Net loan red line draw clear 13 prohibited provisions-t6670

Net loan "red line" to draw 13 prohibitions from WeChat public, daily economic news (ID:nbdnews) according to the packing credit statistics, as of August 22nd, the national P2P net loan platform has reached 2321, the total number of platforms (including platform) is 5092, accounting for about 46% of the platform. Yesterday (August 24th), the CBRC, the Ministry of industry and information, the Ministry of public security and the state Internet Information Office jointly issued the Interim Measures for the management of business activities of online lending information intermediaries (hereinafter referred to as the "Interim Measures"). The "wild child", which has been discussed in the industry for a long time, has finally come to formal regulation. Daily economic news (micro signal: nbdnews) reporter noted that in addition to clear supervision by the CBRC and local finance office jointly responsible for the "dual responsibility system", which also clearly put forward the 13 prohibitions of net loans, equivalent to the net loan agency designated 13 can not touch the red line". 1. self financing or self financing for itself refers to the actual controller or related person of the platform, the funds raised through the platform, or for the development of their own enterprises, or other social projects for their own investment. The regulators have been emphasizing the ban on self financing. Previously, the net loan industry, including the eastern venture capital, net win the world and other cases are involved in self financing, the use of funds to control the industry, or squandered, resulting in loss of investors. 2., direct or indirect acceptance, imputation lenders capital simply speaking, that is, P2P platform can not encroach on funds. Therefore, the regulatory requirements of the platform must be capital depository and deposit, so that the lender’s funds through the line directly to the borrower’s hands. P2P platform can not do the pool of funds, you must allow funds and projects one by one correspondence. This also emphasizes the essence of P2P platform information intermediaries, not deposit organizations, can not absorb deposits, otherwise it may face illegal fund-raising problems. 3., it is risky for the lender to guarantee or promise to guarantee the guaranteed cost of investment. Investors must be aware of the risks in the P2P industry. 4. self or commissioned, authorized third party in the Internet, fixed telephone, mobile phone and other electronic channels outside the physical place to promote or promote financing projects, emphasizing P2P as the Internet of Internet banking property, can not carry out offline promotion and publicity activities. This for a lot of P2P net loan platform "lethality" huge. However, since last year, many platforms have been "reluctantly" closed offline stores. 5., granting loans, but otherwise stipulated by laws and regulations, P2P platform is an information intermediary, can not be their own loans, can only be brokered transactions, can not become a lender. 6., the deadline for financing projects can not be split, but also the regulators have been emphasized content. Prior to this, investors prefer short bid, but the borrowing period is often relatively long, many platforms in order to allow the circulation of funds for the demolition of the standard. For example, the 12 month period of the subject is split into a plurality of 3 month period, but the key problem in the beginning of the period has put out the money due for repayment of funds can only rely on raising funds to the late repayment of familiar? "Ponzi scheme" is also such a game. Once the funding chain problems, the platform will be faced with.

网贷“红线”划出 明确13条禁止性规定转自微信公众号 每日经济新闻(ID:nbdnews)据网贷天眼统计,截至8月22日,全国P2P网贷问题平台已达2321家,平台总数(含问题平台)为5092家,问题平台占比约46%。昨日(8月24日),银监会、工信部、公安部、国家互联网信息办公室联合发布了《网络借贷信息中介机构业务活动管理暂行办法》(以下简称《暂行办法》)。被业界讨论已久的“野孩子”终于迎来了正式的监管。每日经济新闻(微信号:nbdnews)记者注意到,除了明确监管将由银监会及各地金融办联合负责的“双负责制”以外,里面还明确提出了网贷的13条禁止性规定,相当于给网贷机构划了13条不能触碰的“红线”。1.为自身或变相为自身融资自融就是指平台实际控制人或关联人,通过平台募集来的资金,或用于自身企业的发展,或为自己所用投资其他社会项目。对于自融,监管层一直强调是禁止的。此前,网贷行业出了包括东方创投、网赢天下等案例都涉及自融,资金用到了控制人的产业,或者被挥霍掉,造成投资人的损失。2.直接或间接接受、归集出借人的资金简单而言,就是说P2P平台不能染指资金。所以,监管层要求平台必须做资金存管,让出借人的资金通过线上直接到借款人手上。P2P平台不能做资金池,必须让资金和项目一一对应。这也是强调P2P平台信息中介的本质,不是存款组织,不能吸收存款,否则可能面临非法集资的问题。3.向出借人提供担保或者承诺保本保息投资是有风险的,投资人必须清楚认识到P2P行业的风险问题。4.自行或委托、授权第三方在互联网、固定电话、移动电话等电子渠道以外的物理场所进行宣传或推介融资项目强调P2P作为互联网金融的互联网属性,不能开展线下的推广和宣传活动。这一条对于很多P2P网贷平台“杀伤力”巨大。不过,去年以来,已有很多平台陆续“忍痛”关闭了线下门店。5.发放贷款,但法律法规另有规定的除外P2P平台是信息中介,不能是自己发放贷款,只能撮合交易,不能自己成为放贷人。6.将融资项目的期限进行拆分不能拆标也是监管层一直在强调的内容。此前,投资人偏爱短标,但借款期限往往又比较长,不少平台为了让资金流通而进行拆标。比如,将12个月期限的标的拆成多个3个月期限,但问题的关键在期初已经将款项放出去,到期需要还款的资金只能靠后期筹集的资金来还款——眼熟吧?“庞氏骗局”也是这么玩的。一旦资金链出现问题,平台就面临风险。7.发售银行理财、券商资管、基金、保险或信托产品等金融产品强调网络借贷平台的属性,是属于借贷平台,不能涉及过多的金融业务。8.开展资产证券化业务或实现以打包资产、证券化资产、信托资产、基金份额等形式的债权转让行为债权转让就是将其他个人(或机构)手里的债权再拿到P2P平台上进行转让的行为。还是强调P2P的网络借贷属性,不是其他类资产的再融资的渠道。9.除法律法规和网络借贷有关监管规定允许外,与其他机构投资、代理销售、经纪等业务进行任何形式的混合、捆绑、代理P2P网络借贷的属性很明确,是借贷,借贷!不能随便“跨界”!10.故意虚构、夸大融资项目的真实性、收益前景,隐瞒融资项目的瑕疵及风险,以歧义性语言或其他欺骗性手段进行虚假片面宣传或促销等,捏造、散布虚假信息或不完整信息损害他人商业信誉,误导出借人或借款人因为强调P2P的风险要投资人自担,所以监管层在信息披露上也有非常严格的要求,严格的信披才能让投资人在投资的时候自行判断风险,真正做到风险自担。11.向借款用途为股票投资、场外配资、期货合约、结构化产品及其他衍生品等高风险的融资提供信息中介服务这一条说的就是类似去年“股灾”前大行其道的网络配资。P2P网络借贷一直强调的是支持小微企业发展或者个人消费等需求,而不是让投资者拿去放大杠杆做一些高风险的投资,所以P2P平台的股票配资一直是禁止的。但去年股票市场大热的时候,有的P2P平台推出的配资业务达到5倍左右,这么高的杠杆加大了投资人的损失。12.从事股权众筹、实物众筹等业务不能随便“跨界”!13.法律法规、网络借贷有关监管规定禁止的其他活动文章来源:“每日经济新闻”微信公众号,腾讯财经已取得授权,再次转载需得到原公众号授权。免责声明:本文来自腾讯新闻客户端自媒体,不代表腾讯新闻的观点和立场。相关的主题文章: