2017-12-01 achieves Ga of each other gold formerly
"Shift business considering cash more complex, involve orgnaization principal part a lot of, next, relevant section wants on the base that shifts business punish in cash of early days P2P according to scanty an union, principle that administer thoroughly, multibarrel falls together, administer integratedly. " on December 1, held that day " bulletin of job of key of meeting near future meets silver-colored inspect " on, feng Yan of vice director of ministry of finance of meeting general benefit shows silver-colored watch publicly.
Among them, in orgnaization level basically be from network of correct an error small borrow, cash of behavior of collaboration of orgnaization of the normative finance that hold a card, perfect P2P shifts business, and blow is banned blame hold a card to put borrow 4 dimension such as the orgnaization to spend have a standard.
Meanwhile, direct according to the problem principle, with the form of negative detailed list, superintend in business level main from reduce high interest cost, blow is undeserved urge close, forbidden bull is leasehold, raise in order to borrow borrow, tall lever and strengthen the respect such as client information protection to have a standard.
On December 1 evening, punish of each other gold does and P2P punish does combination to allot " about rectifying " cash is borrowed " the announcement of business " (next weighing " announcement " ) . " announcement " say, did not obtain management business to put lawfully lend intelligence, any organizations and individual must not be managed put shift business.
To this, yi Da is installed in Guangzhou Internet is small Xu Bei of general manager of loan limited company looks, shift business in the light of cash, superintend from capital and license plate two respects undertake surrounding blocking up.
"Before this, bank have the aid of a few ' aid borrow ' the orgnaization pours fund to each ' cash is borrowed ' platform, nowadays, this one road also gives be blocked up dead. " Xu Bei says. "Next, can do through the P2P platform capital that put on record ' cash is borrowed ' , but can oneself are done, cannot help fund of other orgnaization collect, this also will accelerate the conformity of P2P platform, because license plate amount is so much also. At the appointed time, estimate to also be controlled with respect to 200 inside countrywide limits. Estimate to also be controlled with respect to 200 inside countrywide limits..
" announcement " emphasize, banking finance orgnaization must not put the orgnaization fund that borrows business aptitude to extend to not have with any forms loan, must not with without put the orgnaization that lends business intelligence collective and contributive extend loan.
Be not the orgnaization that hold a card to be faced with ban
That day, feng Yan introduced to borrow the 7 big principles that punish works to cash mainly:
The first, the requirement extends the main body of loan must hold is put shift business relevant license plate, borrow business and orgnaization to be being put illegally without what pass sanction, want to undertake be hit severely and be banninged.
The 2nd, of all kinds orgnaization is mixed with interest rate the form of all sorts of charge, to the integrated capital cost of borrower collection, should abide by top people court strictly to set about folk's leasehold interest rate, prohibit extending the loan that violates regulation of concerned interest rate.
The 3rd, of all kinds orgnaization perhaps entrusts tripartite orgnaization, must not carry force, threaten, affront, calumniatory, annoy wait for means to urge receive loan.
The 4th, of each district small borrow a company to superintend a branch to must not be approved newly establish a network small company, must not add newly batch small finance company crosses a province to begin small loan business, the orgnaization that measures to putting and business concentration have a standard, rectify. Relevant section is drafting a network small the executive plan that borrows company venture punish, farther fine chemical industry makes a demand.
The 5th, of all kinds orgnaization should abide by the principle that understands a client, protect the rights and interests of financial consumer adequately, must not borrower of cause of in any way is excessive raise debt, be immersed in debt crisis.
The 6th, of all kinds orgnaization ought to hold to careful management principle, comprehensive consideration credence is recorded really, in all the debt, influence that waits for an element false, strengthen a risk to prevent accuse.
The 7th, of all kinds orgnaization should strengthen the protection of client information, must not misuse client privacy information, do not get illegal deal, perhaps divulge client individual to get information.
Be aimed at on current market a lot of cash to shift a business is collaboration square, or partner square, or the circumstance of the license plate of hold of a company of investment, feng Yan emphasizes, did not put the orgnaization that borrows a qualification, cannot begin absolutely put those who shift business.
The net is borrowed aid borrow delimit " red line "
Be worth what carry is, below the case that superintendency layer stresses holding a card to manage, the industry is borrowed to still did not finish the circumstance that put on record to fall in the net, the network that develops cash to shift business partly borrows platform to will be pounded undoubtedly.
In addition, borrow to cash of exterior butt joint aid borrow platform the P2P net of relevant business borrows platform to look, its business mode also already was restricted. "Current, superintend do not hope the capital of traditional banking orgnaization enters cash to borrow through all sorts of channel. " Xu Bei expresses.
" announcement " emphasize, p2P net borrows platform to must not match capital of banking finance orgnaization to share P2P network leasehold, this is equal to pair of nets to borrow platform to aid borrowed business to delimit " red line " . In the meantime, " announcement " the requirement borrows platform to begin to P2P net " cash is borrowed " business undertakes clearing rectifying.
Occupy a not complete count that the net borrows additionally, at present 68 P2P net borrows platform to cash shifts business, it is normal to occupy P2P net to shift an industry about of operation platform amount 3.44% (up to by October 2017, p2P net shifts an industry amount of normal operation platform is 1975. )
P2P net borrows trade cash reserve in a bank clinch a deal gauge model was 789 million yuan only in January 2016, nearly 2 years time presents unilateral to rise, only in October 2017 month rises to twelve billion one hundred and twenty-two million yuan. Statistic is calculated, only in November 2017 (up to on November 23) only month cash is borrowed clinch a deal gauge model achieved ten billion one hundred and seven million yuan.
Among them, the platform of Beijing area includes phoenix finance, pignut numerous fortune of pot of workshop of conduct financial transactions of egg of rich, leasehold treasure, gold, finance, letter and big finance, foreign money, palm.
Guangdong area includes TCL finance, love respectively finance of this locality, big bumper harvest, join an age, add up to numerous E to borrow, gold accuses a net to borrow, will orange conduct financial transactions, quickly borrow etc.
Zhejiang area has finance of purse of city of 51 bearing, E, poplar, vessel to numerous gold of conduct financial transactions of money, monkey, person is taken respectively, virtuous Qian Bao, be filled with be filled with the platform such as conduct financial transactions, net having be in harmony.
To this, additionally the expert inside senior course of study also says, capital of orgnaization of the finance that hold a card flows into the word that cash borrows, be equal to asset of the deterioration outside will be being expressed directly to answer a watch. If lack a risk to be opposite,develop gentle commentate the word of the mechanism, in the bull that exterior sex brings inextricability Internet excessive and leasehold, leasehold, high interest turns borrow the circumstance that waits for a problem to fall, to managing the capital fund of card finance orgnaization end will be in the risk is quickened to accumulate while enlarge is expressed.
In addition, " announcement " requirement, banking finance orgnaization and collaboration of tripartite orgnaization begin loan professional work, not will give letter is examined, the bag outside the core business such as risk control.
"Aid borrow " business ought to return to source, banking finance orgnaization must not be accepted without assure the tripartite orgnaization of aptitude offers the service that add a letter and acceptance of reveal all the details to wait covert the service that add a letter, should ask and assure tripartite Cooperation Agency to must not be expended to borrower collection breath.
