"Put the enterprise into a cage": Stand by or 韬晦?

Over the past 8 years, Peer-to-peer network lending has greatly promoted the development of China's finance, Internet and other related industries and industries. When the "Pu-hui finance" from the concept into reality, when the network borrowing from abroad into the country, peer-to-peer business in China's 8 years, from the static water turned into a monstrous wave of 8 years, but also affect China's small and medium-sized enterprises and individuals investment and financing market development of 8 years. Over the past 8 years, Peer-to-peer network lending has greatly promoted the development of China's finance, Internet and other related industries and industries. November 3, Lenovo officially announced the holding of wing lung loans, November 13, the second China Internet Finance Conference branch of China's Peer-to-peer leaders meeting held, the Peer-to-peer market to the climax. Peer-to-peer is no longer a sign of high-end finance, but a feast for the whole nation. When other Peer-to-peer enterprises to accelerate the race enclosure, easy access to credit as a mature investor preferred Peer-to-peer platform but silently work, choose low-key development path. Yi Tong Loan (www.etongdai.com) was established in March 2011, the registered capital of 100 million yuan, ranked the top three in the industry. Since its inception witnessed the Chinese Internet finance from the calm to the rise of the waves of the process, but the company itself and the market has formed a sharp contrast. As a more mature peer-to-peer network lending platform, the easy access loan has always been adhering to the business rigorous, product compliance, customer care three characteristics, to build their own Internet financial ecology. Combination of production and integration-the enterprise business within the industry and most of the Internet financial platform "broad" direction of investment, easy to borrow borrowers appear relatively "narrow". Easy-access loans in the domestic first production and integration model Peer-to-peer platform, will be the borrower to lock the domestic new energy, environmental protection, cultural and creative, medical technology and other emerging industries in high-quality small and medium-sized enterprises. All of these projects have physical collateral, plus the easy access loan with a number of authoritative guarantee company cooperation, wind control center professionals on the project due diligence, in the borrower or investment projects in the wind control can be more robust. Through the "drainage" of the platform project, the investor's capital is directed to the quality enterprise that needs the fund, at this end of the peer-to-peer to these enterprises timely delivery of "blood" to help these emerging industry development, strengthen the stickiness of these high-quality enterprises, while the other side of the Peer-to-peer also guarantees the safety of investors, and can achieve relatively high returns To enhance the stickiness of investors. In this way, in the peer-to-peer lending both sides meet the needs of both parties, effectively enhance the user's stickiness, to help pave the way for the future development of the platform. Three red lines--delineation of product design and operation of feasible domains when the market is feverish, most companies choose to hire quickly or take money aggressively, emphasizing volume and overall layout. and easy to borrow through the "law, business, funds flow" three line compliance frame enterprise feasible area, so that business increasingly constrained. Whether it is a borrower, an investor or a platform, compliance must be the most important issue. Yi Tong Loan CEO Kang said: "Only the initiative to shut ourselves in the cage, in order to let investors have confidence in the platform and confidence in the Peer-to-peer." "From May 10 toOn the 12th, the first "Tsinghua Five" global Financial Forum, all the guests said that internet finance needs to strengthen supervision, against unregulated "financial innovation." In this respect, easy to lend approval. At present, there is no threshold for peer-to-peer industry, no industry standards, no supervision of the "three-no" state of need to be cracked, regulatory and easy access to such practitioners need to work together. Therefore, the easy-access loan issued "Beijing Yi Tong Loan Network Technology Co., Ltd. self-regulation system" (hereinafter referred to as the "self-regulatory system"), the first in the domestic clear self-discipline, creating the industry precedent. "Self-discipline system" is a set of regulations on the operation and management of the system according to the relevant laws and regulations of the State. The system covers the company's operating continuity requirements, personnel appointment and removal qualifications, operating conditions, operating norms, wind control, information disclosure, platform customer rights and interests protection, credit reporting, industry supervision and other aspects of the content. On the transparency of the platform, it is an important basis for the security and legality of the platform to make a bold disclosure of the information (including the flow of capital, the turnaround period, the progress of the project, etc.) which has never been published before in the traditional financial industry. Some people say that internet finance = financial core + Internet technology and spirit, "open" is an important aspect of the spirit of the Internet. Internet financial platform based on Internet technology, openness and transparency is of course the focus of investors. But the disclosure of the platform's internal information is also related to the borrower's privacy protection, the need to actively disclose information platform for discretion. July 2014, in the 2014 Peer-to-peer platform Law and wind Control Research