P2P network loan platform to mention different types of regulatory requirements

With the normalization of the phenomenon of domestic network loan platform running, the call for regulatory landing is much higher than before, and some market participants said in an interview with reporters that according to the current types of risk control on different platforms, different regulatory requirements should be adopted .

These people further elaborate to reporters, if you want to domestic network of credit platform for a broad classification, then from the credit point of view, can be divided into two categories. One is the platform itself has a risk reserve, one is focused on the project's own information disclosure and risk control. According to the actual situation, the performance of these two platforms in business development is completely different.

First, the second platform, the platform in the business development is more focused on the intermediary, their main job content is one of the financiers detailed information disclosure, while in the internal risk control for the project to increase credit measures are certain , For example, the platform of qian.jiedai.cn, they only attach importance to the collateral in the project selection, and must be the first-ranking creditor. At the same time, the borrower's detailed information will be posted on the website. After the completion of these tasks, by investors to decide whether to invest, this is the typical pure intermediary platform for such a platform, the design of regulatory policies should focus on specific specifications and requirements of information disclosure, is relatively simple Easy to do.

But the first type of platform is different, because they have a risk reserve, which in fact means that if a debt default occurs, the platform takes a part of (some or all) of the debt to investors This interest payment, which is actually a shift of risk credit, should have been borne by the financier to assume the credit responsibility, in this mode has become a platform to undertake. This gives the platform wind control ability, project introduction ability to put forward a huge test, and, fundamentally speaking, this kind of risk reserve is actually the operating profit of the platform, take your own profits to protect investors, which in fact And the platform itself to provide security has no difference. For such a platform, regulatory policies should be formulated in line with the current requirements of the banking industry, because essentially it has become a credit intermediary like a bank, then it naturally has to bear the corresponding obligations and responsibilities.