P2P regulatory boots landing negative list expansion to thirteen ban gigolos

P2P regulatory boots landing negative list expansion to the "Thirteen forbidden" Li Jingxia [the same natural person platform loans 200 thousand yuan, a total limit of 1 million yuan loan platform; the same platform corporate borrowing limit of 1 million yuan, more than 5 million yuan platform borrowing limit. The lack of supervision, lack of rules], a void in the threshold, the net loan industry three missing "finally ushered in the first industry regulatory rules. In August 24th, the CBRC and the Ministry of industry and information technology, Ministry of public security, the state Internet information office and other departments issued the "Interim Measures for the business management information network lending agency" (hereinafter referred to as "Interim Measures"), which means that after more than 8 months to seek the views of the industry management finally landing. At the end of last year and the release of the draft, the "Interim Measures" of the position more clearly on the net lending institutions, mainly in, is to further clarify the information intermediaries rather than credit intermediary, no deposit no pool of funds, the positioning of the small decentralized management mode must be online business, reasonable pricing and we must focus on the main business, professional management, not mixed operation. Interim Measures for the establishment of personal and corporate borrowing limits, as well as rigid targets must be deposited in bank funds, is expected to raise the threshold of P2P, but also set up a transitional period of 12 months. Industry insiders believe that the "Interim Measures" issued will reshape the net loan industry, causing the industry big change. CBRC data show, according to incomplete statistics, as of the end of June 2016, net loan institutions nationwide operating a total of 2349, loan balance of 621 billion 261 million yuan, two data than the end of 2014, an increase of 49.1%, 499.7%. The "Thirteen forbidden" + micro positioning and draft unchanged compared to P2P negative list management, and a list of the contents from the previous "Twelve forbidden" expansion for the "Thirteen ban", and also in the transfer of creditor’s rights from the left hole". Negative list of the latest addition to carry out asset securitization business or to achieve the form of asset securitization, securitization assets, trust assets, fund shares and other forms of debt transfer behavior". For this, the China Banking Regulatory Commission said that in order to prevent the emergence of an intermediary platform will be more than a debt package, forming a pool of funds, cross-border mixed operations and other acts, resulting in risk. The purpose of the interim measures is to make the net loan back to the origin, is to match the actual financing and investment needs, return to the essence of information intermediaries. "Now a lot of net loan platform is to carry out a large number of asset securitization business or private public offering, there are a lot of this type of platform business features, the introduction of this provision, will have a significant impact on the business and platform. It can be said, turn off the fuzzy zone in the market and walking conditions." Yin Zhentao, deputy director of the Chinese Academy of Social Sciences Institute of Finance and finance. But the melting point of the network, combined with CEO founder Guo Yuhang told the "First Financial Daily" reporter, this does not mean that the net loan platform a total ban on the transfer of creditor’s rights, according to the new regulations for the protection of platform investors liquidity debt is allowed. In addition, "interim.相关的主题文章: