97% of P2P facing out at least over 30% borrowers exceeded – Sohu Finance pp点点通2006

97% P2P face out at least 30% borrowers – Sohu finance "exceed the standard time and again the business activity management information network lending agency Interim Measures" (hereinafter referred to as "Interim Measures") finally landing P2P, head of the "inhibition" than expected are more acute and more tightly. Although the regulation also gives a transitional period of 12 months, but for most platforms, the outlook is not optimistic. The "Interim Measures" for legal status, net loan institutions as an information intermediary platform to select qualified banking financial institution as the third party depository institutions, loan balance cap, and not to carry out asset securitization in the form of transfer of creditor’s rights are made clear. At present, the establishment of the borrowing limit, capital depository, ICP licenses and other requirements for the impact of the P2P industry is the most direct and huge. If these strict implementation of the provisions of the preliminary estimates, is expected to be about 97% of the P2P are facing transformation or elimination, while the industry growth, the scale is also facing a sharp slowdown, reduction. A large number of businesses facing rectification at least 30% borrowers exceeded the interim measures, the most surprising thing is that the loan ceiling has recently sparked heated debate. According to the "Interim Measures", 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. At the same time, the same natural person in different network lending platform information intermediary loan balance is not more than 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. The provisions of the loan limit, the CBRC said the response at the press conference, which is based on three considerations: 1 clear net loan organizations, whether investment or asset side end to be small, scattered, consumption of individual operators, mainly for financial institutions is not sufficient, Small and micro businesses, farmers etc. financial services. 2 from the current Internet technology, cloud computing, big data technology point of view, located in the risk control and information collection for small financing needs. Some large financing needs can be completed by means of large data risk control, has not been verified. 3 in accordance with international practice, the net loan platform existing standard, location is small, several net loan institutions in the United States for borrowers are limiting the amount of personal loans, the limit is 50 thousand ~6 million, $300 thousand is the upper limit of the enterprise. 552 thousand and 700 at least 30% P2P per capita loan borrowers "exceed the standard" Dacheng Law Firm Xiao SA believes that the natural balance of the upper limit, mainly on account of the natural person too much debt accumulation will seriously affect the personal life, natural person debt appear on a large scale will seriously affect social stability; enterprises and other organizations, because there are other financing channels, not in net loan lending institutions too much. Insiders feedback, it is not difficult to understand the original intention of this provision, which allows P2P network.相关的主题文章: