Bank Financing: Regulatory Trust Continues To Increase

The Internet financial information disclosure standard (Draft) announced at the seminar on Internet financial information disclosure standard requires P2P net loan platform to update at least 21 platform operation information every day.

This is also considered by analysts to be the most stringent information disclosure system in the industry.

In order to better protect the interests of investors,

The information disclosure will be further implemented. The CBRC will set up a banking financial management and Registration Center Limited in the near future. It will officially operate a good financial registration platform and implement the filming of financial products.

Data from Puyi wealth show that in 2015, the conservative estimate of the scale of bank financing will exceed 20 trillion.

In the process of continuous return, the scale of bank financing continued to rise.

Puyi wealth researcher Wei Jiyao believes that the underlying reason is still in the "rigid payment" under the hidden rules, bank financial products extremely high security.

Nevertheless, from the survey of journalists, it is not enough to know more about the investment direction and operation period of financial products purchased by banks at present.

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In terms of passive choice, it is believed that the expected rate of return offered by banks seems to be a more common phenomenon.

In fact, although the CBRC has issued a number of documents in recent years, it has standardized banks.

In particular, the notice issued by the general office of the China Banking Regulatory Commission (CBRC) on the operation of the national banking financial information registration system, issued in 2013, officially launched the banking financial information registration system, which has made a substantive step in standardizing the information disclosure of bank financial products.

But in the face of repeated orders from regulators, some banks still have a discount on execution.

According to Puyi wealth statistics, in the 3 quarter of 2015, nearly half of the banks included in the bank's financial ability ranking report disclosed the operation information of the products. However, there are still many banks failing to disclose the running announcement of any products in their operation period.

The bank recently released a report that, according to the continuous tracking results from 2015 to 2016, there is still a quality of bank information disclosure in the big state-owned banks. 6 banks in the joint-stock banks still have many problems.

Among them, information disclosure during product operation is still a weak link in information disclosure of financial products.

Of the 60 banks monitored by the bank rate network, 27 banks had no relevant information disclosure, accounting for nearly 50%. 21 banks disclosed only part of the product's operational information report, but the contents were relatively simple; only 11 banks disclosed the operation information report of all products.

At the same time, some banks' information disclosure still fluctuates greatly in the quarter, especially when the quality and quantity of operation information disclosure of some banks are good and bad.

"This reflects from one side that some banks need to further strengthen the management and internal control of financial services in order to maintain the continuity and consistency of information disclosure."

Wei Jiyao pointed out.

In the face of this situation, regulation will continue to be overweight.

According to media reports in January, in order to better protect the interests of investors, the information disclosure of financial products will be further implemented. The Banking Regulatory Commission will set up a banking financial trusteeship registration center in the near future to formally operate a good financial registration platform and put on record work for good financial products.