It can't fill: P2P, after leaving 10%-P2P, net loans-IT information
P2P in the past two years has staged numerous myths, slipper, grass-roots high school male turned to wear watches, suits, P2P elite, practitioners to move salary multiplied several times a year ... ... However swift this year into the normative regulation for years. Against the private investment management, P2P, real estate, private equity and other key areas of regulatory storm was set off illegal fund-raising. On April 27, the ministries are involved in the disposal of illegally raised funds by 14 countries the Inter-Ministerial Joint Conference held in Beijing.
"Investment consulting, Internet banking, third-party financing and other industries have no clear rules, can easily be misused, the name of ' new business ' and ' financial innovation ', a cover for illegal fund raising. "The Inter-Ministerial Joint Conference Office official said, will focus on illegal fund-raising nationwide special rectification activities carried out in the second half.
Supervision tightened, Internet banking has been entirely different from hot a few years ago, industry Division has also intensified. "Covered with Internet financial coat" institutions with new Internet technology-driven financial company is sort.
And as the industry shifted from crazy calm, many P2P platform are thought to fall back. "90% will be eliminated eventually left only 10%. "A P2P executives told reporters in Shenzhen, judging from the direction of the supervision and regulation of most P2P will be out.
Most regulatory storm focused on "to fight against"
Suspended registration, check, rectify the mutual gold comprehensive advertising, establishing "one household, one" ... ... All the heavy signal showing: after a brutal financial growth of the Internet industry is suffering from the most stringent regulatory turmoil. Policies frequently, step by step.
On April 13, the Administration for industry and commerce, in conjunction with 17 departments published on Internet financial advertising and on behalf of the investment risk in financial activities special rectification work programme, rectification of financial advertising on the Internet.
According to the arrangement, the Inter-Ministerial Joint Conference will continue in between May to July national arrested for illegal fund raising information information investigation and cleanup activities, and strengthen the review and supervision of alleged illegal fund-raising ads.
On April 14, the Organization 14 ministries and television Conference held by the State Council, started a nationwide rectification of the financial sector on the Internet for a period of one year. The same day, the Central Bank introduced the Internet special rectification work programme of financial risks, including third-party payment, online investment management, P2P networks lending, stock raising, and special insurance within the scope of the Internet.
The morning of April 19, General Secretary of the CPC Central Committee, State President, Chairman of the Central Military Commission, the central network security and information technology XI Jinping, head of the leading group in the Beijing-hosted network security and information technology Symposium and delivered an important speech, she said that "e rent treasure that happened some time ago, Jin case, ' financial ' illegal fund-raising in the name, to the masses to serious damage to property, social impact is very bad".
The morning of April 27, "disposal of illegally raised funds Inter-Ministerial Joint Conference" organized 14 Member unit "prevention and disposal of illegally raised funds law policy advocacy seminar" starting in 2016 National Guard illegal fund raising awareness month activities.
The China Times reporter learned that, because of special effects, originally scheduled for the formal introduction of net borrowing management approach during the year or extended release. Recent regulatory priorities is to combat illegal fund-raising.
According to the Office of the Inter-Ministerial Joint Conference statistics, 2015 national number of new incidence of illegal fund-raising, the amount of money involved, participate in fund-raising numbers respectively increased by 71%, 57%, 120%, over the peak, across provinces, raising the number of thousands of people rose more than million cases respectively, the amount of funding, and 73%, and 44%.
Data shows that by March 2016, today set up a network of P2P lending platform in China has reached 3,984, 1523 companies closed down or running, issue platforms up to 38% per cent.
Regulation of curtain
In addition to the recent tough regulation is coming, on P2P also hung a large sword, following a business management approach.
In December 2015, China Banking Regulatory Commission jointly with the industry and information technology Ministry, Ministry of public security issued a circular network, such as credit information agency interim measures for the management of operational activities (draft for soliciting opinions), which is commonly known as the "regulatory framework" platform for a transitional period of 18 months. The requirements most of the platforms has been filtered out.
"Bank deposit will filter out most of the article. "In the eyes of the Shenzhen P2P executives, bank deposit on the platform was actually an endorsement, so Bank on platform requirements are very high.
"Bank high requirements on the platforms barriers, shareholder background, business models, large and medium banking requirements for registered capital of no less than 50 million Yuan. "P2P platform-fine blend of Yang Chengdian, General Manager of Shenzhen said to the reporter, its fine blend has now reached a cooperation agreement with China CITIC Bank realizes banking deposit business.
"Disclosure" this provision makes a part of the platform cannot show true, Guangzhou finance guarantee Association issued a document saying, P2P networking platform prevailing high interest rate returns, false item, false propaganda, pools and other irregularities.
"The industry must establish a licensing regime, whether China's current status, or is combined with United States experience, the financial decentralization cannot simply, is to be incorporated into your daily routine monitoring, threshold, a licensing regime, daily supervision. "In Internet financial Association of Guangzhou, Guangzhou Fang Song, President of e-loan, P2P and other private finance had no threshold, resulting in cohabitation, final payment risk occurs frequently.
Some platforms is accelerating the sky, other formal act, no strength platform ready for the worst, brooding bad whether wound up retreats. There are very few professional and powerful platform secretly applaud, after treatment will be more "cake".
P2P has a number of surveyed executives expected, 90% or even 95% platform to be regulation of the game, and also believed that at the beginning of the game is about 80%.
In fact, some P2P-related parties have begun, distanced relationship with P2P. Recently, Guangzhou finance guarantee Association issued prohibiting financial guarantee companies in the P2P security business in the city as well as a stake in P2P companies.
Obviously, companies involved in such acts it is difficult to survive. "Rules can't touch clients ' funds, many P2P is now touching the customer's funds are false, took Money cheated; the other does is lend, but split again in the form of pool, this touched the money into their own money, could not resist the temptation. "The Shenzhen P2P executives believe that if you do not adhere to the intermediary, corresponding to items one by one, but dagankuaishang, eventually end hole is hard to fill.
Some platforms, adherence to the bottom line at the outset, but bad debts are too high cannot fallback, finally played out. This reporter was informed that some strict risk control, like tens of millions of capital, its business lever 3 times or 5 times times, will not dare to do, worry that risk cannot be overwritten. Current platform Executive in calculating bad debt, plans to prepare for the worst. This part of the settlement, is still perfectly turned and walked away, but will be unable to clean out.
