Some banks closed P2P recharge interface network lending standard how to leverage 光辉岁月粤语谐音

Some banks closed P2P net loan recharge interface specification development how to take, according to Xinhua news agency Xinhua recently, e net loan platform rent treasure and other risk events frequently exposed, cooperation of many commercial banks following emergency investigation and net loan platform, agricultural bank, Bank of China Merchants Bank even shut down part of the third party Payment institutions involved in the transaction P2P interface. The net loan industry can help regulate the banking development force, I never thought he was the bank disgusted, how to regulate the net loan industry, the next step will be to achieve? With e rent treasure and other alleged illegal fund-raising cases broke out, P2P net loan industry standard false self financing, excessive lending and other problems began to be exposed. Investors of P2P net loan cooling down, many net loan industry and financial institutions doing business is to re-examine the risks. The day before, Shenzhen P2P platform letter of financial wealth announced that "the third party payment notice of the company, China Merchants Bank payment will be upgraded to adjust the interface. Since February 5, 2016, China Merchants Bank recharge channel letter of financial wealth (including the payment gateway and non bank payment) will be temporarily closed." But in a few days ago, a number of payment companies to pay Tony technology, YeePay, chinapnr, confirmed that the Agricultural Bank has to part of the third party payment agencies sent a notice demanding the closure of all transactions involving P2P, interface. The bank related sources, involving P2P suspended trading interface, mainly fear P2P risk spread to the bank, brings the negative influence to the bank’s reputation. At present, the net loan industry, a pool of funds and self financing problems, easily lead to "volume" and "run away" risk. To this end, ten ministries jointly issued the "guiding opinions on promoting the healthy development of Internet banking" clear requirements, Internet banking institutions choose bank as a financial depository institution. Visible, regulators want to use bank long-term compliance management, help to regulate the behavior of Internet transactions of financial institutions including net loan platform, the. According to the intermediary nature of the regular operation of the P2P platform should not touch the money, capital flow and information flow should be separated, so the depository of funds is a must." Beijing city credit association secretary general Guo Dagang said. In the background of the State encourages financial innovation, many financial institutions to the P2P platform to extend the "olive branch", CITIC Bank, Minsheng Bank, China Merchants Bank, merchants bank and other banks have tried to carry out capital and net loan platform depository business. However, at present a large number of net loan platform which has just signed with the bank, but with the bank to carry out depository business is not much." Net letter Financial chairman Li Huanxiang said, the current net loan industry chaos, many banks for the P2P industry doubts, not only repeatedly improve the cooperation threshold, and in the specific business promotion is also reluctant. "Banks for the P2P industry of different cognitive, P2P companies of different sizes are different, the two sides system maturity is not the same, in order to implement the depository of funds is not a short duration of time." Financial accounting platform dig money network chairman Li Zhiguo said, "but now the net loan industry is facing more and more problems are dragons and fishes jumbled together, bad money drives out good money, the frequent occurrence of risk events are on

部分银行关闭P2P充值接口 网贷规范发展如何借力   ⊙据新华社电   近日,e租宝等网贷平台风险事件频频暴露,不少商业银行紧急下文排查与网贷平台的合作情况,农业银行、招商银行等银行甚至关闭了部分第三方支付机构涉P2P交易的接口。网贷行业本可借助银行之力规范发展,没承想却被银行“嫌弃”,下一步网贷行业规范将如何实现?   随着e租宝等涉嫌非法集资大案爆发,P2P网贷行业存在的假标自融、过度借贷等问题开始暴露。投资者对P2P网贷投资热度降温,不少与网贷行业有业务往来的金融机构也重新审视风险问题。   日前,深圳P2P平台信融财富发布公告称,“接第三方支付公司通知,招商银行支付接口将进行升级调整。自2016年2月5日起,信融财富的招商银行充值通道(含网关支付与无网银支付)将暂时关闭。”而就在数日前,贝付科技、易宝支付、汇付天下在内的多家支付公司证实,农业银行已经向部分第三方支付机构发去通知,要求关闭全部涉P2P交易接口。   农行相关人士透露,暂停涉P2P交易接口,主要还是害怕P2P风险蔓延至银行,给银行声誉带来负面影响。   当前,网贷行业“资金池”和自融问题最为突出,极易引发“卷款”“跑路”风险。为此,十部委联合发布的《关于促进互联网金融健康发展的指导意见》明确要求,互联网金融相关从业机构选择银行作为资金存管机构。可见,监管部门想借助银行长期以来的合规经营,帮助规范包括网贷平台在内的互联网金融机构的交易行为。   “按照中介性质正规经营的P2P平台都不应该碰钱,资金流和信息流应该做到分离,因此资金存管是必须的。”北京市网贷协会秘书长郭大刚说。   在国家鼓励金融创新的大背景下,不少金融机构向P2P平台伸出了“橄榄枝”,中信银行、民生银行、招商银行、徽商银行等多家银行都尝试与网贷平台开展资金存管业务。   “不过,目前大量网贷平台只是号称已与银行签约,但实际上与银行开展存管业务的并不多。”网信理财董事长李焕香表示,当下网贷行业乱象丛生,不少银行对于P2P行业心存疑虑,不仅一再提高合作门槛,而且在具体业务推进上也是举步不前。   “各家银行对于P2P行业认知不同,对不同规模的P2P公司要求也不同,双方系统成熟度也不一样,要想落实资金存管并非一朝一夕之事。”记账理财平台挖财网董事长李治国表示,“但现在网贷行业面临更大的问题是鱼龙混杂,劣币驱逐良币,频繁发生的风险事件正在冲击人们对互联网金融的认同感,影响行业健康发展。”   网贷之家的数据显示,截至1月底,P2P网贷行业累计平台数量达到3917家,其中累计问题平台达到1351家,问题平台数量在整个平台数量的占比超过三成。   业内人士分析认为,从e租宝、大大集团等P2P平台风险事件爆发后,部分商业银行关闭P2P平台充值接口,大有和网贷平台划清界限的意思。   记者了解到,目前多家银行都在进行P2P风险自查,由于e租宝风险事件,不少银行机构不仅排查与P2P企业的业务往来,更在排查与通道类融资租赁公司的业务情况,防止相关风险蔓延。   不过,不少银行人士表示,关闭部分交易接口只是暂时的,各家银行都非常关注P2P平台未来的发展走向,如果能够肃清目前行业存在的风险问题,与拥有众多客户基础的网贷平台合作还是大有前景的。   “银行对于P2P网贷企业的态度不会一成不变,随着双方了解加深,会找到适当的合作方式。”李治国说,在监管办法逐渐清晰后,一旦P2P在监管约束下健康发展,未来传统金融机构和互联网金融机构合作道路会更通畅。   “银行存管是必要的,但那只是篱笆上的一块木板。”郭大刚说,“除了资金存管,网贷行业迫切需要建立起公开、透明的债权登记系统,防止融资标的造假;建立相应的中央数据库,解决过度负债和欺诈等问题。阳光是最好的杀菌剂。”THE_END 进入【新浪财经股吧】讨论相关的主题文章:

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