Chongfu CEO Sun Rei: Highly consistent with the central bank, looking for details

July 18, "on the promotion of the development of Internet financial health guidance" after the official introduction of the Internet finance a lot of big guy's unanimous praise, the response is very strong. In the evening News of Beijing Satellite TV, Chongfu founder and CEO Sun Rei also on the issue of opinion, received a reporter interview, and its views have been unanimously recognized by the industry.

1. The guiding opinion puts forward the general requirements of "encouraging innovation, preventing risks, avoiding harm, and developing healthily".

2. The guiding opinion will be in accordance with the general principles of "supervision by law, moderate supervision, classified supervision, coordinated supervision and innovation supervision".

3. "Internet finance" is defined and affirmed by the directive opinion, which is the main business form of internet finance, such as internet payment, Internet loan, equity crowdfunding, Internet Fund sale, internet insurance, Internet trust and internet consumer finance.

4, the directive opinion is clear the division of responsibilities: The People's Bank is responsible for the supervision and management of Internet payment business; The CBRC is responsible for the supervision and management of network lending, including individual network lending and network microfinance, and Internet trusts and internet consumer finance; CSRC is responsible for the supervision and management of equity crowdfunding and Internet fund sales The CIRC is responsible for the supervision and administration of Internet insurance.

5, the guidance of the third-party funds depository clear that must be regulated by the banking industry, rather than the third-party payment platform.

Sun Rei: A high level of agreement with the Central bank

Overall, the guiding opinion is of great significance to the healthy development of the whole industry, Chongfu founder and CEO Sun Rei said: "Chongfu always adhere to individual, point-to-point, small more than single, and the central bank's opinion is highly consistent. ”

First of all, Chongfu is a personal financial services for the Internet Information platform, in nearly 200 cities nationwide set up micro-financial Services Center, Platform for small micro-entrepreneurs, individual businesses, white-collar to provide credit loan information services for lenders to provide financial information services. At the same time, Chongfu is also a leading banking advisory body, providing banking consulting services including personal finance, small loans, network transformation, Community finance, business district finance, and more than 30 bank headquarters, 282 city branches, more than 10,000 branches and more than 30,000 account managers in China.

This is exactly the same as in the directive opinion, the individual network lending institutions should make clear the nature of information intermediary, mainly to provide information services for direct borrowing and lending by both parties, and not to provide credit enhancement services or illegally raise funds.

Second, Chongfu small micro-finance business has always focused on the internet, mobile internet and other channels to help small micro-entrepreneurs, individual businesses, consumer financial users to obtain micro-credit, which is also in the guidance of the explicit network micro-loan should "play the advantages of network lending, and strive to reduce customer financing costs" highly consistent.

Finally, Chongfu accumulated a set of audit risk, economic fluctuation risk, capital epidemic risk and other strict control of the bank-level wind control system, in the risk control and technical safety control and other aspects laid a solid foundation. Also fully comply with the guidance of the clear network and information security, Internet financial industry self-discipline and other regulations.

　Second, Sun Rei: Bank funds custody is the industry trend

In the guidance on promoting the healthy development of internet finance, it is also stipulated that "the institutions of practice should select the qualified banking financial institutions as the depository institutions to manage and supervise the clients ' funds." "In other words, the guidance is clear about the need for third-party funds to be regulated by the banking sector, not the third-party payment platform."

In this regard, Chongfu founder and CEO Sun Rei that, "from the perspective of the platform, banks in China is still the only way to ensure the security of deposits, the bank's money escrow is the real fund-hosting." This is also the industry trend. By allowing banks to fund their funds, platform investors will be more secure and more assured of investment decisions. ”

At the same time, Sun Rei also said, "peer-to industry and its representative of the Internet financial innovation, in the realization of small micro-client financial intermediation, wealth management customer asset value-added significance, but the industry itself is often plagued by negative news. The introduction of bank funds escrow, can fundamentally eliminate the occurrence of such behavior, for the development of the whole industry to create a better ecological circle, and then promote the benign development of the whole industry. ”

As early as February this year, Chongfu has signed a strategic cooperation agreement with China Minsheng Bank, which is known as "small Micro Bank" in Beijing, to carry out comprehensive strategic cooperation in capital entrusted management, fund settlement supervision and so on. At that time, China Minsheng Bank headquarters "Network transaction platform funds escrow system" has been run-in completed, and formally launched on-line, Chongfu also became the first batch of the industry to achieve substantial bank funds entrusted to the business of one of the peer platform.

Thus, Chongfu not only in the speech to support the ten ministries issued the "on promoting the development of Internet financial health guidance", but also early in action to carry out all the requirements and provisions of the directive opinion.

　Third, Sun Rei: Most look forward to the banking regulatory rules

For the ten ministries issued the "on promoting the development of Internet financial health guidance", Chongfu founder and CEO Sun Rei expressed positive affirmation and support attitude.

In action, Sun Rei said Chongfu had already registered capital increased to 200 million yuan in advance to prepare for regulatory filings. In addition to Chongfu, recently opened Xin Loan also announced the imminent increase to 200 million, everyone loans last year also increased to 100 million.

Psychologically, Sun Rei said the most look forward to the CBRC when the introduction of the rules, such as entry threshold record rules, to which some can not do the best can be clear, the supervision of the issue of the central bank credit can be connected to the letter? Or have time to anticipate? After the rule, the enterprise that the record passes, will be landed for Ann. At the same time Sun Rei also said, the first boots landed, the second Boots Silver supervision rules will be far?

Thus, Sun Rei for the upcoming CBRC rules is the most expected, which also represents all the Internet financial platform for the big guy and entrepreneurs to share the voice.

Overall, the ten ministries issued a joint "on promoting the development of Internet financial health guidance" to promote the healthy development of internet finance, clear regulatory responsibility, standardize the market order has a positive significance, and "guidance opinion" to encourage Internet financial innovation is the guiding ideology of all internet financial big guy unanimously praised , peer to finally have a mother, became the regular army, its spring also really began to come.

　　Liu Yan, Zen Road ponder Internet, public number: liukuang110

Chongfu CEO Sun Rei: Highly consistent with the central bank, looking for details