Fuzhou online lending platform refresh P2P run quickly Lu Shi: Live 3 days only-P2P, net loans, run-IT information
Financial regulation gradually across the Internet kicked off, one of the P2P lending platform is the network control key.
According to the national authority of the P2P network industry Portal Web loan home loans according to the data provided by March 2016, Fujian P2P lending platform to reach 55, added two new issues platform monthly, from 2013 to 2016, the contentious and difficult problems, run, business platform, reached 36.
In Fujian, a mortgage-loan lending platform is the main business of P2P networks as Chief Strategist Liu Yiyang (not his real name), told reporters that around 2013, rising national network of P2P lending platform. Two or three years past, Fujian online lending platform also sprung up, but many platforms is fleeting, poor management and personally fell the fastest time before and after three days, leaving behind a large number of interests of investors unable to marvel.
Internet financial Association of Fujian province Xiao junguang believes that fewer and smaller P2P platform in Fujian, in addition to start late, talent shortage, and wary of financial institutions, lack of big business is closely related to funding. Behind the chaos of online lending platform development, concerns the platform the attitude of trust, risk control and platform capacity is closely related to and perfection of social credit system, which, net lending industry norms and regulations is particularly important.
Harsh reality
Fuzhou, the most short-lived platforms only live 3-day financial institutions wary of P2P
Two or three years, poured out of the view of Liu Yiyang P2P platform for countless short-lived platforms survived for only 3 days.
The platform was considered refreshing the industry run history in October 2013, Fuzhou Fu Xiang, online lending platform in online ventures. It is understood that the platform to a higher annual rate and the fictional "second label" approach has attracted hundreds of thousands of Yuan, because investors can't find website address was found, followed by platform owners fled. According to whistle-blowers, said that "the platform is not customer service, all services are operated by ' General ' people."
Only a year later, Fujian also a P2P lending platform min Chang credits the network also run storm. Kwak min-Chang credits the boss platform borrowed fiction publishing false mortgage (such as premium, gold, etc), melt to investors funding for other purposes such as usury, debt, less than a year later, received 1053 users a total of 120 million Yuan. However, a few months after, funding completely fracture, Guo fled and hid in LongYan mountains by Xiamen police after arrest.
According to the national authority of the P2P network industry Portal Web loan home loans according to the data provided by March 2016, Fujian P2P lending platform to reach 55, added two new issues platform monthly, from 2013 to 2016, the contentious and difficult problems, run, business platform, reached 36, min-Chang Fu Xiang Chong, loans and investment.
Reporter select has which several problem platform verified, through customer service phone asked, but are cannot contact staff, as: Friends friends loan, its official website (friends friends Jin Fu) of customer service phone displayed busy, fixed has suspended service, and thaw news network of customer service phone is has downtime, hercynian loan, and gathering fiscal, and gold Kirin Web site has disappeared missing, hercynian loan registration in business of phone also has suspended service.
Industry researchers said Ma Southeast Express Reporter, registration platform on the site actively looking for some platforms in the past, some are Web site his collection, on the site of abnormal operating conditions, the staff will verify, but disclosed only as a reference does not make recommendations.
Internet financial Association General Secretary Xiao junguang explained in Fujian, Fujian P2P platform for quantity and scale of North Canton deep remains weak, partly because Fujian P2P platform starting late, due to remuneration because of lack of adequate financial innovation, product, project and risk management personnel, but most important are financial institutions for P2P platform are cautious, as well as lack of Consortium capital injection.
Past and present:
Local P2P came from micro-loans mortgage-backed institutions in transition
Vice Chairman of the Fujian Provincial Association of financial planners Tang Wei believes that Fuzhou P2P networks apart from some P2P lending platform outside branches, there are many from microfinance companies, car, mortgage guarantee company in the past. At the operational level, were more focused on the traditional mortgage business, "rarely pure credit".
Liu Yiyang says motor home mortgage to be registered by the relevant departments, mortgage-related materials will be published under the lending, once repayments and mortgage RV discount can sell in order to protect the interests of investors. If you doubt the authenticity of published material, one can look for departments to verify, partly because people can go to the store asked to see the original. Credit, relies on a strong risk control team checks, once repayments, smaller collection costs. Bad debts more than a number, without a lot of money in the early support platform is easy to beat. Industry sources, but under some platforms will give the assignment to the local specialized team of Dun, on the other hand, China's credit system is still not perfect, credit information is not shared, frequent borrowers loan debt of multiple platforms.
Short Board
Platform fabrication projects since the financial payment institutions of funds managed in?
Tang Wei think, P2P network borrowing platform in recent years mess as repeatedly, many platform personally "exists since thaw suspected", he to reporter explained, part company fancy ideal project, for reduced financing cost, will to construction platform since thaw, using since thaw to of funds for investment, once investment losses, to turnover funds will will take fictional items target of absorb funds, if scam was found, or funds chain completely fracture, will quickly run.
By normal situation, P2P platform only bear information intermediary, and set borrowing party and lending party of role, charged procedures fee can, "platform itself cannot touch money, funds to has Bank or third party paid institutions save tube", Tang Wei said, but actually rarely has platform such do, Bank also not willing to to mix this pieces things, comes responsibility problem, Bank is worried P2P platform produced of risk spread itself; second cost problem, some big platform daily has tens of thousands of pen even hundreds of thousands of pen of trading, If you want to audit the authenticity of each deal, the banks have to spend far more time and energy than the management fees charged by. There is a view that, net credit transaction characteristics of short and frequent, fast, or requires banks to develop new systems for net credit transaction.
Xiao junguang believes that for financial institutions, to risk problems far greater than the cost of technology issues, the market is still only a fraction of the banks and P2P collaboration platform, but net lending platform called the third party payment and bank deposit, still perform the function of collecting payment. Part of cooperative bank taking into account such risks will have prior notice of disclaimer. But MA in the industry believe that for now, this deposit is not useless, at least increase the threshold to illegal fraud platform.
Good business
Liu Yiyang said via a P2P platform, full speed, auditing for a day or so after lenders, based on large data bases, investors ' money is easily matched to suitable projects, a project may be as long as several seconds to full scale.
Therefore also facilitate the way college students in some home business. Like, at Fu an a bit students returned founded has agricultural Bo Park, raised up ecological goose, but sales problem, through local City Youth League contact, the platform sent people field study Hou, decided for its expand all raised, "that project sponsors through platform released fund-raising project raised funds, funds raised success Hou, sponsors by agreed of term give support who peer of real or service of returns".
Reporter learned that, in Fuzhou, some P2P platform's main training college students loans business, which include study abroad in English, driving, computer training.
Policies and regulations
December 28, 2015, silver prison will released of P2P regulatory rules provisional approach (sought views draft) to negative listing form delineation has business border, clear proposed shall not absorption public deposits, and shall not collection funds established funds pool, and shall not itself for lending people provides any form of guarantees, 12 items ban sex behavior, playing with network loan banner engaged in illegal fund-raising, illegal violations behavior, to strongly implementation market exit, according to related legal and work mechanism be combat and banned, purification market environment, Protection of investor interests. Meanwhile, the measures put forward specific requirements for business management and risk control, the implementation of client funds by a third-party depository banking institutions system and controlling credit concentration risk, prevention platform of moral hazard, the protection of customer funds security, adherence to risk the bottom line.