Forum, has always been low-key easy access to the release of the "Information Disclosure System", the industry, the market, the media are all askance. The regulatory layer has repeatedly stressed the importance of information disclosure, emphasizing the nature of Peer-to-peer platform pure information intermediary, can not do credit intermediary. Easy-access loans to people first, in the country more than 2000 Peer-to-peer platform, the first step out of the disclosure of information to form a complete system and release. The information platform is divided into six levels, the audit of the project and wind control into seven categories, summed up a total of 80. The information involved in these 80 items will be different for the object, disclosed on the basis of information security, classify the transaction process, establish the management norms and systems, and make use of manuals to promote the standardization of the industry. The "key" to the customer 2013 years hundreds of Peer-to-peer platform to run, to investors caused huge economic losses and panic. While strengthening the supervision of the industry, should the Peer-to-peer platform itself take measures to protect investors ' rights and interests? Establishment of Investor Protection Committee: To strengthen the protection of investors ' rights and interests to launch the establishment of the investor cooperative advocacy organizations, for the National initiative. The Committee is composed of investor representatives and platform staff. Through the establishment of the Statutes of the Commission and the regular scheduling of meetings, not only can the information disclosure of the easy access loan supervision, the Investor Protection Fund supervision, but also in time to understand the investors ' opinions and suggestions, to know the investment demand of investors and so on, so that the Committee becomes easy to access the platform and customers to strengthen the link between the window and link, Help to strengthen the use of sticky investors. SolidStep-Self vs. bide your attention, through legal supervision, focus on emerging industries, the first information disclosure to oneself casting a solid "cage", and the "cage" key to the customer. See other platforms or a night high-rise, or suddenly the building leaning, easy to lend quietly in the "cage" to build their own, focus on the development of their own advantage products. With the trend of Internet financial regulation, on the one hand, this "cage" limits the development direction of the easy-access loans, making many other areas of quality projects difficult to show on this platform; On the other hand, the special tillage in the emerging industry has given the advantage of the easy access loan in this respect, becoming the leading of the emerging industry net loan. There will inevitably be a contradiction: the initiative to put themselves into the "cage", in the end is to imprison the development of their own or to bide their time? Government regulation will become an inevitable trend, but also a common call for future mature industries. Let the market savage growth, not in line with market rules, but also bring great security risks. A lot of platform illegal operation, illegal operation not only investors ' interests can not be guaranteed, more likely to become illegal transfer of interest or the flow of funds, the final "bad currency to expel good currency", so that the market becomes pathological market. As the industry's first and only one to set up the Investor Protection Committee of Peer-to-peer Network Lending enterprises, the easy-access loan has always thought that the quality of the project is a platform to develop the momentum, but stable and sticky investors is the source of platform financing. Only the protection of investors ' rights and interests, stabilize the relationship between customers and the platform to establish long-term effective cooperation. Now Peer-to-peer investors are becoming more mature, and they are more concerned about the security of money and information than the higher returns. Peer-to-peer market itself is a kind of venture capital, investors urgently need to understand the use of their investment, the operation of the investors, platform security and other investor confidence and other information. The daily supervision will absorb the customers, open the channel of the Investor's information communication, establish the investor's rights and Interests Protection Committee to strengthen the investor's information, and also embody the spirit of "opening, cooperation and win wins" in the Internet era. The job of finance is regulation. To security, sound for the development of the concept, the move also for the internet financial industry, a new round of "security trend" to provide direction, its "safe, stable" will also become the future industry maturity of the important goal. Under the macroscopic supervision of the Government, enterprises should pay attention to the organization or mechanism of protecting the interests of investors in order to achieve healthy and sustainable development, improve the investor protection mechanism, realize the openness, fairness and transparency of the Fund information, supervise the operation of the platform to ensure the safety of the clients ' funds and safeguard the legitimate rights As an important strategic target for the development of Internet financial enterprises, it absorbs more potential customers. The future takes the customer capital security as the base, the platform business compliance as the bottom line, the deep industry market, creates the safe confidence platform will become the Internet financial enterprise development inevitable trend, also is the enterprise comprehensive competition strength and the market mature symbol and the important embodiment. This can promote the benign development of the industry.