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New regulation of net loan makes the platform and bank perform their own duties — Finance — people-zngay

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Net loan platform and make new regulations — each bank finance — people.com.cn August 25th, CBRC combined with the Ministry of public security, network office issued a letter of "borrowing information network intermediary business activity management Interim Measures" — this means that the industry is looking forward to and concern the net loan management approach "boots finally landed. Overall, the "Interim Measures" to make the investment side, borrowing side, business development logic are standardized and rational regression, let the whole industry more robust benign forward. Net loan as an important part of the Internet Financial formats, rapid development in recent years. However, the concern is that most of the current net loan institutions from information intermediary services to small and micro positioning and relying on the nature of the Internet business, alienation as credit intermediary exists, self financing, illegal lending, set up the pool of funds, time resolution, a large number of offline marketing behavior. At the same time, the whole industry risk events occur from time to time. Therefore, we must clear the network lending institutions who will manage, who will be responsible for and how to manage. Looking at the whole "Interim Measures", the biggest change is to define the net loan amount should be based on small amount, and strictly limit the amount of the borrower. According to regulations, individual, single natural person in a single loan platform limit is 20 million; a single organization, corporate borrowing on a single platform limit is 100 million. The borrowing limit of a single natural person on multiple platforms is 1 million yuan; the borrowing limit of a single legal entity on multiple platforms is 5 million yuan. In the view of the insiders, the limit of 5 million yuan is exactly the demarcation line of credit products between the vast majority of banks and other financial institutions. This is different from the traditional financial institutions, but also encourage the network lending platform to join the private investment field, make up for the financing gap of small and micro enterprises. Net loan as a useful complement to traditional financial and real economy, its positioning is to solve the traditional financial institutions can not be covered or not effectively meet the needs of investors and borrowers, and this kind of demand, most are not large. As the number of banks on the Small and micro businesses credit limit is 5 million yuan, from this point it is not difficult to see that the regulatory logic, large lending should be incorporated into the non private financial system banks, and the limit is set in order to encourage banks to net loan supplement. In addition, the positioning of Internet financial and traditional financial regulators are different, the purpose is to let its roots in the field of Inclusive Finance, rather than go to the bank and competition. If the Internet financial enterprises to expand scale, chasing the single large transaction, with no essential difference between the traditional financial channels, only through the Internet to financing, there is no practical significance for the Internet financial technology and enhance the ability of. In other words, if the online lending platform does what the bank is doing now, then this emerging thing has no meaning whatsoever. Therefore, to a certain extent, the "Interim Measures" promulgated, is to allow net loan companies and banks to perform their duties. (Ze Yuan) (: Prince Yang Xi Hou, commissioning editor)

网贷监管新规让平台与银行各司其职–财经–人民网      8月25日,银监会联合工信部、公安部、网信办发布《网络借贷信息中介机构业务活动管理暂行办法》――这意味着业内既期待又担忧的网贷管理办法“靴子”终于落地。总体来说,《暂行办法》让投资端、借款端、业务发展逻辑等都回归规范和理性,让整个行业更为稳健良性地前行。   网贷作为互联网金融业态的重要组成部分,近几年来快速发展。然而,值得关注的是,目前大部分网贷机构偏离信息中介定位以及服务小微和依托互联网经营的本质,异化为信用中介,存在自融、违规放贷、设立资金池、期限拆分、大量线下营销等行为。同时,整个行业风险事件时有发生。   因此,必须要明确网贷机构谁来管、谁来负责以及怎么管。综观整个《暂行办法》,其最大的变化是界定网贷金额应以小额为主,并且对借款者的金额做了严格限制。根据规定,单一的个体、单一的自然人在一个平台上借款上限是20万元;单一组织、法人在单一平台上借款上限是100万元。单一自然人在多个平台的借款上限是100万元;单个法人在多个平台的借款上限是500万元。   在业内人士看来,500万元的限额,恰恰正是绝大多数银行及其他金融机构在信贷产品方面的分界线。这区别于传统金融机构的同时,也鼓励网贷平台投身民间投资领域,弥补小微企业融资缺口。网贷作为传统金融和实体经济的有益补充,其定位就是要解决传统金融机构不能覆盖或不能得到有效满足的这类投资人和借款人的需求,而这类需求绝大多数都非大额。正如多家银行对小微企业信用贷款设定的上限正是500万元,从这一点上不难看出监管的逻辑,大额的借贷应该纳入到银行等非民间的金融体系,而限额的设置正是为了鼓励网贷做好银行的有益补充。   另外,互联网金融的定位与传统金融有所区别,监管层的目的就是让其深耕普惠金融领域,而不是和银行去竞争。如果互联网金融企业都去做大标,追逐单笔大规模的交易,则跟传统金融没有本质区别,只是渠道上通过互联网来融资而已,对于互联网金融技术与能力的提升没有实际意义。   换句话说,如果网贷平台去做银行现在做的事,那么,这一新兴事物就没有任何意义可言。所以,从一定程度上来说,《暂行办法》的出台,就是让网贷公司和银行各司其职。(择 远) (责编:王子侯、杨曦)相关的主题文章: