changing first the bank that accords with a requirement, leave after all December 30, 2018 check oneself end day of time that has 3 many months only. Liu Qi of reporter of negotiable securities daily
