with capital 瓜熟蒂落的意思

Net loan regulation again upgrade thirteen banned over 90% platform facing business adjustment Sina fund exposure platform: letter Phi lag false propaganda, performance is lower than the same kind of products for a long time, buy fund by pit how to do? Click on [I want to complain], Sina help you expose them! 24, the CBRC, the Ministry of industry and information technology, the Ministry of public security, the state Internet information office and other four departments jointly issued "Interim Measures for the management of business activities of online lending information intermediaries" (hereinafter referred to as "measures"). Insiders said that the "double responsibility principle", "deposit control", "borrowing ceiling" and other contents of "measures", will have a significant impact on the network lending industry, over 90% P2P net loan platform facing business adjustment. "Measures" to determine the overall principle of network lending industry supervision: first, emphasize the essential nature of institutions, strengthen the behavior supervision afterwards; two is to adhere to the bottom line supervision thinking, the implementation of negative list management, clear net lending institutions can not engage in thirteen prohibited acts. It is reported that the thirteen prohibitions behavior, in addition to the previous provisions shall be self financing, not to split the project financing period, but also adds new borrowing for not to invest in stocks, with capital, OTC futures contracts, structured products and other high risk financing provides information intermediary services, not to carry out asset securitization business rules. The "measures" that will be in accordance with the "double responsibility" principle, clear the CBRC and its dispatched institutions responsible for the implementation of the behavior regulation of the net loan business activities, making the net loan business activity monitoring system; local financial supervision department is responsible for the area of net loan regulatory agencies, specific regulatory functions including record management, guidance, and risk prevention disposal etc.. In addition, the "procedures" also stipulates that the implementation of customer funds from the banking financial institutions to the third party depository system, and the provisions of the responsibility information disclosure of net lending institutions shall carry out the project financing and full disclosure of the borrower information, regular disclosure of net loan platform for business management information, the information disclosure of audit and report, to ensure that the disclosure of the information is true, accurate, complete and timely. Hu Hong, President of pat on the Economic Information Daily reporter said that the introduction of the "measures" will promote the industry to mature, network lending to small scattered, service consumption, do Inclusive Finance, is the basic idea of supervision. With the perfection of the supervision system, a large number of institutional arbitrage platforms will be pulled out, and the concentration of the industry will be greatly strengthened. It is worth noting that the "method" clearly stipulates the same borrower in the same net lending institutions and different net loan institutions of the upper limit of the loan balance. According to regulations, the same natural person in the same network lending information intermediaries platform loan balance does not exceed the ceiling of 200 thousand yuan; the same legal persons or other organizations in the same network lending information intermediaries platform loan balance does not exceed the ceiling of 1 million yuan; the same natural person in different network lending platform loan information intermediaries the total amount of not more than RMB 1 million yuan; the same legal persons or other organizations in different network lending platform information intermediary loan total balance is not more than 5 million yuan. Love money into the CEO Yang Fan said, "measures" proposed loan ceiling regulations, will promote the P2P platform "do small, do simple, do scattered" theory 网贷监管再升级明令十三禁 超九成平台面临业务调整 新浪基金曝光台:信披滞后虚假宣传,业绩长期低于同类产品,买基金被坑怎么办?点击【我要投诉】,新浪帮你曝光他们!   24日,银监会、工业和信息化部、公安部、国家互联网信息办公室等四部门联合发布《网络借贷信息中介机构业务活动管理暂行办法》(以下简称《办法》)。业内人士表示,《办法》提出的双负责原则、存管制、借款上限等内容,将对网贷行业产生重大影响,超九成P2P网贷平台面临业务调整。   《办法》确定了网贷行业监管的总体原则:一是强调机构本质属性,加强事中事后行为监管;二是坚持底线监管思维,实行负面清单管理,明确网贷机构不能从事的十三项禁止性行为。据悉,这十三项禁止性行为,除了此前规定的不得自融、不得拆分融资项目期限等,还新增加了不得向借款用途为投资股票、场外配资、期货合约、结构化产品等高风险融资提供信息中介服务,不得开展类资产证券化业务等规定。   《办法》指出,将按照“双负责”原则,明确银监会及其派出机构负责对网贷业务活动实施行为监管,制定网贷业务活动监管制度;地方金融监管部门负责本辖区网贷的机构监管,具体监管职能包括备案管理、规范引导、风险防范和处置工作等。   此外,《办法》还规定,实行客户资金由银行业金融机构第三方存管制度,并规定网贷机构应履行的信息披露责任,充分披露借款人和融资项目信息,定期披露网贷平台有关经营管理信息,对信息披露情况等进行审计和公布,保证披露的信息真实、准确、完整、及时。   拍拍贷总裁胡宏对《经济参考报》记者表示,《办法》的出台将促使行业走向成熟,网络借贷要小额分散、服务消费,做普惠金融,是监管的基本思路。监管制度日趋完善,将促使一大批制度套利的平台退出,行业集中度将大幅加强。   值得注意的是,《办法》明确对同一借款主体在同一网贷机构及不同网贷机构的借款余额上限作出规定。根据规定,同一自然人在同一网络借贷信息中介机构平台的借款余额上限不超过人民币20万元;同一法人或其他组织在同一网络借贷信息中介机构平台的借款余额上限不超过人民币100万元;同一自然人在不同网络借贷信息中介机构平台借款总余额不超过人民币100万元;同一法人或其他组织在不同网络借贷信息中介机构平台借款总余额不超过人民币500万元。   爱钱进CEO杨帆称,《办法》提出的借款上限规定,将促使P2P平台“做小、做简单、做分散”,更好地服务于小微企业和个人,坚守“普惠金融”的本质。金信网副总经理李玉维也表示,这一举措还有利于加强风控。如果借款人需要进行大额借贷,势必面临多家平台的风控调研,对于提升资产质量来说是件好事。   《经济参考报》记者了解到,目前很多网贷平台依靠大额借贷在交易规模和用户上形成了一定的规模,此类平台在面对监管时,必须在资产端进行较大调整。   “据不完全统计,目前现存的不符合限额限制的P2P资产有数千亿元。”神仙有财CEO惠轶认为,对于这一部分业务,不能简单粗暴地一刀切,要留给相关P2P平台平滑的过渡的时间和空间。   对此,《办法》提出了12个月的过渡期,在过渡期内通过采取自查自纠、清理整顿、分类处置等措施,进一步净化市场环境,促进机构规范发展。   进入【新浪财经股吧】讨论相关的主题文章: