P2P Pong Bank behind the unknown secret

Insufficient credibility of their own, keep running news of the P2P industry, recently seems to have found a Pong Pong Pian Bank - Ping An. Recently, a number of P2P companies have announced high profile, signed a fund custody business with Ping An Bank. However, cooperation from the Southern Metropolis Press cooperation agreement, Ping An Bank is actually the cooperation of the P2P platform for the deposit of funds rather than hosting. The word difference, but a far cry. "Regulatory, custodial to go all out, depository will not." Guangdong and Ping An Bank has signed a financial services cooperation agreement P2P platform stakeholders told reporters Southern. As for this cooperation, Ping An Bank has always said that it is just doing P2P depository business.

However, other people who did not wish to be named disclosed that the CBRC department has asked Ping An Bank about the matter and may prompt Ping An Bank to further emphasize the bank's exemption clause in its cooperation with P2P.

Steal the concept of promotion "hosting"

Recently, a number of P2P companies successively announced the signing of a financial service cooperation agreement with Ping An Bank, of which the most valued by the industry is that Ping An Bank will provide fund custody business for the contracted P2P platform. However, Southern reporter learned from the industry, in a number of platforms announced the cooperation with Ping An Bank, the Banking Regulatory Department has been on the matter and Ping An Bank inquiries.

"Many platforms have been announced that the cooperation with Ping An Bank involves fund custody, and some even said that fund supervision is in fact a concept change." The above-mentioned contracted P2P platform stakeholders told reporters that in fact, most The cooperation between the platform and Ping An Bank is the capital depository business. The word difference, but a far cry. "Regulatory, custody to go all out, deposit unnecessary." The platform leader said.

The P2P platform for fund custody mainly involves two levels, the first level is the risk reserve fund custody, and the other is the comprehensive depository and management of the funds on both sides of the P2P platform. According to a number of news releases that have been released on the peer-to-peer platform signed by Ping An Bank, the major cooperation seems to have gone deep into the full trusteeship of funds. However, according to the contents of the agreements reached by the reporters from relevant channels, the content of the cooperation is that what the fund cooperation wrote is "depository" rather than the platform's externally declared custody business.

Pursuant to the agreement reached by Nandu, Ping An Bank will provide P2P platform and its users with third-party depository services for network lending funds, including the realization of separate management and risk isolation of their own funds accounts and capital custody aggregation accounts, and the realization of Platform risk reserves (risk reserves, risk deposits, etc.) account management and depository and other content.

"The cooperation has realized the separation of information flow and capital flow of P2P platform and solved the problem that the platform should not touch the capital." A responsible person of the platform that has signed the financial cooperation agreement with Ping An Bank told reporters in the southern capital that in the absence of third-party funds Before depository intervention, the platform for the flow of funds is generally, investors first into the platform account funds.

Common modes of operation include placing funds directly into a platform or a personal account of a worker on a bank card, or through third-party recharging, but as a result of third-party recharging, funds are also credited directly to the platform. "Regardless of the model, platforms have the potential to divert funds from investors, and now this funding model is mainly to solve this problem." The platform leader said.

P2P mind: Let the bank by letter

Southern reporter learned from the industry, there are already more than 20 platforms and Ping An Bank signed a depository business. However, in fact, as early as Ping An Bank started before, third-party payment companies have already preempted P2P depository market. The remittance earlier entered the world which has started the business last year. Yesterday, remittance world accepted Southern reporter interview said that at present the cooperation of P2P platform has more than 100.

"Ping An Bank depository principle and remittance in the world are similar in principle." Guangzhou, one at the same time and remittance to the rest of the world have negotiated P2P general manager told Southern Reporter, Ping An Bank's current system is not yet on the line, but From the road shows the situation, and remitted to the world similar.

"However, we are even more keen to secure cooperation with Ping An Bank." The director of the above platform told reporters from South China that Ping An Bank stressed during the road show that the safe process customer experience will be smoother than that of third-party payment companies. However, this is not the place where the platform is most appealing. For the platform, what they are more fancy is that the bank as depository will provide more credit and endorsement for P2P in the current industry.

Shenzhen, a peer-to-peer P2P platform also told reporters on the South, the comparison price, Ping An Bank charges third-party payment companies to provide the same service costs increased by at least 20%, but many platforms are willing to pay the money, is fancy Bank Increasing the letter of effect.

It is worth pondering that in this cooperation between Ping An Bank and P2P, although the relevant system is not yet available, most of the platforms are announced by Ping An Bank with a high-profile announcement after Ping An Bank signed an agreement, while Ping An Bank has been unspoken about this business. "Peace requires that we can not publicize." Responsible brand leaders of P2P platforms that signed agreements with PingAn told reporters on the South that after they finalized the cooperation with Ping An Bank, they originally planned to launch a large-scale publicity campaign, but eventually they were called Ping'an Stop the relevant publicity.

So whether banks provide third-party fund custody, it means that the funds are safe? In this regard, Shenzhen net loan platform all Ju Cai CEO in accepting Southern Reporters said that this largely reduces the possibility of the platform to meet the funds, but the only risk is that Ping An Bank can not every borrower One by one audit, can not verify the authenticity of P2P loan projects, which means that the possibility of fraud still exist.

Banking regulatory authorities guard against risks

Southern reporter learned from a number of industry platforms, many commercial banks have also fancy P2P deposit this piece of cake, but not yet the actual action. Even Ping An Bank, which already operates, is relatively cautious in customer selection. "It must be relatively large in the industry, but also has a certain reputation, and peace will not cooperate with the new platform." One has not yet signed a cooperation agreement with the PAB and the person in charge of the platform mentioned in an interview, Ping An Bank, the company involved in the system Selection threshold is high, but also need to receive a higher amount of risk margin.

In response, Xu North, a researcher with Guangdong Institute of Internet Finance, told reporters on the South that despite the fact that Ping An Bank did not provide a financial regulatory system, the various platforms, once peacefully cooperated, would hype their cooperation with Ping An Bank to gain further access Customer's trust. In other words, Ping choose which cooperation, the outside world is the interpretation of peace which P2P institutions cast vote of confidence, once the risk of these platforms, then it will inevitably affect the credibility of peace. Xu North to South reporter disclosed that, formally because of this, in the P2P platform announced a high profile cooperation with Ping An Bank, the banking supervision department is very vigilant about this inquiry is expected to Ping An Bank and various platforms to re-develop the content of cooperation on the bank The exemption clause is further highlighted and clear. Written: Southern Reporter Chen Ying

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The new platform by letter Bypass accounting firm

The high threshold of bank deposit makes the new P2P platform access hopeless. Southern reporter learned from the industry, at present, in order to emphasize the reliability of the flow of platform funds, many new platforms through a variety of ways to achieve a breakthrough, eliminating the distrust of investors. The Shun Shun Loan P2P platform, which launched just last month, recently adopted a partnership with an accounting firm to clarify the platform's funding changes from the Qing daily. Southern Reporters learned from the cooperation between the two sides that the accounting firm turned over the list of amounts and verified the total amount through obtaining the platform online (including online bank and Guo Bao) and offline top-up list, and at the same time, Pay records, check the online and offline top-up records with the corresponding collection records of bank-specific accounts; monitor the fund flow of the platform by checking the records of full-scale transfer amount and the corresponding payment records of bank-specific accounts.