Informed sources Hengfeng bank has no plans to suspend mutual deposit management business-k9084

Informed sources: Hengfeng bank plans to suspend mutual deposit custody business Sina fund exposure platform: letter Phi lag false propaganda, performance is lower than the same product for a long time, buy fund by pit how to do? Click on [I want to complain], Sina help you expose them! The insider said, "the so-called joint custody was halted, pure nonsense." Today (September 30th) the media reported that Hengfeng bank will give up P2P platform funds depository business, online depository system platform may return within 3 months. Mustang news from informed sources, the news is not true. Hengfeng bank does not plan to suspend Internet banking depository business. And, according to the person familiar with the matter, Prudential Bank has passed the regulatory pass, the current P2P platform funds depository business is not illegal. Joint custody was halted? At present, there are three modes of capital depository and cooperation between banks and P2P platforms, namely, direct banking, direct custody and joint custody. The CBRC recently issued "the network lending funds depository business guidelines (Draft)" (hereinafter referred to as the "guidelines") pointed out that "the depository bank should not be outsourced or borne by the partner institutions, shall not be entrusted to net loan institutions and the third party agency issued by and the borrower transaction settlement fund account." Some people believe that the regulation denies the joint depository model. However, the above informed personage said to Mustang finance, the joint depository model has been upgraded to version 2, after communication with the regulatory, in line with the "guidelines" requirements. The above informed personage said to Mustang finance, Hengfeng bank pre signed net loan platform depository, user account opened in the third party payment company, which really does not comply with the guidelines. However, after the Prudential Bank and other banks launched the joint depository 2 version, although it also cooperate with the third party payment, but the third party payment company just do some assistance work, such as payment work. Users account, investment and other operations have changed to the bank to operate. This is completely in line with the guidelines. The source believes that the so-called "joint custody was halted, pure nonsense." At present, the joint custody refers to the platform party will open trading funds special account in the bank, will replace the original customer money payment institutions imprest accounts in the third party approach by the bank funds to the special account of the customer transaction depository. When P2P lending transactions occur, the platform will be the first time the project information, user information, transaction information and other information necessary for timely delivery to the bank, the bank for