福州一网贷平台刷新P2P最快跑路史：仅活3天 - P2P,网贷,跑路 - IT资讯
互联网金融整治在各地逐渐拉开序幕，P2P网络借贷平台是整治重点之一。
据国内权威的P2P网贷行业门户网站网贷之家提供的数据显示，截至2016年3月份，福建P2P网贷平台达到55家，问题平台单月新增两家，从2013年到2016年，出现争议、提现困难、跑路、停业等问题的平台，达到36家。
在福建一家以抵押类借款为主营业务的P2P网络借贷平台担任首席战略家的刘逸阳(化名)告诉记者，2013年左右，全国P2P网络借贷平台勃兴。两三年时间过去，福建网络借贷平台也如雨后春笋般冒出，但身边很多平台转瞬即逝，有的经营不善，有的挂羊头卖狗肉，最快倒下的前后用时不过三天，背后徒留大量利益受损的投资人无力喟叹。
福建互联网金融协会秘书长肖俊光认为，福建P2P平台的数量少且规模小，除了起步晚，人才不足外，与金融机构的谨慎态度、缺少大财团注资有密切关系。而网贷平台发展乱象的背后，关乎平台对资金托管的态度，也与平台风险把控能力以及社会信用体系的完善有密切关系，这其中，网贷行业自身规范和部门监管尤为重要。
严峻现实
福州最短命平台仅活3天 金融机构对P2P持谨慎态度
两三年间，刘逸阳视野里倒掉的P2P平台不计其数，最短命的平台只存活了3天。
这家平台是被认为刷新业内跑路史、于2013年10月份上线的福州网贷平台福翔创投。据了解，该平台以较高的年化率和虚构“秒标”的方式吸引了几十万元资金，因为投资人找不到网站上公布的地址才被发现，随后平台老板跑路。据当时爆料人透露，“该平台没有客服，所有事务均由‘许总’一人完成”。
仅隔一年，福建另外一家P2P网络借贷平台闽昌贷也出现跑路风波。闽昌贷老板郭某借用平台虚构发布虚假抵押借款标(如高档汽车、黄金等)，向投资人融取资金后用于放高利贷、偿还债务等其他用途，不到一年时间，共吸收1053名网民共1.2亿元。不过，数月之后，资金链彻底断裂，郭某跑路躲进龙岩山区，后被厦门警方捉拿归案。
据国内权威的P2P网贷行业门户网站网贷之家提供的数据显示，截至2016年3月份，福建P2P网贷平台达到55家，问题平台单月新增两家，从2013年到2016年，出现争议、提现困难、跑路、停业等问题的平台，达到36家，闽昌贷和福翔创投入列。
记者选择了其中几家问题平台核实，通过客服电话询问，但都无法联系工作人员，如：友友贷，其官网(友友金服)的客服电话显示占线，固话已暂停服务，而融讯网的客服电话则已停机，海西贷、聚散财、金麒麟网址已消失不见，海西贷登记在工商的电话也已暂停服务。
业内研究员马骏接受东南快报记者采访时表示，网站上登记的平台有些是平台主动找过去，有些则是网站自己搜集，对网站的运营状况出现异常的情况，工作人员会进行核实，但披露的情况只做参考不作推荐。
福建互联网金融协会秘书长肖俊光解释，目前福建P2P平台的数量及规模较北上广深仍然偏弱，一来是因为福建P2P平台起步晚，且由于薪酬待遇等原因缺乏足够的金融创新、产品项目及风控人才，但最主要的是金融机构对P2P平台持谨慎态度、同时缺少大财团注资。
前世今生
本土P2P多由小额贷款抵押担保机构转型而来
福建省理财规划师协会副会长唐伟认为，福州P2P网络借贷平台除了国内一些大的P2P分支机构外，还有很多是从小额贷款公司，汽车、房产抵押担保公司转型过去。在业务层面上，则更多集中在传统抵押贷款的业务上，“纯信用贷款的很少”。
刘逸阳说，房车抵押要经过相关部门登记，抵押的相关材料会公布在借款项目之下，一旦出现不还款情况，可以将抵押的房车折价出卖，以保障投资人的利益。如果对公布的材料真实性存疑，一来可以找部门核实，二来也可以亲自到门店要求查看原件。而信用借款，要依靠强大的风控团队把关，一旦出现不还款的情况，小平台催款的成本支出大。坏账一多，没有前期大量的资金支持，平台很容易垮掉。有业内人士透露，一些平台无奈之下会把债权转让给当地专门的催债团队；而另一方面，中国的征信系统仍未完善，信用信息尚未实现共享，经常出现借款者多个平台借款举债的情况。
行业短板
平台虚构项目招标自融 支付机构资金托管难在哪？
唐伟认为，P2P网络借贷平台近几年乱象迭出，很多平台挂羊头卖狗肉“存在自融嫌疑”，他向记者解释，部分公司看中理想项目，为减少融资成本，会去建设平台自融，利用自融来的资金进行投资，一旦投资亏损，为了周转资金便会采取虚构项目标的吸纳资金，若骗局被发现，或者资金链彻底断裂，便迅速跑路。
按正常情况，P2P平台只承担信息中介、撮合借款方和出借方的作用，收取手续费即可，“平台自身不能碰钱，资金要有银行或者第三方支付机构存管”，唐伟说，但实际上很少有平台这样做，银行也不愿意去掺和这件事情，一来责任问题，银行很担心P2P平台产生的风险波及自身；二来成本问题，一些大平台每天有几万笔甚至几十万笔的交易，如果要审核每笔交易的真实性，银行要耗费的时间精力要远远超过所收取的管理费。也有一种观点认为，网贷交易短、频、快的特点，或需要银行重新开发专门针对网贷交易的新系统。
肖俊光则认为，对于金融机构来讲，风险问题远远大于技术成本问题，市场上仍然只有小部分银行与大的P2P平台进行合作，但实际上网贷平台所称的第三方支付和银行存管，依然只是履行代收代缴的职能。部分合作银行考虑到此种风险，会事前做出免责声明。但业内马骏认为，目前来看，这种存管并非一无是处，起码提高了诈骗平台的违法门槛。
利好创业
刘逸阳说，通过P2P平台，满标速度快，审核后一天左右就能放款，基于大数据基础，投资人的钱会很容易匹配到适合的项目，一个项目最快可能只要数秒就能满标。
因此该方式也便利了部分返乡创业的大学生。比如，当时福安一位大学生返乡创办了农博园，养起生态鹅，但销路成问题，通过当地市团委联系，该平台派人实地考察后，决定为其展开众筹，“即项目发起人通过平台发布筹款项目募集资金，资金募集成功后，发起人按约定的期限给予支持者对等的实物或服务的回报”。
记者了解到，在福州也有部分P2P平台主营大学生培训贷款的业务，内容含括出国英语、驾校、计算机培训等。
政策规定
2015年12月28日，银监会发布的《P2P监管细则暂行办法(征求意见稿)》以负面清单形式划定了业务边界，明确提出不得吸收公众存款、不得归集资金设立资金池、不得自身为出借人提供任何形式的担保等十二项禁止性行为，对打着网贷旗号从事非法集资等违法违规行为，要坚决实施市场退出，按照相关法律和工作机制予以打击和取缔，净化市场环境，保护投资人等合法权益。同时，《办法》对业务管理和风险控制提出了具体要求，实行客户资金由银行业金融机构第三方存管制度及控制信贷集中度风险等，防范平台道德风险，保障客户资金安全，严守风险底线。