P2P Financial Regulation Tends To Be Clear Entry Threshold And Capital Custody Concerns.

< p > < strong > the regulation of < /strong > a href= "http://www.91se91.com" > strong > P2P > /strong > /a > strong is gradually becoming clearer.

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< p > recently, the closed door Seminar on Internet financial risk prevention was held in Beijing.

Regulators have focused on P2P's "basic conditions" and "settling funds". At the same time, the judiciary has also noticed the legal definition of similar pool business.

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< p > the basic conditions of the so-called P2P business are some thresholds, which may include wind control capability, top management team with financial experience, and product design in line with the existing legal requirements.

And fund precipitation should not be on the platform's own bank account, and the interest will be charged. In the future, it will be supervised by the bank's credible organization.

Many participants pointed out.

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< p > aiming at the "preferred financial planning" mode, Wang Bo, a love investment CEO, told reporters that this mode is still controversial because of the imperfect industry process, which needs to be identified by regulators.

At present, regulators have been discussing whether this mode is operable.

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< p > < strong > entry threshold and fund trust concern. < /strong > /p >

< p > since this year, the main body of P2P supervision has been clear, and the relevant rules are also being studied and promoted. Among them, P2P business access threshold and fund trusteeship have become the focus of discussion in the industry.

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< p > reporter has learned that Jiang Zeshen, director general of the integrated supervision and Coordination Department of the China Banking Regulatory Commission recently pointed out that the biggest consensus of P2P is to call for the emergence of a rule. In the process of formulating this rule, the P2P industry has to answer 5 questions: "what is the basis for making a P2P business?" < /p >

< p > (foreign requirements require appropriate capital, risk management capabilities, background executives, etc.) "if it is unavoidable to form customer capital deposits, where are they going to be large and large? Who will manage them? What information does it allow investors to know where and where the funds are located?"

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< p > "personal understanding of the so-called basic conditions is the threshold, that is, what kind of company, what kind of conditions do you have to do this P2P business, and have corresponding requirements for the company's qualifications, senior executives and so on."

Wang Bo pointed out.

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Guo Yuhang, P CEO, also told reporters that the basic conditions of P2P business include: necessary operating capital, good wind control, experienced top management team, strong technical foundation and platform, and product design should comply with the existing laws and regulations.

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< p > for the problem of fund precipitation, Wang Bo told reporters that the net loan platform is bound to show capital accumulation. The industry hopes that the agencies with credibility will do fund supervision. For example, banks can do this thing best, but the banks are more cautious about P2P capital trusteeship.

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< p > "as long as there is an account system where the problem of settling funds will be involved, the paction mode of P2P is a matching paction. In order to ensure the success rate and matching efficiency of matching pactions, there must be enough funds to match the project amount.

This requires customers to set up a trusteeship account in the bank and correspond to the customer's virtual accounts on the website.

E micro loan CEO Lu Chao Tao also pointed out.

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< p > < strong > the industry claims that regulators should consider multiple models < /strong > /p >

"P >" with the rapid development of the P2P industry, many platforms launch the "preferred financial planning" business model, but this model is controversial because of the existence of the mismatch of time limit and the "a href=" "http://www.91se91.com/news/index_cj.asp" > capital < /a >.

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< p > the so-called optimal financial plan refers to some platform's bidding plans based on the existing credit products of the investment platform, such as institutional guarantee, field certification standards, etc.

The funds added to the financial plan will give priority to the funds of ordinary users of the platform, and give priority investment to the platform products according to the principle of dispersed investment under the plan.

The income generated by the investment target can be automatically extracted or refunded with the principal part of the monthly payment.

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< p > "some financial products require that the individual investors who join the plan need to pfer funds to the third party payment platform during the subscription period, and the funds have been locked in the third party payment company's account during the period of the financial planning, which is necessary for further research if it is convenient for individual investors to be suspected of illegally absorbing public deposits."

Nie Jianhua, deputy director of the procuratorate of the Supreme People's Procuratorate, pointed out at the closed meeting.

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< p > Wang Bo also believes that the current business model is still uncertain from the regulatory and market level, and needs to be identified by regulators.

Generally speaking, this model has a good intention, hoping to give investors a better user experience.

But there is some controversy in the process, because at some point, investors first give money to the platform, although some platforms ensure that all the money is invested in second days, but no matter how long it stops, it involves the user who gets the money first, but does not generate any loan contracts and legal requirements until the money is released.

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< p > Guo Yuhang told reporters that some platforms for optimizing financial planning have been making adjustments, and whether the pool of funds can not be generalized.

Mainly looking at two joint points, one is whether the information of the borrower is more clear when investing, and the two is whether the investment decision is ultimately done by the platform or the investors.

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< p > it is noteworthy that the chief executive officer Dong Jun of the participating building blocks box also expressed the anxiety of the P2P industry: first, there are various formats in the P2P industry, it is very difficult to understand all people's play; secondly, some companies with fraud have spoiled the reputation of the industry; third, some platforms frequently run away, but because of the speculative psychology of investors, they believe in the rigid payment myth.

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< p > Dong Jun suggested that < a href= "http://www.91se91.com" > regulatory level < /a > we should give full consideration to P2P's various formats and listen to the views of the industry more widely; encourage banks and financial institutions to control the P2P's financial management more effectively through capital custody so as to guide P2P to the right track; to control false propaganda problems, to disclose risks and to cultivate investors' risk awareness.

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