A number of P2P financial services are closed, whether to be banned, depends on the regulatory attit 别有洞天的意思

Many of P2P’s current financial business is closed if banned depends on the risk attitude of supervision net loan platform current financial products and compliance has become the focus of the industry to discuss. Following the warm merchant loan, the short financial network will officially close the current financial services in the near future. Analysts said that in the context of tighter regulatory trends, the existing model of P2P demand financial products have been closed possible. Wen business loans announced after the Spring Festival announced that since February 15, 2016 officially closed the current project. It is reported that the current project on line less than two months. In addition, the Mavericks online before the date of release on the current cattle plan due to the announcement, the market rumors, the Mavericks online will also close the current financial business. However, the Mavericks online relevant responsible person said yesterday to the Beijing Daily reporter, the current financial business continues in operation, as for the latter is closed, but also the dynamic supervision. Short financial responsible person yesterday to the Beijing Daily reporters related network, they will close the current treasure project in the near future, the main reason is to rules and regulation line, platform compliance adjustment. Compared to P2P regular financing, P2P demand financing, because of its convenience of purchase and redemption favored investors. At present, the main push of the current financial platform probably has two modes: one is similar to the balance of treasure "baby" products, through cooperation with banks, fund companies, so that investors idle funds enjoy monetary fund income; two is through the transfer of creditor’s rights, realization of the way, to realize the "current" financial disguised. But the product is not in accordance with the Interim Measures for the business management information network lending intermediaries at the end of last year, the CBRC issued the "(Draft)" (hereinafter referred to as "the draft") the relevant provisions of the "draft" clearly stipulates that the network credit information agency shall not in any form on behalf of the lender to exercise decision-making. At present, most of the current financial services platform debt transfer mode, there are generation of lenders to exercise decision-making behavior; in addition, the "draft" clearly stipulates the platform should not sell fund products. Under the supervision, some platforms intend to reduce the current business, in addition to several platforms announced to close the current financial services business. LEGO box responsible person, the current rules of supervision for current products have not yet been finalized, Lego box has the initiative to reduce the amount of current products, the future development direction of the current product depends on dynamic supervision and. Beijing P2P platform insiders also told the Beijing Business Daily reporter, their platform has now reduced the amount of current financial services. Some platforms are still on the sidelines. A number of online lending platforms, mainly based on current financial services, say they are still waiting to see policies, and there are no plans to close such businesses. Chen Xiaojun, the consulting researcher, believes that the biggest risk of current products may be the pool of funds. If there is no real investment target, there may be platform direct collection of funds and misappropriation of risk. Another situation is in the user redemption, the platform to use its own funds to advance the transfer to the later users, which is also the liquidity of the platform has a lot of pressure. If there is a more concentrated user presentation theory

多家P2P活期理财业务被关闭 是否被取缔得看监管态度   网贷平台活期理财产品的风险性与合规性又成了业界讨论的焦点。继温商贷后,短融网也将于近期正式关闭活期理财业务。分析人士称,在监管风向趋严的背景下,现存模式的P2P活期理财产品都有被关闭的可能。   温商贷在春节后发布公告称,自2016年2月15日正式关闭活期项目。据悉,该活期项目上线不足两个月。除此之外,小牛在线日前发布了关于活期牛计划到期的公告,市场传言称,小牛在线也将关闭活期理财业务。不过,昨日小牛在线相关负责人向北京商报记者表示,目前活期理财业务仍在继续操作,至于后期是否关闭,还要看监管动态。   短融网相关负责人昨日向北京商报记者透露,他们将于近期关闭活期宝项目,原因主要是为了和监管细则看齐,实现平台的合规化调整。   相比P2P定期理财,P2P活期理财因为其申购赎回的便利性深得投资者青睐。目前平台主推的活期理财大概有两种模式:一是类似余额宝的“宝宝类”产品,通过与银行、基金公司合作,让投资人的闲置资金享受到货币基金的收益;二是通过债权转让、变现的方式,变相地实现“活期”理财。   但该产品不太符合去年底银监会发布的《网络借贷信息中介机构业务活动管理暂行办法(征求意见稿)》(以下简称《征求意见稿》)相关规定,《征求意见稿》明确规定,网络借贷信息中介机构不得以任何形式代出借人行使决策。   而目前平台的活期理财业务多数以债权转让的模式存在,存在代出借人行使决策的行为;另外,《征求意见稿》明确规定平台不得代销基金等产品。   在监管的驱使下,除了几家平台宣布关闭活期理财业务外,部分平台打算缩减活期业务。积木盒子相关负责人称,目前监管针对活期产品的细则尚未有定论,积木盒子已主动降低了活期产品的额度,对活期产品的未来发展方向要视监管动态而定。北京一家P2P平台内部人士也向北京商报记者表示,他们平台目前已经缩减了活期理财业务额度。   也有一些平台仍处于观望状态。多家主要以活期理财业务为主的网贷平台称,他们目前仍在观望政策,并没有类似关闭这类业务的计划。   盈灿咨询研究员陈晓俊认为,活期产品的最大风险可能就是资金池。如果没有真实的投资标的,就可能存在平台直接归集资金并挪用的风险。而另一种情况是在用户赎回时,平台先用自有资金垫付再转让给后来的用户,这种方式同样对平台的流动性有很大压力。如果出现较为集中的用户提现,就会发生无法控制的挤兑风险。   而活期理财产品是否会被真正取缔还得看监管的态度。金蛋理财CEO邓巍表示,平台关闭活期理财业务,肯定是受到监管细则的影响,为了更加合规发展。而从监管细则征求意见稿来看,并没有禁止平台进行活期理财业务,禁止的是平台存在资金池。除了资金池这种不合规的模式,通过高效的债权转让模式,也可以为用户创造出类似活期理财的使用体验。   网贷资深研究人李子川表示,活期理财存在的基础是满足客户流动性需求,对于平台迅速做大规模会有帮助,不过由于交易效率的提升,会存在期限错配、以虚假标的设立资金池的问题。   “个人不太看好完全做‘活期理财’,或者占主导地位的做法,但可以让平台上有一定的存在比例,既照顾到用户需求又主动减小了风险压力,还适合各方监督管理”,李子川说道。   北京商报记者 崔启斌 岳品瑜 进入【新浪财经股吧】讨论相关的主题文章: