Peer-to-peer risk highlights, swaying forward

Recently, Peer-to-peer Network loan platform constantly running news, the risk is increasingly prominent, peer-to-peer industry in the controversy swaying in the difficult forward. Although regulators have been stressing the news that a regulatory regime will be introduced, the level of peer-to-peer popularity has remained undiminished. Even some big capitals are starting to join the fray.

China Merchants Bank, Minsheng Bank, National Development Bank , merchant bank , Huaxia Bank and so on recently have been killed in this field, which stirred a peer-to-peer chess game. At the same time, there are reports that state-owned capital, listed companies will be ready to dabble in Peer-to-peer network loans.

In essence, Peer-to-peer network lending is simply to move offline private lending to the network platform. Is born completely under the line grassroots level, the grass-roots nature is its essence. Compared with the traditional offline private loans, the progress lies in: Peer-to-peer network lending to borrowers to provide a public network platform, borrowing and lending both parties to make information more transparent, open, efficient and timely.

In a strict sense, peer-to-peer lending does not belong to the real meaning or standardization of internet finance. Because it does not have a long-term accumulation of customer production and operation of the whole, daily life activities, such as complete large data base, can not obtain the mining analysis of the credit status of both sides, so that the use of Internet financial instruments to accurately obtain credits to prevent financial risks in advance.

Peer-to-peer network lending in China is seriously alienated and distorted. This is the current Peer-to-peer network loan risk highlighted, the root cause of the continuous run. Peer-to-peer Net Loan original attribute can only be to lend both sides to provide information, build an intermediary platform just. Now it has become a peer-to-peer network loan platform itself to provide security collateral, or even peer-to-peer network lending platform itself to absorb funds, engage in capital pools, and then make their own loans. has been suspected of illegally absorbing deposits, illegally raising funds and illegally engaging in bank credit operations. The key is that the financial risks behind brewing are huge.

Banks, as financial institutions operating financial business, especially deposit and loan, payment and settlement, and intermediate business of financial products, are the mainstream enterprises of social financial transactions, especially deposit and loan. Absorb the funds of deposits, grant loans to help customers manage the intermediary business of financial management, everything, is the compliance of the legal, justly to carry out business. Why should "six fingers tickle, more so a son" to engage in the grassroots financial properties of Peer-to-peer network loans? Own hands with ready-made, complete financial means do not try to make good use, and to engage in Peer-to-peer network loans this almost suspected usury tools? Is it not a setback for banks to participate in private lending?

Banks need to speed up the pace of internal mechanism reform, especially by revising the rules of the loan system that seriously deviate from the level of economic development and the demands of financial counterparties. Wholeheartedly support the real economic entity enterprises credit demand, to achieve the social, corporate and bank benefits of the three-win results. Rather than the disease nasty disorderly desperately, to engage in Peer-to-peer network loans "crooked".

If banks want to get involved in internet finance, they should start from the basics. Or as the construction Bank, do a good job similar to "business-friendly" electric business platform, the accumulation of financial counterparty data, engaged in the real Internet financial business, this is the general trend, all banks must face and take this step. or with E-commerce platform enterprises, such as the recent 7 banks and Alibaba () a platform to cooperate to export small and medium-sized enterprises loans. Develop their own Internet financial business with the help of big data from internet companies.

State-owned capital involved in Peer-to-peer network loans is completely unreliable, listed companies or directly create a Peer-to-peer network loan platform is not a decent business. The root cause is the strong listed companies "not bad money." For listed companies, whether it is a two-tier market or a bank loan, there is almost no demand, too lenient, and a financing, almost laissez-faire to use. This is listed companies are keen to make "money and money" business Foundation.

Banks, state-owned capital and listed companies are involved in Peer-to-peer network loans, which will greatly raise the financing cost of the whole society, aggravate the financing difficulties of small and medium-sized enterprises, aggravate the whole economic and financial risks and disturb the financial order of mainland China.

Must adhere to the Peer-to-peer network lending Platform Grass fundamentals, the formal financial benefits complement the auxiliary nature. At the same time, the regulatory authorities should introduce Peer-to-peer network loan platform regulation, which prohibits banks, state-owned capital and listed companies from dabbling in Peer-to-peer network loans should become one of the important regulatory content.

Yufung (renowned financial and financial commentators)