information recording and subsequent verification using trading funds. The third party payment only serves as the technical assistance party, providing payment settlement, technical consultation, service customization, operation and maintenance services, and helps the CCB to complete the transfer of all the loan funds between the lender and the borrower’s account more efficiently. Prudential Bank adheres to this model and is called "Hengfeng model" in the industry". According to "south weekly" reported that the China Association for payment and clearing recently released "China payment and settlement industry operation report (2016)", Hengfeng bank’s "net loan platform funds depository program" has become the Internet financial capital depository theory

知情人士:恒丰银行未计划暂停互金存管业务 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!   该知情人士称,“所谓的联合存管被叫停,纯属瞎扯。”   今日(9月30日)有媒体报道称,恒丰银行即将放弃P2P平台资金存管业务,已上线存管系统的平台,可能在3个月内清退。野马财经从知情人士处获悉,上述消息并不属实。恒丰银行没有计划暂停互联网金融存管业务。   而且,据这位知情人士称,恒丰银行曾与监管层沟通过,目前其P2P平台资金存管业务并不违规。   联合存管被叫停?   目前银行与P2P平台进行资金存管合作有三种模式,分别是银行直连、直接存管和联合存管。   银监会近期下发《网络借贷资金存管业务指引(征求意见稿)》(以下简称“指引”)中指出,“存管银行不应外包或由合作机构承担,不得委托网贷机构和第三方机构代开出借人和借款人交易结算资金账户。”   有人以此认为,监管否认了联合存管模式。不过,上述知情人士向野马财经表示,联合存管模式已经升级为2.0版本,经过与监管沟通,符合“指引”要求。   上述知情人士向野马财经表示,恒丰银行前期签约的网贷平台存管,用户账户开在第三方支付公司,这的确不符合“指引”的规定。但是,之后恒丰银行及其他银行推出的联合存管2.0版本,虽然也和第三方支付合作,但是第三方支付公司只是做一些协助工作,比如支付工作等。用户开户、投资等操作均变为由银行来操作。这完全符合“指引”的规定。   该知情人士认为,“所谓的联合存管被叫停,纯属瞎扯。”   目前,联合存管模式指的是,平台方将在银行开立交易资金专用账户,取代原先将客户资金存放在第三方支付机构备用金账户的做法,由银行对这个专用账户内的客户交易资金进行存管。当P2P借贷交易发生时,平台第一时间将项目信息、用户信息、交易信息及其他必要信息及时传递给银行,供银行进行信息记录及后续交易资金核验时使用。   第三方支付只是担任技术辅助方,提供支付结算、技术咨询、服务定制、运营维护等服务,协助建行更高效地完成所有借贷资金在出借人与借款人的存管账户之间的划转。   恒丰银行秉持这一模式,被业内称为“恒丰模式”。据《南者周刊》报道,中国支付清算协会近期发布的《中国支付清算行业运行报告(2016)》中,恒丰银行的“网贷平台资金存管方案”成为互联网金融资金存管领域中唯一入选的经典案例。   报道称,该模式通过网贷平台批量获得全网客户,与第三方支付机构合作提供账户与资金服务,进而同时获得网贷平台沉淀资金与第三方支付机构客户备付金,既解决了互联网金融行业“痛点”,保障了个体客户资金安全,又为该行获得存款与中收。   截至2016年5月底,共有近300家网贷平台向该行提交了存管业务申请。经过审核,该行与52家网贷平台签订《资金存管合作协议》,开立对公账户61个。   据网贷天眼不完全统计,截至目前,恒丰银行已上线成为26家网贷平台的资金存管方,其中20家P2P平台采取的是与第三方支付联合存管的模式。   第三方支付何去何从?   神仙有财CEO惠轶对野马财经表示,确定何种存管模式存在利益博弈。对于网贷平台来说,直接存管和联合存管区别不大,但是对于银行与第三方支付平台来说却是一块不小的利益。确定直接存管后,第三方支付平台或将被剔除出局。   第三方支付平台却不这么认为。   此前易宝支付CEO唐彬在回复《时代周报》时称,由于体制机制的原因,银行的灵活性、服务意识和风险偏好远跟不上网贷公司的需求;网贷公司也不愿意受制于某单一支付公司或银行;同时,网贷公司还希望有公司为其提供营销、数据分析、风险预警等增值服务。   唐彬认为,“需要一个连接,整合传统金融(银行)和互联网金融(网贷和第三方支付)新生的关键价值链环节。而新价值链的成型会伴随阵痛。”   而对恒丰银行这样的中小银行而言,与第三方公司合作也有颇多收获。由于银行卡发卡量小,难以发卡行优势形成客户资金沉淀。因此,这些银行以网贷平台资金存管业务为切入点,拓展与第三方支付机构的合作,加强了互联网金融资金托管生态建设。   《中国支付清算行业运行报告(2016)》中表示,“恒丰模式”的互金生态建设优势在于一是互补支付渠道,可以提高恒丰银行卡的使用活跃度。二是批量代销恒丰银行理财产品。三是可以实现公私联动营销。   其实,官方文件中,也没有明确表明要将联合存管模式踢出。8月24日银监会等机构正式发布的《网络借贷信息中介机构业务活动管理暂行办法》表示,“下一步,银监会将制定网贷客户资金第三方存管具体办法”,并没有排除联合存管这一选项。   而目前采用直接存管模式的平台少之又少。据盈灿咨询不完全统计,截至2016年9月23日,与银行完成直接存管对接的P2P平台仅有51家。根据网贷之家数据,2016年8月底,我国正常运营的P2P平台数量为2235家。也就是说,完成银行直接存管的P2P平台,占比仅为2.28%。   总之,目前的联合存管模式取代了原先将资金存放在第三方备用金账户的做法,由银行对交易资金进行存管。这种模式是否合规还待政策进一步的明确,并落实监管细则。近期恒丰银行内部斗争不断,有媒体报道称,其内部对于资金存管业务的取舍还存在博弈,恒丰银行能否延续“恒丰模式”也还是未知数。 进入【新浪财经股吧】讨论相关的主题文章: