2014P2P platform law and wind Control Research Forum reshape Network loan industry development pattern

2014 Peer-to-peer Platform Law and wind Control Research Forum was held in Beijing July 18 afternoon. The forum is sponsored by the "Legal Person" magazine, Beijing Yi Tong Loan Network Technology Co., Ltd. (hereinafter referred to as "easy to Borrow") in collaboration. The executive editor of the "legal person" magazine, Mr. Rangaven, attended the forum and made an opening speech, Professor Liu Shaojun, director of the Centre for Financial Law Studies, vice president of the Bank of China Law Research Institute, Professor of law School of Central University of Nationalities, professor of Internet Finance, Deng Jianpeng, Internet finance thousand people will execute Mr. Caikerong, a researcher of the Wall Street branch, the Internet Financial center of the International Financial Forum, and a lawyer from Dacheng law firm, the chief legal advisor of China Internet Integrity Alliance, and the co-organizer of the forum, the chief operating officer of Yi Tong, and Mr. Kang, attended and discussed deeply. Beijing Yi Tong Loan Network Technology Co., Ltd. Information Disclosure system is also officially released on the forum and launched. The forum gathered domestic heavyweight law experts, senior wind control experts, senior analysts, high-end media and investors representatives, and around the current Peer-to-peer network loan platform in the law and wind control of the hot issues of in-depth discussions. In this forum, people from all walks of life in China Peer-to-peer Network loan industry problems in the relocation and in-depth diagnosis, for the development of Peer-to-peer network loan industry in China, has a very realistic guiding significance. "Jungle Law" under the network loan industry Direction Peer-to-peer Network loan industry from the beginning of the market, there is no entry threshold, no industry standards, no regulatory agency of the "three No problem", this and the net credit industry before the "jungle law" is not unrelated. "Jungle Law" refers to natural selection, survival of the fittest and the law of the jungle. In the internet age, this law has been further embraced and followed, the network loan industry is no exception, but also caused the industry earlier barbaric growth, chaos and endless situation. Although some network loan investors in this environment gradually grasp some financial management knowledge, investment also tends to rational, but the industry's overall adjustment is imperative. Dacheng law firm lawyer, China Internet Integrity Alliance chief legal Adviser Shaw said, follow the credo of "Jungle law", the net loan practitioner also must improve the information disclosure, arrange the open day, establish the communication channel, use the third party platform and so on to establish a more reasonable industry system, thus guide the whole network loan industry development direction. Soft regulation and thickness of peer-to-peer network loan Industry The emergence of the Internet financial industry, which is characterized by trans-domain, challenges the basic pattern of the traditional financial industry's separation and supervision, but also exposes some problems. How to effectively monitor the Peer-to-peer network loan industry has become a challenging issue in front of the regulatory level. Liu Shaojun, director of the Financial Law Research Center, said that China's separate supervision system is based on "institutional supervision" as the basic guiding ideology of design, from the 1992 SFC set up to 1998 CIRC established, and then to April 2003, the CBRC was established, China's financial supervision of the "troika" all in place. But for the Internet goldThe regulation of Peer-to-peer Network loan industry, Professor Deng Jianpeng, deputy editor-in-chief of Internet finance, a professor of law school at the Central University of Nationalities, suggested that Peer-to-peer network lending should be governed by soft law, tending to flexible regulation--first, through enterprise standards, information disclosure, industry self-discipline, and the development of industry norms, based on the implementation of soft law supervision. "This mode of supervision of the five-year period, the first five years should be coarse and not fine, five years after the fine should not be coarse," he said that this regulatory mechanism on the network loan industry's benign operation and system norms optimization will have great benefits. What is the meaning of "information disclosure"? The information disclosure specification of Peer-to-peer Industry Network loan Platform is one of the important topics in this forum. Beijing Yi Tong Loan Network Technology Co., Ltd. chief operating officer Kang said in his speech, "Network loan industry information disclosure work is very important, most people will think that this is the interests of investors, but need to clarify that legal, normative information disclosure is not simply, directly to the network loan platform and the borrower information presented to the public, this is a misunderstanding; Peer-to-peer Network loan Platform as a financial intermediary, while safeguarding the interests of investors, but also need to balance the protection of the borrower's privacy. Therefore, the Peer-to-peer Network loan Platform Information disclosure should be done ' something is not. ' What people disclose, what part of information to disclose ... All these must be audited by a third party accounting firm or law firm before they can be disclosed or publicized. "This view of the Kang is recognized by the participants, who agree that information disclosure is important, but the implementation method is more important." Subsequently, the ease of access to the public for the first release of the "Beijing Yi Tong Loan Network Technology Co., Ltd. Information Disclosure System", and with the guests to open the initiation ceremony. Easy to borrow is currently the industry's first information disclosure system, and implementation of Peer-to-peer network lending platform, easy to pass the loan also hope that through these self-discipline and standardized measures to guide the industry into a benign development track. The development of Internet finance is the general trend, Peer-to-peer Network loan industry forward the wheel is also unstoppable, the current China Peer-to-peer network loan Industry's overall development is still at a lower level, most of the business platform does not touch the financial core, the industry faced with the law and the risk of wind control more than enough. Under this situation, the 2014 Peer-to-peer platform law and the Wind Control Research Forum's successful organization has the epoch-making significance. Easy-access loans to seize the Peer-to-peer network loan industry opportunities, with all sectors of the industry about development burst of thought Sparks, will be the future Peer-to-peer network loan industry to contribute to the development of expensive. "On the Journal of Legal Person", "legal person" magazine by the legal Daily, is the only domestic economic law news magazine. "Legal person" magazine to the Industrial and commercial enterprises of the main stream target audience groups, aimed at helping the vast number of industrial and commercial enterprise to create a legal risk firewall, to provide a legal, economic, business community opinion leaders of the authoritative platform. "On the Easy Access Loan" (www.etongdai.com) is China's leading Internet investment and financing platform, by Beijing Yi Tong Loan Network Technology Co., Ltd. is responsible for the construction and operation, was founded in March 2011, registered capitalKim 100 million yuan. Easy-access loans in the domestic initiative to combine the mode of production and integration, focusing on new energy, environmental protection, cultural creativity and medical technology and other industries, and through with the third party microfinance companies, third-party guarantee companies, law groups, banking institutions, the acquisition of credit companies and other means, for investors and financing needs of enterprises to build an efficient and secure docking platform.