Source: Hong Kong 01
China's first P2P online loan platform was established in 2006, but since 2013, the platform has closed down and has increased every year.In the first half of 2018, the closure of the P2P online loan platform intensified, and more than 4,000 platforms closed down. In the past two months, nearly 200 online loan platforms closed.The cause of closure includes the disappearance of the company's person in charge, investors cannot recover cash, and so on.
Last month, 123 online loan companies had a break, liquidation or investigation, involving a minimum 50 billion yuan (Hong Kong dollar, the same below).According to the "Interim Measures for the Management of P2P Network Lending Business Management" issued by the Banking Regulatory Commission and relevant departments in 2016, it lists Andrdquo;Supervision and excessive growth in the past ten years.
If the platform complies with the regulations, it can become the real sharing economy, but the shared items have become money (that is, investors provide Andrdquo; money borrowers to borrowers, and they are used for their best). However, many online loan platformsIgnore the authorities' instructions, and still use the platform as financing. If you raise enough money, you will roll money to absorb.
In fact, the essence of the sharing economy is not bad, and it can better fill the needs of the market.The P2P online loan platform cannot provide services for general traditional banks or virtual banks, such as deposits and transfer, but it can provide lending services between people, there is no obvious conflict with the traditional banking industry, and it can even strengthen the flow of market funds.Sexual and promoting the development of inclusive finance (that is, a set of financial service systems that benefit everyone, especially farmers, people with poverty in urban and rural areas, and micro -enterprises that are particularly ignored by traditional finance).
However, in a short period of time, many Andrdquo; and the founder of the "pseudo -P2P online loan platform Andrdquo;"Andrdquo, who is in the newly costume, is not unreasonable.
It should be noted that the sharing economy has been stigmatized overnight. Earlier, many shared bicycle companies closed down. Users cannot retrieve the rent of car rental. In addition, the "online loan blast andRDQUO;Economic confidence.
The uniqueness of the sharing economy is to build mutual trust to maintain the sales relationship; however, once the trust crisis emerges, I am afraid it will hinder the development of the sharing economy in the future.Essence
In recent years, the Chinese government has adopted Andrdquo; the model of Andrdquo; to supervise the new economic development of the new economic development. It has achieved certain results. The notice on rectification of the P2P online loan platform was launched as early as two years ago, and more than 3,000 platforms have withdrawn from the market./p>
The authorities abandoned the platform that "one -size -fits knife cut andRDQUO; to rectify the unprepared specifications, instead replacing it by step -by -step policy. On the one hand, it provides a buffer period to the platform to leave the market. On the other hand, it can provide more and more transparent information to users to ensure themEquity.
In addition, the Office of the Leading Group of the Special Rectification of Internet Financial Risk Special Remediation Works and the Special Rectification of Loan Risk Special Rectification Work held a symposium last week to enumerate the top ten preventive risk measures, including the withdrawal institutions.Relevant regulatory requirements formulate a liquidation payment plan; online loan institutions must establish a communication mechanism to improve operating transparency.
The Supreme Court also issued the "Notice of the Supreme People's Court on the proper trial of civil lending cases in accordance with the law", and for new criminal acts for civil lending cases, such as virtual debt, charging high fees, and criminal cracking crimes, it shows that the authorities rectify the online loan online loan.Industry determination.
With the stricter of supervision, many platforms have closed down one after another. Instead, it can achieve the effect of being weak and strong, and the effect of good currency and inferior currency.As for how far the P2P online loan platform can go, it depends on whether it can seize this opportunity.