" Like the capital of tens of millions of you loan a few million, but bad debts much not much you fill to fill the whole capital, then how can hang out? "The Shenzhen P2P executives said.
这坑没法填：P2P整顿后可能只剩10% - P2P,网贷 - IT资讯
P2P过去两年曾上演无数神话，穿拖鞋、中学毕业草根男摇身变为戴名表、穿西装的P2P精英，从业者跳槽工资一年翻数倍……然而今年转眼便进入了规范整治年。一场针对民间投资理财、P2P、房地产、私募基金等重点领域非法集资的监管风暴正在掀起。4月27日，由14个国家部委参与的处置非法集资部际联席会议在北京召开。
“投资咨询、互联网金融、第三方理财等行业领域还没有明确的监管规则，极易被不法分子利用，打着‘经济新业态’、‘金融创新’等幌子进行非法集资。”部际联席会议办公室相关负责人称，下半年将围绕非法集资开展全国专项整治活动。
监管收紧，互联网金融已经与几年前的火热大相径庭，行业分化也因此加剧。“披着互联网金融外衣”的机构与技术驱动的新型互联网金融公司已经是云泥之别。
而随着行业由狂热转向冷静，许多P2P平台都在思考退路。“九成都会淘汰，最终剩下可能只有一成。”深圳某P2P高管告诉记者，从监管与整治的方向来看，绝大多数P2P都会出局。
最强监管风暴重点“打非”
暂停工商注册、全面进行检查、整顿互金广告、建立“一户一档”……种种重磅信号显示：经历了野蛮生长的互联网金融行业正遭遇最严监管风暴。政策出台频频，步步加紧。
4月13日，工商总局就联同十七部门印发《关于开展互联网金融广告及以投资理财名义从事金融活动风险专项整治工作实施方案》，开展互联网金融广告专项整治工作。
根据安排，部际联席会议也将在5月到7月间继续开展全国涉嫌非法集资广告资讯信息排查清理活动，同时加强对涉嫌非法集资广告的审查和监管。
4月14日，国务院组织14个部委召开电视会议，在全国范围内启动有关互联网金融领域的专项整治，为期一年。同日，央行出台《互联网金融风险专项整治工作实施方案》，包含第三方支付、线下投资理财、P2P网络借贷、股权众筹、互联网保险等都在专项整治范围之内。
4月19日上午，中共中央总书记、国家主席、中央军委主席、中央网络安全和信息化领导小组组长习近平在京主持召开网络安全和信息化工作座谈会并发表重要讲话，提到“前段时间发生的e租宝、中晋系案件，打着‘网络金融’旗号非法集资，给有关群众带来严重财产损失，社会影响十分恶劣”。
4月27日上午，“处置非法集资部际联席会议”14个成员单位组织召开“防范和处置非法集资法律政策宣传座谈会”，启动2016年全国防范非法集资宣传月活动。
《华夏时报》记者了解到，因为专项整治的影响，原定于年内正式出台的网络借贷管理办法或将延期发布。而近期监管重点工作仍是打击非法集资。
根据部际联席会议办公室统计，2015年全国非法集资新发案数量、涉案金额、参与集资人数同比分别上升71%、57%、120%，达历年最高峰值，跨省、集资人数上千人、集资金额超亿元案件同比分别增长73%、78%、44%。
相应数据显示，截止到2016年3月份，国内累计成立的P2P网贷平台已达3984家，有1523家公司出现倒闭或者跑路，问题平台占比高达38%。
整治大幕拉开
除了最近严厉整治来临，P2P头上还悬着一把大剑，即此前公布的行业管理办法。
2015年12月，银监会会同工业和信息化部、公安部等下发了《网络借贷信息中介机构业务活动管理暂行办法（征求意见稿）》，也就是行业俗称的“监管细则”，平台的过渡期有18个月。这其中的种种规定已将绝大部分平台过滤出局。
“银行存管这一条就滤掉大部分。”在上述深圳P2P高管看来，银行存管实际上对该平台进行了背书，所以银行会对平台要求非常高。
“银行对平台准入门槛要求高，要看股东背景、业务模式，大中型银行对注册资本金要求不低于5000万元。”深圳P2P平台——精融汇总经理杨盛钿对本报记者介绍称，其所在的精融汇目前已与中信银行达成合作协议，实现了银行存管业务。
“信息披露”这一规定又使相当部分平台无法露真容，广州市融资担保行业协会发文称，P2P网络平台普遍存在高息回报、虚假项目、虚假宣传、设立资金池等违规行为。
“行业必须要建立牌照制，不论是中国目前的现状，还是结合美国的经验，金融不能简单地简政放权，还是要纳入日常监管，要有门槛，有牌照制，有日常监管机制。”在广州互联网金融协会会长、广州e贷总裁方颂看来，P2P等民间金融此前无门槛进入，导致鱼龙混杂，最终兑付风险频现。
一些问题平台正在加速现形，另一些正规行事、没有强劲实力的平台也做好最坏打算，盘算坏账看能否清盘全身而退。只有极少数专业且有实力的平台暗暗拍手叫好，整治之后将会分到更多“蛋糕”。
有多位受访的P2P管理人士一致预期，九成甚至九成五的平台都要被整治出局，而年初还认为出局的为八成左右。
事实上，目前一些与P2P相关方已经开始撤退，撇清与P2P的关系。近日，广州市融资担保行业协会发文，禁止该市融资担保公司参与P2P担保业务以及入股P2P公司。
可见，涉及上述行为的公司很难继续运作下去。“规定不能碰客户资金，现在很多P2P都是碰了客户的资金，一类是做假标，把钱骗了就花了；另一类确实还是借钱给别人，但以池子的形式再去拆标，这个碰着碰着就把钱变成自己的钱了，经不住诱惑的。”上述深圳P2P高管认为，如果不坚持做中介、项目一一对应，而是追求大干快上，最终无法收场，窟窿很难填上。
还有一部分平台，一开始就严守底线，但是坏账过高无法兜底，最后玩不下去了。本报记者获悉，一些平台严加风控，比如数千万的资本金，其业务杠杆在3倍或者5倍，就不敢往上做了，担心无法覆盖风险。目前已有平台高管在计算坏账，做好最坏的打算。这部分能够清算离场的，仍是完美转身离去，而更多将是无法干净脱身。
“比如资本金数千万，你放款几个亿，但坏账多了你把资本金全填进去也填不了多少，那么大的坑怎么能够出来呢？”上述深圳P2P高管称。