Guangzhou finance guarantee Association members in cooperation with P2P-ban, it tube? -Guarantees-IT information

Security industry in Guangzhou are cut off from the P2P cooperation to prevent risk contagion. Guangzhou finance guarantee Association recently published the Convention on the prohibition of the city secured financing companies in the P2P network platform business notice (hereinafter the notice). Of the notification for the first issue a request to the credit guarantee Association members cut off security companies work with P2P. The circular points out that P2P network prone to illegal fund-raising, and prohibit the financing companies in the P2P network platform operations.

Association: ban for P2P security

Recently, the country risk events are frequent P2P network platform, platform consolidation efforts have increased around P2P network, to stop P2P platform for new registrations. P2P Internet platform prevailing high interest rate returns, false item, false propaganda, pools and other irregularities, prone to risks such as illegal fund-raising.

This background Xia, Guangzhou financing guarantees Association of notification "in national level on P2P platform regulatory rules official issued Qian", proposed has three items "ban", including: ban for P2P network platform provides financing guarantees, and litigation preservation, business; ban financing guarantees company and shareholders, and associated party holding or shares P2P network platform; ban P2P network platform as financing guarantees company of funded shareholders.

In fact, viewed from the P2P industry, credit guarantee companies close cooperation with P2P. One P2P platform head said, practitioners within see, financing sex guarantees company and P2P of cooperation main through two species form exists, a is financing sex guarantees company for P2P platform of project for increased letter, once project appeared problem, by financing sex guarantees company for ahead of honour; II is P2P platform of project by financing sex guarantees company recommended, through P2P platform for financing, and on project provides guarantees.

Business model based on the two forms of cooperation between P2P and guarantee companies, many actually exists on the equity relationship . Guangzhou Finance Association, said Fang Song, President of the Internet, there is a considerable part of the P2P platform established by the guarantee corporation directly or indirectly, equity relationships with associated security company also see it from the surface, easy to confuse investors.

Association issued a binding to be seen

Guangdong southern financial Academy-General Xu Bei believes that credit guarantee company shares or participating in P2P real business is prone to moral and business risk, but the fact that many powerful financial holding group or financial groups of the same shareholders controlling more than one licence. How to define and control this type of institution, really test the wisdom of regulators.

It is reported that the Association of the notification for the first request to the financing guarantee members cut off security companies work with P2P. Fang Song believes that file, is to prevent the risks of financing companies and other financial passed to P2P.

"Member of the Industry Association issued a binding is difficult to judge. "Credit Association, Guangdong Province, Xu Shiming said in an interview yesterday, with a new online now the platform with four warranty companies the existence of cooperation, one of the security companies is financing guarantee company in Guangzhou, but business has not been affected .

广州融资担保协会禁会员单位与P2P合作，管得住？ - 担保 - IT资讯

广州担保行业正在切断来自P2P的合作，防止风险传染。广州市融资担保行业协会近日发布了《关于禁止我市融资担保公司参与P2P网络平台相关业务的通知》(下文简称《通知》)。该《通知》为全国首个协会向融资性担保会员发出要求切断担保公司与P2P的合作。《通知》指出，P2P网络平台极易发生非法集资等行为，为此禁止融资担保公司参与P2P网络平台业务。

协会：禁止为P2P担保

近期，全国P2P网络平台风险事件频发，各地纷纷加大P2P网络平台整顿力度，多地叫停P2P新平台注册。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，极易发生非法集资等风险。

在此背景下，广州融资担保协会的《通知》“在国家层面关于P2P平台监管规则正式下发前”，提出了三项“禁止”，包括：禁止为P2P网络平台提供融资担保、诉讼保全等业务；禁止融资担保公司及其股东、关联方控股或参股P2P网络平台；禁止P2P网络平台作为融资担保公司的出资股东。

事实上，从P2P行业看，融资性担保公司与P2P的合作十分紧密。一位P2P平台负责人表示，从业内看，融资性担保公司与P2P的合作主要通过两种形式存在，一是融资性担保公司为P2P平台的项目进行增信，一旦项目出现问题，由融资性担保公司进行提前兑付；二是P2P平台的项目由融资性担保公司推荐，通过P2P平台进行融资，并对项目提供担保。

而基于上述两种形式的业务模式合作的P2P和担保公司，不少实际上在股权上存在关联关系。广州互联网金融协会会长方颂表示，有相当部分的P2P平台由担保公司直接或间接设立，其与关联担保公司的股权关系从表面还看不出来，容易迷惑投资者。

协会发文约束力待观察

广东南方金融创新研究院秘书长徐北认为，融资性担保公司参股或参与P2P实际业务的确容易产生道德及经营风险，但事实上，很多有实力的金控集团或者类金融集团都存在同一股东控制多个牌照的现象。如何界定和监管这一类型的机构，的确很考验监管单位的智慧。

据悉，该《通知》为全国首个协会向融资性担保会员发出要求切断担保公司与P2P的合作。方颂认为，文件的作用，是防止融资担保公司等类金融的风险传递给P2P。

“行业协会发文是否对于会员单位具有约束力目前难以判断。”广东省信用协会副会长许世明昨日接受采访时表示，以新联在线为例目前该平台与四家担保公司存在合作，其中一家担保公司正是广州融资性担保公司，但目前业务并未受到影响。