A surge in demand for some banks to open peer-to-peer hosting business

Recently, "http://www.aliyun.com/zixun/aggregation/5254.html" > Daily economic news, the reporter learned that at present, some commercial banks are actively with some Peer-to-peer platform to discuss the matter of fund trusteeship.

"If the policy is clear that commercial banks, such as only assume liquidation responsibility, does not exist ' management ' responsibility, commercial banks will certainly be willing to do peer-to-peer hosting, and the current commercial banks do not dare to enter the reason is afraid of Peer-to-peer platform trouble." "Spare money Treasure CEO Wang Wenhui told reporters.

Letter and Rich CEO Wang Zhengyu that the Third-party payment agencies for Peer-to-peer set up a small account system, the realization of funds and accounts of a pair of the effective way of hosting.

Peer-to-peer fund-hosting demand surges

Wang Wenhui told reporters that they were in contact with a commercial bank to negotiate online hosting of the plan, and several banks before, but the commercial banks did not dare to do, mainly because the peer-to-peer business is too small, the bank worried about trouble.

However, some commercial banks have shown interest in Peer-to-peer hosting as local governments have increased their financial support for the Internet.

Wang Wenhui that, commercial banks currently do Peer-to-peer online hosting without power, online hosting by the head office or the headquarters authorized and Peer-to-peer Platform signed agreement, online hosting is to account access to the settlement system. However, because the Peer-to-peer platform funds through a two-link, the money treasure side want to negotiate with commercial banks different from the electricity dealer's settlement rate, separate open the Trusteeship system.

According to the reporter understands, at present, the Commercial bank provides the offline hosting plan for some Peer-to-peer platform, establishes the intermediary account, carries on the single account offline trusteeship, realizes the fund and the platform separation.

Wang Wenhui said that offline hosting is too inefficient for peer-to-peer to operate through the Internet, and commercial banks can provide offline hosting solutions, and the headquarters and Sub-branches can sign agreements with the platform. However, as far as he knows, there is no commercial bank for Peer-to-peer online hosting.

With the rapid growth of peer-to-peer platforms, the CBRC has made clear the principle that Peer-to-peer industries need third party capital regulation, and demand for peer-to-peer platforms has soared.

However, the current Peer-to-peer hosting is basically "monopolized" by third-party payment agencies. The world has announced that access to its Peer-to-peer hosting account system has exceeded 300 platforms.

Explore the establishment of a small account system

With the expansion of Peer-to-peer platform assets, many third-party payment agencies are involved in Peer-to-peer fund hosting, however, for the effectiveness of trusteeship, the industry views differ.

Prior to that, Fu, director of the Network Payment application Work Committee of the China Payments Clearing Association, said Peer-to-peer hosting needed to achieve customer funding and platform isolation, increase the cost of running the platform, and prevent and reduce running situations.

Fu told reporters that at present, the platform and customer funding isolation is not optimistic about the status quo.

"Peer-to-peer platform and funds isolation, can only say that a part of the platform has been achieved, most platforms have not yet been achieved, the constraints of platform funds isolation, on the one hand, the regulatory authorities to introduce laws and regulations, on the other hand, the industry self-discipline. "Fu said.

Wang Wenhui also revealed that the hosting of some third-party payment agencies is actually a large account of the platform is a small account of the client, the Merchant platform open large accounts and sub accounts, the account owner is the platform, recharge the money is a prepayment, the platform only in the Third-party payment agencies in the provision of money can be extracted customer funds, Does not realize the customer funds and platform completely isolation.

Wang Wenhui believes that true trusteeship lies in the complete isolation of client funds and platforms, and that any custodian is unlikely to secure the subject matter of the assets unless the charge is high.

Wang Zhengyu told reporters that Third-party payment agencies for Peer-to-peer to establish a "small account system", the realization of funds and accounts of a pair is an effective way of trusteeship, regulatory thinking also requires financial services institutions on the funds and claims separate, mandatory requirements for the regulation of the current funds, Financial institutions will also report to the CBRC the funds flowing through the managed Peer-to-peer platform. Remittance World Peer-to-peer Business related responsible person Zhong said, remit the world to the Peer-to-peer platform each account recharge and other transactions for real-time monitoring. At the same time, the cooperative platform will be regularly on each of the loan transactions for spot checks.