August 24 waited half a year loan regulation of P2P network the network of credit information agency interim measures for the management of operational activities (evaluation version), has finally appeared. Approach is most noticeable in the borrowing ceiling of:
Borrowing the same natural person in the same network platform of information agency outstanding loan ceiling of no more than RMB 200,000 yuan in different platforms borrowing balance of no more than RMB 1 million; the same legal person or other organization lending the same network platform of information agency outstanding loan ceiling of no more than RMB 1 million Yuan, borrowing on a different platform balance is never more than 5 million Yuan.
Commission is of the view that borrowing is complementary to traditional financial networks, the amount should be dominated by small.
The borrowing limit to multi platform, must also involve information sharing. Information sharing by making P2P platforms can help P2P agencies learn more about credit, preventing fraud, excessive debt, such as credit risk of the borrower. This is a good thing for improving asset quality. iPhone Vans case
But the embarrassment was, the domestic credit system is not perfect, and commercial banks can borrow from the Central Bank credit system Gets or the guarantor of the credit information, current P2P loans could not be included in the bank credit system of the platform, they feel in control.
In January of this year, led by Central Bank payment clearing Association formally launched the Internet financial risk information sharing system, the first P2P agencies access system with 13, including building blocks, appropriate letter in the box, all loans, Red Ridge ventures, Pat loan, and rich. Is compared to the Super 2000 P2P platform, sharing information is insufficient. Vans iPhone cover
However, the limit does not have room to negotiate.
Mutual credit network CEO Lei Feng Zhu Jianguo told the network, "regulators obviously, just do not want to positive net credit and conventional financial PK, does not want the inherent financial landscape was broken. "Net lending industry the way forward must be" small decentralized. "
But, although the obvious benefits of information sharing, but must be a tough process, one question is who should bear the responsibility of verifying?
Su Ning Xue Hongyan told of Lei feng, a senior researcher of the Institute of Finance Network (search for "Lei feng's network", public interest), new article 12th, the borrower shall perform "providing all credit information agency outstanding loan information" obligations. Platform provides exemption pursuant to this section in the future, it also has little impetus for information exchange between the platform and.
"Clearly requires the borrower to provide the outstanding loan on the other platform information, set provide the feasibility of landing for the borrowing limit. Exchange of information on the current conditions, there is no channel to verify the accuracy of the information. Therefore, the credibility of the information provided by borrowers? Need to make a question mark. If the accuracy of information cannot be guaranteed, then the total borrowing requirement will inevitably become a mere formality. "
At this stage, even if the total exceeds 1 million, this platform cannot know the borrower, due to business considerations, the platform can also choose to believe that the information provided by the user. Now, no institution can borrowers to make punishment, it also requires regulations to be very embarrassed.
Lei Feng Xue Hongyan told network platform of information exchange among the biggest challenges is asymmetric data resource, such as a 1 million data, b there are 10,000 data a has little incentive to exchange it? And lending data is a core competence of the platform.
Zhu Jianguo believes that "information sharing of platforms is the biggest difficulty entering and docking information." What kind of platform can be settled? Information sharing in what form? Share what are the content standards? No clear criteria, so it still takes time to truly. But he's very optimistic, he told nets of Lei Feng:
"From the content of the Conference shows that regulators are not only policy formulation and Publisher, was the implementation of the policy. In order to better implement policies and regulatory policy requirement to do a lot of work, and information sharing is one of many in one of the more important items. So industry-wide information sharing must be established, China Internet Association has started this system of finance structures. "
The provision for credit, can also be good, but had little effect. Used to be how to do it, go ahead and do it now, will not all of a sudden there was a major step forward.
The other hand, in discussing the information sharing is difficult to achieve at the same time, perhaps you should consider its necessity. Practitioners believe that now provides the amount is too small, may not be able to meet the current market demand, far from SMEs.
Gold finance Zhu Weiming, founder believes that simple and direct contribution limits can lead to employment of most small and medium enterprises and financial coverage area.
RMB 1 million for companies, especially in first-tier cities enterprises could only meet the day-to-day business needs of small enterprises, demand for financing the largest tens of millions of small and medium enterprises of little significance. Enterprises need to increase human and material resources into the development process, you need to improve production equipment and production technology in order to gain more orders, and this need for capital is increasing, it is hard to imagine how companies with small inputs, generating big returns?
He said direct borrowing limits for individual loans does not hit the set credit limit should be corporate actions, should have started from a qualified and dynamic of enterprise management.
Regulatory approach is the starting point to meet the medium and small micro-enterprises and individual investment and financing needs, but Internet financial this emerging industry are not suitable for one size fits all model, requires regulators to study characteristics and regulation of industry.
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