How much is how much money to do

Morning News (Reporter Jiang Fan) "P2P should not pool funds, transit funds and investors' funds must be managed by banks or third-party payment agencies, and P2P itself can not guarantee, and should not promise the proceeds of loan principal, nor Assume credit risk and liquidity risk, etc. "Recently, Wang Yanxiu, director of innovation department of China Banking Regulatory Commission, said at Sina Finance China Banking Development Forum. Many in the industry believe that the CBRC has outlined the P2P industry regulatory thinking.

Wang Yan Xiu made it clear that P2P industry should have a certain industry threshold, the platform itself can not provide investors with security. "Is how much money to do many things." Wang Yan Xiu said that there must be capital constraints, have a certain ability to control the wind, funds to be managed, can not pool funds on P2P institutions, it should be clearly defined as private lending intermediary Not a credit agency. P2P agencies are intermediary agencies that provide information services for small transactions between lenders and borrowers. They should not be financial intermediaries, trusted financial institutions, nor guarantee agencies. They should clearly define their business boundaries while cracking down on the use of P2P names Illegal fund raising behavior.

At present, all the P2P platforms basically have a guarantee system, but some are guarantee companies given to third parties, while others guarantee the platform itself. For example, all loans, the risk of the establishment of open credit risk fund, Ping Group, the introduction of land under the security of security. It is understood that at present Lu Jin has made it clear that it will cancel the guarantee. Lu Jin said the person in charge at the forum yesterday, initially P2P way to be better accepted by everyone, Lu Jin introduced a third party security, which is also a phased consideration, and now Lu Jin Su has been gradually canceled security.

The platform's own disclosure of information may be more stringent. Wang Yan Xiu said P2P platforms need to fully disclose the information, not only to disclose the platform management and operation of information, but also the need to disclose financing information, the necessary external audit to reveal the risk to investors. "For example, bank financial products need to carry out risk assessment, P2P platform should also conduct full risk assessment, the necessary investor education." Wang Yan Xiu said.

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Jiucheng P2P or will face difficulties

Morning News (Reporter Jiang Fan) Supervision is imminent, P2P industry will face a round of reshuffle? Zhang Jun, a pat-loan CEO, believes that more than 90% of P2P companies will die in the future, of which 70% will be eaten because they fail to meet the regulatory standards and 20% may be eliminated due to the market's own mechanism. In the future, a large platform capable of solving the risk control and cost problems well with some technical strength and strong regional attributes will be able to co-exist in the market with small but beautiful P2P.

Hu Xiaoming, chief risk officer at Ali Micro-Financial Services Group, also pointed out that in the next 12 to 18 months, a large number of P2P companies will usher in a crisis of survival.

P2P industry savage growth in recent years, at present there are nearly a thousand P2P platform. In the meantime, platforms are getting routed or shut down. According to the network credit day Eye Operations Center monitoring shows that in June up to 7 network of road network loans, although the number of flat with last month, but the first time in Beijing running platform to break the capital net credit industry is extremely safe, not There is a superstition of running platform.