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The author:(作者)qqpublished in(发表于) 2014/6/12 4:53:34 Central Bank： Internet financial - illegal fund raising，
Central Bank: financial = illegal fund-raising on the Internet-Internet banking, balance treasure, Internet banking, Bank-IT news Central Bank: Internet financial = illegal fund-raising
Issued by the Central Bank annual report, financial legal definition exists on the Internet does not lack funds, depository institution, triple risk risk control is not perfect. The Central Bank said often break through the Internet's financial regulatory boundaries, into a legal gray area, and may even touch illegal fund raising, illegal business operation, such as the "bottom line".
Said some businesses often enter into a legal gray area, customers lack of supervision of funds; issued guidance for classification regulation.
Financial supervision, standardize the Internet voice becomes stronger and stronger. Central Bank 2013 annual report released yesterday, financial legal definition exists on the Internet does not lack funds, depository institution, triple risk risk control is not perfect. Meanwhile, the Central Bank said, study and formulate guidance on promoting the healthy development of the financial sector of the Internet. Insiders say this will serve as a field of Internet financial "top design."
Talk P2P go: lack of funds regulation
Since last year's balance of Internet financial boom has pushed Bao was born, Internet financial industry has been dominated by "walking", "hidden risk", "insecure" and other problems. Especially popular P2P net lending industry constantly "run", "fail" news, recent "net Campbell" platform's money and flee, once again lending industry has pushed to the forefront of P2P networks.
Central Bank yesterday points out that the Internet financial three risks
Is the legal status of institutions is not clear, business blur . Such as P2P lending platforms in the banking business, but difficult to clearly define their financial attributes of existing legal rules and effective norms. Internet supervision of financial business operations often break through the border, into a legal grey area, and may even touch illegal fund raising, illegal business operation, such as the "bottom line".
Second is the lack of client funds third-party depository system, money depository for security breaches . P2P lending platform in particular generate a lot of capital precipitation, prone to the risk of misappropriation of funds and even abscond with the money. Jinbao was the case network, platform, lack of supervision of funds, the platform funds charge investors can easily be transferred.
Third, risk control is not perfect, could trigger a business risk . Some Internet financial enterprise one-sided pursuit business expand and profit capacity, used has some has controversy, and high risk of trading mode, also no established customer identity recognition, and trading records save and suspicious trading analysis report mechanism, easy for outlaws using platform for money-laundering, illegal activities created conditions; also some Internet Enterprise not focused on internal management, information security protection level lower, exists customer personal privacy leaked risk.
Internet Banking Association to be set up
Central Bank to formulate guidance on promoting the healthy development of the financial sector of the Internet. According to press reports, Central Bank Law Department is to study the industry regulatory rules, the Central Bank would unveil overall policy to guide Internet financial norms. Meanwhile, the Central Bank Law Department to set up Internet Banking Association has been reported to the Ministry of Civil Affairs for approval, will be established in the near future.
"The Central Bank will have a regulatory regime for the financial framework of the Internet, but specific to each category, such as P2P regulations will be implemented by the CBRC demanded the audience consists of SFC raised this to do. "A person familiar with the matter said. Central Bank Director of the Law Department of Mu Huaipeng said earlier that on Internet financial actors should ensure the necessary monitoring measures, but should not be so tight after death, to set aside space for the development of, and supervision should be appropriate. However, allows the development of space is not to leave a regulatory gap.
Third-party payments, P2P, equity financing as well as the essential content online Fund sales business is still handled by traditional financial payment, loans, equity financing and investment businesses. Therefore, within the framework of the existing functions of the financial regulator, classification against Internet financial regulation.
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