NET wins the world flameout, refraction industry behind the chaos and helplessness

Peer-to-peer network loan and stand up! Following the gold Rush loan, the excellent easy loan, the Aetna Outstanding Volume section to run off the incident, in the early August, "The net wins the world" flameout, completely stops all net loan business, the user exists in the account the investment money cannot take out, the situation was once tense. 15%, 18% or even more than 20% of the annual coupon is like a gorgeous halo, so many investors into Peer-to-peer network loans, but also to promote the rapid expansion of the industry. However, behind the bright, the whole system is fragile, the hidden danger of capital security is always the same. Large peer-to-peer companies are trying to "be managed", but the relationship between governments, banks and peer-to-peer sites remains aloof.

The lag of government supervision

Take away investors money, counterfeit virtual borrowers for their own platform financing, misappropriation of investor funds ... A mixed Peer-to-peer network loan industry crisis, not only let the outsiders scared, but also let the formal network loan enterprises frowned. Before the regulatory policy is pending, many companies have been disciplined to survive. A few days ago, China Microfinance Alliance issued the "Peer-to-peer Microfinance Information Advisory Service agencies industry self-discipline Convention", everyone loans, pat loans and other 55 Peer-to-peer agencies signed the Convention on Industry self-discipline.

According to the self-discipline Convention, the Peer-to-peer organization should achieve lawful compliance operation, put forward accurate risk index and strict fund management, so as to eliminate the three requirements of false creditor's rights, and put forward that peer-to-peer institutions should establish third party audit and third party legal supervision system, and form perfect Business Report and information Disclosure system.

"Now the government has no relevant regulatory measures, we can only rely on self-discipline." "Net Loan Enterprise insiders son min (alias) told the IT Times reporter, there are a few illegal enterprises drilled the system is not full of loopholes cheat, hit a peer-to-peer network loan signs, everyone is very angry." In fact, big companies want the country's regulatory policies to come out quickly, to standardize the industry, the problem of the net loan platform to clear out.

However, in the face of the new things such as Peer-to-peer network loans, the government departments of the regulatory system seems rather lag, a few days ago, by the central bank, the CBRC, the Securities and Futures Commission, the Ministry of Public Security, the law office and other seven ministries of the "Internet Financial Development and regulatory research group" has just begun The specific scheme is expected to be finalized by the end of the year. As for the Peer-to-peer Network loan financial business, there are no departments to clearly regulate this area, unless there is a major criminal case.

For the new regulation of Internet finance, Liu, deputy Governor of central Bank, has said that this is a worldwide problem, most people want to have regulation, but how to regulate, which department of supervision, but also need a lot of investigation and research. "Without perfect system regulation and regulation, Internet finance may soon become a savage growing monster by the speed of its development." ”

The bank has an ambiguous attitude

Regulatory policy has not moved, and tentative contacts between banks and peer-to-peer lending have begun. Red Ridge Venture Investment 2 years ago and ICBC Shenzhen Branch cooperation, the implementation of capital supervision by ICBC, established in Nanjing, the network loan platform opened Xin loans, by the State Bank of China opened a subsidiary of financial and Jiangsu Golden Agricultural Company jointly funded by the Bank of Communications, Nanjing Bank and other more than 10 financial institutions to establish a comprehensive cooperative relationship. Xin-kai loans are not directly to do the private lending business, but as intermediaries, for the financing and supply of both sides to build a information registration, credit rating, matchmaking services, such as information services platform.

"Peer-to-peer network loans should be done on the platform, can not be involved in the financing of lending transactions, but to help investors and borrowers matchmaking, so it is best to use securities such as third-party supervision of funds to ensure security." "Third-party platform net loan home owner Xu Hongwei told reporters, banking and network loan platform cooperation in fact, the bank although the fund is abundant, but the lack of sales channels, a bank network generally only a few customer managers, it is difficult to effectively cover the market, and the network loan platform just has this advantage, can become a bank distributor.

At the moment, however, banks are wary of peer-to-peer lending. "From the business point of view, Peer-to-peer network loans mainly for millions of dollars or even hundreds of thousands of yuan of business, and the banking business conflict is not small, the bank to consider more or risk problems." Xu Hongwei said, after all, now the net loan industry has been so much, and the state's regulatory regime for the industry has not been perfected, the licence has not yet been issued. To let a bank to audit the qualification and cooperation, they also play drums.