Net loan regulations will cause 90% P2P platform closed 200 thousand borrowing limit too little freelander2

Net loan new regulations will cause 90% P2P platform closed: 200 thousand borrowing limit too little P2P net loan industry long-awaited regulatory boots finally landed. Recently, the CBRC announced the "Interim Measures for the business management information network lending agency" (hereinafter referred to as the "measures"), "the relevant documents issued prior to the basic measures" to reaffirm the localization of P2P net loan information intermediaries, and puts forward the negative list covers 13 red line "". Among them, the "measures" of the borrower borrowing limit touches a lot of Shenzhen P2P platform "bane". Shenzhen which net loan platform will be affected by the "approach", and how many platforms will be eliminated? The loan limit point core net loan platform "soft spot" reporter combing the "measures", which mainly includes four aspects: first, the definition of net loan connotation, clear the scope of application and basic principles of net loan activities, reaffirmed the legal status of institutions as information intermediary. Second, the "measures" to form a negative list of the provisions of the business boundaries, clearly not absorb public deposits, imputation funds shall not establish pools of capital, not to provide their own security. Third, the specific requirements of business management and risk control, the provisions of the implementation of customer funds from the banking financial institutions third party depository system. The most unexpected is the fourth point: the approach clearly provides the same borrower in the same network lending institutions and the balance of the loan balance of different network lending institutions. For example, the same borrower in the same platform borrowing limit is 200 thousand yuan, with a business organization in the same platform borrowing limit is 1 million yuan, the same borrower in different net lending institutions borrowing limit is 1 million yuan, the same enterprise in different net lending institutions borrowing limit 5 million yuan. In addition, the ban on net loan platform to carry out asset securitization business or to achieve asset securitization, asset securitization, trust assets, fund shares and other forms of bond transfer behavior. This is the new point of the "measures" the largest, a "soft spot in Shenzhen is also many net loan platform". Net loan house co-founder Shi Pengfeng believes that part of the platform business model therefore needs to be adjusted, but this one really landing, execution is very difficult, in strong demand, easy there are measures under the policy situation on. In addition, how to determine whether the 5 platforms in the short term, it is difficult to achieve in the short term. More than 80% of the mortgage business or will be suspended in the plight of the current scarcity of high-quality assets, mortgage, car loan mortgage loans such that many P2P net loan platform as a good asset. However, after the implementation of these measures, these large loans may be out of business. Whether it is a car loan, or mortgage, supply chain finance and other mortgage business, a platform of 200 thousand yuan loan ceiling is too low, not in line with the reality." Cast house co-founder CEO Shiqiao Huang said, according to the current domestic prices, a house worth millions, even if the mortgage number calculated by 50%, 200 thousand yuan is too low, leading to the platform not normal to do business, the borrower can not normal lending. Huang Shiqiao bluntly, if in strict accordance with the standards, more than 80% of the mortgage business to suspend. With a friend!相关的主题文章: