NET loan is experiencing "seven years of Itch"

[Abstract] The rapid development of net loan industry is still a trend. As of the end of November this year, China's Peer-to-peer network loans operating platform has reached 1540, the total volume is expected to exceed 250 billion yuan a year. However, the problems of frequent platform event, increasing risk and serious lag of supervision are also being exposed, which leads to the controversy that the net loan industry should continue to develop and develop in the beginning. To tell the truth, the network loan business development to today, and then discuss should not develop, is too outdated, conservative. Because, to peer-to-peer as the core of the network loan business, is extending to both ends, looking for the network finance and real financial effective convergence of channels, such as the real business to small loans companies, guarantee companies, pawn companies to take responsibility, and the front-end does not rule out a new change, even the bank to provide support for its results. Under such circumstances, the regulation of net loan business becomes the most important and urgent work. However, this is precisely the most important and urgent work, so far there is no standardized regulatory system, there is no unified regulation, in addition to a number of regional Internet financial guidance, management, in addition to a number of principled statements, symbolic requirements, Has not really been able to the network loan business to play a binding and normative role of the specific measures and methods. Therefore, the net loan industry is still in unrestrained state, still can not effectively avoid the occurrence of various problems. It is worth noting that, in addition to private capital, the state-owned capital, financial capital, securities market is also fully brewing, ready to enter the net loan industry. In particular, local state-owned capital and financial capital, in order to find new development road, are ready to enter the network loan business. This will undoubtedly make the network loan industry into a new development platform, into a new stage of development. However, the most challenging is how to grasp the supervision, how to ensure that the net loan industry no longer more problems, how to ensure that the net credit industry into a healthy development track. Since the development of net loan industry is an immutable trend, we should actively and positively guide and promote its development so that it does not deviate from the correct development track. If there is a serious problem from the initial stage, deviating from the right track of development, the development of the industry will have a very adverse impact, will seriously damage the social image and credibility of the industry. This is precisely the most likely problem for the development of many industries in China and the most easily overlooked. On the regulatory issue, it seems that there is a common problem, that is, the habit of the chaos Dadahi. In other words, few industries and departments can move the regulatory work ahead, or can be synchronized with the industry development. NET loan industry has been born a full seven years, rapid development, various types of problems frequently outbreak, but the regulatory system has been slow to keep pace. We cannot help asking whether the relevant regulatory system and methods will be introduced if the net loan business appears to have serious problems such as social fund-raising. Can the regulatory system be traded at a heavy price? Some people may say that, because the net loan industry is an emerging industry, what will happen to the problem, the regulatory layer is not, so,The relevant regulatory regime is also very difficult to be born. However, apart from the characteristics of the Internet, is not the characteristics of the financial industry? Combining the characteristics of the Internet with the characteristics of the financial industry, integrating the possible problems of the two types of business into the relevant systems and methods, can not effectively make up for the contradiction of inadequate supervision? Even if there are loopholes, it can be made up at any time, why wait until the outbreak of contradictions, the emergence of a large number of problems to take remedial measures? As the financial industry, insurance, securities industry are constantly increasing innovation, but generally speaking, the development of the net loan industry does not constitute a threat. In other words, the rapid development of net loan industry is still a trend. If regulation doesn't keep pace, it's really dangerous. Eliminate the net loan industry seven years of itching, there is no better way, is to increase supervision, improve the regulatory system, improve the regulatory system to ensure that the network loan industry does not appear a large number of fraud, running and other aspects of the problem. Tan Haojun (Jiangsu staff)