Peer-to-peer industry to promote the real name, the network of false transactions is not uncontrollable

"With the general acceptance of the industry, there is no dispute as to the borrower's identity card and name in the contract, and we want to be an example of a contract text specification," he said. Yang Yifu, the founding partner of everyone's loan, said in an interview with the first financial daily.

In May this year, Renren issued an announcement that, in order to further enhance the transparency of information on borrowing transactions, since May 10, 2013, all loans will be in the loan agreement model to increase the borrower's real name and ID number. At present, Peer-to-peer agencies to sign a loan contract is more common, standardize the borrower to the real name of the contract, will undoubtedly promote Peer-to-peer industry's name.

A line of people in the industry to this reporter said that in the Peer-to-peer industry in the early stages of development, in order to attract customers, peer-to-peer institutions will be for investors and borrowers privacy protection, use the net name to sign a loan agreement. However, with the development of the industry, investors and borrowers may face some disputes, and the use of the net name of the loan contract in the acquisition of evidence of certification will be more trouble. If the borrower uses the real name to sign the contract, will increase the transparency of the transaction.

Du Xiaoshan, chairman of the National Microfinance Federation, said in an interview with the reporter that Peer-to-peer agencies use the real name of the borrower to sign a loan contract, which is a good exploration. On the one hand, legal identification can be more accurate when disputes arise and, on the other hand, can prevent borrowers from "excessive indebtedness" due to repeated borrowing. At the same time, also can eliminate the institution or the individual false transaction.

Eliminate false trading

"At the beginning of the company, we used the net name to sign the contract mainly to protect the privacy of clients, so that the public can better accept the Internet loan industry." Yang Yifu said, but after a peer-to-peer industry more than a year of rapid development, more and more institutions have seen some opportunities in the industry, in the context of the lower threshold also has more and more institutions to enter, forming a mixed situation.

Shenzhen, a peer-to-peer company in charge of the "first financial daily" said that some peer-to-peer agencies in the early stages of development in order to scale, to show their scale strength, will be "looking for a" way to fictitious the borrower's information, to carry out transactions. Another aspect, mainly is the borrower's own fictitious information, malicious fraud loan funds.

"There are a lot of reasons why there is a false trade now." Institutional fictional transactions are less likely to be affected if they are not fraudulent, but a malicious fictional transaction by a borrower may pose a risk to investors. "The Peer-to-peer agency responsible said," now the borrower to malicious fictitious transactions impossible, only peer-to-peer company itself to improve information recognition capabilities, more wind control measures. ”

Yang Yifu said that everyone loans to implement the borrower's real-name is mainly based on two aspects: first, in the case of borrowing disputes, investors to litigation can be more direct; the second is the real name of the borrower, can be to a certain extent, to eliminate false transactions. "For example, the business side pioneering capacity is not strong, will be fictitious some transactions, I think this has become a constraint on the development of the industry is a big problem." ”

However, the current difficulty for peer-to-peer lenders and borrowers to achieve real-name real-name companies is that both sides want their privacy protected. The above-mentioned peer-to-peer institutions in charge of this newspaper said, now to achieve the real name of the borrower is more difficult, mainly borrowers do not want to, but Peer-to-peer agencies and borrowers signed a name of the confidentiality agreement to grasp the borrower's true information.

A financial lawyer told the reporter that the current borrower through the network signed the loan agreement, if it can be proved that the borrower and the net user is the same person, this loan agreement has the force of law. However, if there is a dispute, the lender will need to pass a lot of evidence to prove that the borrower and the signing of the agreement of the users of the network is the same person, forensics would take more time.

According to Yang Yifu, before the borrower used the net name to sign a loan agreement, the site will have the user's operation record, will confirm the user's IP, and prove that the user is to operate their own loans, and agreed to the terms of the loan. But if the borrower uses the real name and has the ID number, the dispute will help the investor's complaint more directly.

According to a first-quarter performance data issued by everyone, the company audited 4003 loans in the first quarter of 2013, with loans approved at 200 million yuan, up 367% from a year earlier. 2012 all year, the volume of people's loans for 354 million yuan, an increase of 803%, a turnover of 5075 pens.

real name to advance

With the expansion of peer-to-peer institutions, many of the problems in the industry will be placed under the microscope of the market.

"The real-name loan contract is only one of the problems of Peer-to-peer industry development, but in the absence of supervision, the industry to strengthen self-discipline, some work to make some good standard samples, the development of the industry is advantageous." "Du Xiaoshan said.

According to Rong Xin Wealth CEO Wu Xianyong introduced, at present the Peer-to-peer agency also began to standardize the contract. It is understood that the loan is different from all the credit is the financial norms of the investors and borrowers to achieve "one by one corresponding" aspect, the implementation of the real-name investors. At present, a lot of text to take the party a number of investors corresponding to party B a borrower, Wu Xianyong told our correspondent, Rong letter wealth is now the standard contract text is an investor corresponding to multiple borrowers, the real-name certification of investors.

"If a borrower uses a net name, it is difficult for a peer-to-peer organization to judge whether the borrower will have a ' repeat loan ' problem, because borrowers can register on multiple peer-to-peer platforms to ask for a loan, which could result in borrowers ' excessive indebtedness." "Du Xiaoshan thinks.

Wu Xianyong said that the current borrower is not willing to real name, in the national personal credit system is far from perfect, can not eliminate the borrower's "excessive indebtedness." In fact, the current peer-to-peer can not intervene in the central bank credit system, since the establishment of credit data is limited to existing users, so it is difficult to judge whether borrowers "excessive debt".

"The Peer-to-peer industry is a real-name trend, but we're not going to be able to get the borrower to use the actual names and IDs in the loan agreement, and then we'll look at the transparency of the borrower's information." "Wu Xianyong said.