On October 30, association of Guangzhou Internet banking is released " the announcement that about beginning Guangdong to save P2P network self-discipline of orgnaization of leasehold message medium checks " , announce to start pair of Guangdong to save (outside dividing Shenzhen) the self-discipline that is referred from the net that checks a report to borrow an orgnaization before October 10 checks the work.
So far, on north wide deep 4 earth mat borrow an orgnaization to already was finished entirely close compasses check oneself, enter self-discipline to check level in succession.
On north wide deep already finished close compasses check oneself
Beijing: Association of gold of Beijing each other held self-discipline to check the meeting that start on October 22, made public record be careful in one's conduct subsequently structure of censorial panel member, predict self-discipline checks time up to to November 30;
Shanghai: Already stopped to receive on September 30 check a report oneself, much home platform already got check at present or be among the examination;
Guangdong: Association of gold of Guangzhou each other issued an announcement on October 30, association of gold of Guangdong each other will take the lead the unit such as association of association of gold of associated Guangzhou each other, gold of Dongguan city each other establishs Guangdong to save P2P net to borrow orgnaization self-discipline to check a working group, open self-discipline checks working;
Shenzhen: Already stopped to receive on October 15 check a report oneself, self-discipline is checked will at be being finished before November 12, 2018. At present each platform is waiting to superintend the specific work that the branch checks about platform self-discipline to indicate.
Close compasses what is the key that put on record?
1, business closes compasses
Must satisfy small and dispersive principle, cannot appear big mark. Because big mark is individual loan amount is exorbitant, risk relatively concentration, drag in of occurrence exceed the time limit is wider, to platform, put in the hidden trouble from be in harmony.
Must not be engaged in violating compasses business and match leasehold beyond business. If campus is borrowed,violate compasses business, cash is borrowed, head pay borrow, the; other business such as net value mark if conduct financial transactions of fund, bank, gold makes trade of place, certificate endowment canal, safe or fiducial etc.
Do not allow to begin get offline business. Inn of the door below the line is restricted only risk management, allow inn of the door below existence line, but can begin information to collect only, check, after borrowing, dog, support the risk management business such as impawn management, this was complied with 3 farming, the need that the car borrows business to begin. But forbidden and online fall to begin capital end, asset to carry a product to publicize business with any forms.
Must father accuse business dimensions. Be in early in June 2017, the file asks the net borrows platform to want to be pressed stage by stage in business of compasses of the disagreement between whole change the date fall to 0, must not add disagreement compasses business newly. The platform that has business of compasses of the disagreement that put an amount that is to say does not allow to put on record.
2, operation closes compasses
Put on record must want to have 3 hardware configuration, the only to receiving Bai Ming bank that put a valve and implementation measures a bank to put a valve completely, have ICP license, information security system maintain 3 level, among them ICP licence
Need the ability after platform puts on record to apply for, so some platform had been not gotten have a reason.
Platform cannot be put in rock-bottom asset and product deadline fault to match, match a tool automatically to also must realize the pattern with bit righter place. High liquidity risk erupts during the deadline fault that P2P exists generally matchs a phenomenon to bring about Lei Chao, many platform topple accordingly. So deadline fault matchs is to rectify and reform a key, also include current among them, kind current product.
3, the letter is approved close compasses
Can release according to silver-colored on August 25, 2017 inspect " news of activity of business of orgnaization of leasehold message medium shows the network how-to " , include to put on record information, constituent information, information of examine and verify, project information shares 63 detailed rules inside.
Platform increases exposure of borrower project information, can raise rock-bottom asset diaphaneity not only, the option that also makes lender OK have his judges ability, only transparent operation ability wins the reliance of lender.
Close compasses what is the flow that put on record?
Basis P2P network is leasehold on August 17 office of group of leader of special repair work issues the risk " the announcement that about developing P2P network leasehold orgnaization adds up to compasses examination to work " , the net borrows an orgnaization to close compasses put on record have 3 move: The orgnaization is checked oneself, autonomic examination, administration is checked, stubble of 3 examination pressing is advanced, alternate nucleus check.
After 3 examinations end, each district punish does can undertake classified to the orgnaization. Basis " P2P network is leasehold special repair work carries out the risk plan " , after borrowing an orgnaization to be discriminated seriously to the net, superintendency branch can borrow the net the orgnaization to divide to close compasses kind, rectify and reform kind and ban kind.
Platform is in only be thought to close truly compasses kind, accord with message medium fixed position and of all kinds standard basically, after the operation that passes period of time examines, fang Keshen puts on record please. And rectify and reform to be being delimited kind, superintendency branch is met " instruct continue to rectify and reform or wash out conformity " .
As we have learned, the first batch puts on record platform also should be in the earliest 2019 first quarter or the 2nd quarter just can arise.
Did not refer from the platform that checks a report to meet how?
Media reports, refer from the platform that checks a report to be not worth 400 to superintendency branch at present, other many 1000 are not being referred from however in operation check the platform of the report or go out bureau. So, thing if really is the meeting such?
According to the net borrowed punish to do in December 2017 released " network of good about doing P2P is leasehold special punish rectifies and reform the risk the announcement that checks and accept the job " in the regulation is informed, the platform that holds water after August 24, 2016 and was not brought into the platform of special punish list, come true during this special punish without the predestined relationship put on record. But this does not mean them from now on with put on record do not have a predestined relationship, be no good during special punish, when there still is an opportunity after special punish ends.
Borrow practitioner to say according to some net, p2P platform did not hand in what check a report oneself now, do not have a qualification likely, perhaps dare not hand in, perhaps also do not want to hand in, of course some did not receive those who rectify and reform advice note at all, some did not join consortium, the way that refers repeatedly is done not have, can exit only.
Visible, the platform that does not have operation again to cannot putting on record, was not being referred from the result that checks a report can be only be bought or exit.
Wide report fortune: Greet joint compasses to check with all one's strength
Adding up to compasses examination is the first class major issue that at present the net lends platform. To wide report fortune, close compasses without bagatelle, the bottom line that its since platform lives, also be the future that platform develops.
Wide report fortune already checked a report oneself at was being referred to superintendency branch on September 30, finish the first phase to add up to compasses examination to work, with the action active hug is superintended.
The platform that serves as a dovish operation 3 years, wide report fortune stands fast message medium is substaintial, follow closely policy is oriented, answer superintendency call actively, advance quickly close compasses put on record process.
