Shanghai introduced the first P2P information disclosure rules: publicity projects up to 49-P2P, net loans-IT information
IT information news on May 19, today, the Shanghai Internet Banking Association issued the Shanghai individual lending (P2P) platform guidelines on disclosure of information (hereinafter referred to as the guidelines on the disclosure of) the specific rules, and to establish guidelines on the disclosure of the work programme of the working mechanism on a regular basis. Requires Association of 217 members 87 platform institutions before May 26 to submit additional information besides the platform now has to disclose information, a total of 49 records.
Lending platform for P2P network to run in recent years, illegal fund raising events occurred frequently, Internet financial management should be more strict. The introduction of the guidelines on the disclosure, from industry, enables P2P network information in the loan industry more transparent, allowing for the public or investors in the case of transparent, provide a reference for its investment and more dimensions.
According to the previous report, the guidelines on the disclosure of information indicators and weights, respectively, subject information (20%), (25%), business information (30%) and financial information (10%), (15%), five types of 49.
In accordance with the guidelines on disclosure, is expected to disclose Member information is divided into three stages: the first stage is a platform for information disclosure, the second stage of society on the basis of information disclosure will give platform stars, ranking third phase will be graded.
It is learnt that the disclosure will be real disclosure, encourages disclosure and voluntary disclosure principles, net lending Enterprise responsible for the disclosure of information is true, accurate, complete, ensure that public disclosure of information without false, a seriously misleading, without material omissions, and bear the corresponding legal responsibility. The guidelines on the disclosure of records related to linkages with member access, maintenance of membership, will also serve as the basis for outstanding Member Award.
Has exposure following the guidelines on the disclosure of details:
, Subject information (weight 20%) (including, but not limited to)
1, and basic situation weight 5%, specific disclosure information respectively for established time, and registered capital, and registered address, and Office places, and branch institutions, and contact way (weight for 2%); license, and about business license, involved enterprise business qualification of card as (weight for 2%); near three years get government sector, and industry organization, recognition, and award situation, and the near three years by about government sector processing, and punishment, situation (weight 1%).
2, the main shareholders and actual controllers (weight 5%)
3, and corporate governance and the Director, and prison thing, and senior management personnel situation (weight 5%): shareholders Assembly, and Board, and prison thing (will) sound and the operation situation (2%); and company director, and prison thing, and senior management personnel of practitioners experience, and professional background situation (including whether trained about administrative, and criminal punishment, and has no bad of credit records) (weight 3%).
4, employees (weighted 5%): staff numbers and age, education structure (1%), team management (1%), risk management (2%) and the IT team building (1%).
Second, the product information (weight 25%) (including, but not limited to)
1, the main product (service) category (5%): the main product (service) category (2%) and its description (product term, charges for platform, standard) (3%).
2, and various products (service) type (20%): each class products (service) basic trading structure (3%) and the risk tube control mode (3%); corresponds to based assets source, situation (financing people basic information including but not limited to income, and main property, and main debt, and credit report (5%); financing project basic information, including but not limited to project name, and type, and main content, and location, and approval file, and repayment source, and borrowing uses, and borrowing amount, and borrowing term, and repayment way and the interest rate, and Credit rating or credit score, secured (5%); investors earnings, risk situations (4%).
Third, business information (weight 30%) (including, but not limited to)
1, transaction (5%): the main product (service) total transaction amount and the contract number (2%), turnover in the current year and transaction number (3%).
2, transaction balances (5%): the main product (service) outstanding trade balance (calculated according to the investor's principal, excluding interest; should be reduced by a third party or the amount of compensatory transactions platform itself (5%).
3, transaction concentration (5%): maximum platform financing financing balance, accounting for more than (3%) and top financier of the platform balance, proportion of total financing (2%).
4, the transaction is overdue (5%): the main products for more than 90 days overdue (1%), for more than 90 days overdue rate (2%).
(1), the amount overdue for more than 90 days overdue more than 90 days (inclusive) of transactions balances.
(2), the rate was more than 90 days overdue more than 90 days overdue amount divided by the trade balance.
(3), the cumulative rates for more than 90 days past due more than 90 days overdue amount divided by the cumulative turnover of the product history.
(4) the numerator and denominator above are calculated according to the investor's principal, excluding interest, while deducting amounts by third parties or their trading platform adaptation.
(5) instalments transactions, late payment of more than 90 days for the first time (included), all outstanding principal shall take into account for more than 90 days overdue.
5, platform, customer (5%): borrowing the platform-side registration number (2%), investment-side registration number (2%), customer complaints (1%)
6, operations reports: periodic disclosure reports to the public in the form of announcement (5%).
Four, financial information (weight 10%) (including, but not limited to)
1, financial reporting (5%): the annual financial statements, auditor's report (5%)
2, customer financial clearing and settlement (deposit, custody) (5%): capital clearing and settlement (deposit, custody) (2%); funds, transfer flow link, to accounts of the time, such as (3%)
Five, other information (weight 15%) (including, but not limited to)
1, information system (5%): platform development and construction of information systems, upgrades, maintenance, information security (1%), data storage, backup (2%) as well as external professional certification, safety assessment, such as (2%).
2, cooperation agencies (3%): investors trading assets for the platform (2%), or provide guarantees, insurance and other services for insurance companies, small loan companies, guarantee companies, such as the basic conditions (1%) (includes operating history, availability of relevant business qualification, licensing, capital strength, industry influence, etc).
3, credit rating (2%): by a qualified independent third party credit rating agencies of the main credit rating (2%).
4, and customer loss compensatory prepared pay gold related situation (5%): disclosure (update) prepared pay gold meter mention, and paid rules (1%); at least Yu monthly 10th Qian, disclosure as Shang month cumulative meter mention amount, and cumulative spending amount, and prepared pay gold balance, and corresponds to bear loss responsibility of investment balance, and funds managed Bank, and account, (2%); should while publicity managed Bank on Bill or Bank managed report (2%).
In this regard, there is head of the platform that, up to now, most P2P platforms are losing money. If disclosure of earnings, is likely to spark investor panic, even worry that the platform will run, resulting in needless trouble.
In addition, some consumer finance platform, if released sensitive information such as customer name, geographical location, or involves disclosure of personal privacy.
Also, part of the P2P platform for funds lent to some large group, but the latter is usually based on grounds of commercial confidentiality does not want foreign disclosure.
"We recommend to the Association regularly directed disclosure to facilitate Association and regulators to understand the platform information, rather than a mind fully open to the public. "The official said.
上海出台全国首个P2P信息披露细则：公示项目达49个 - P2P,网贷 - IT资讯
IT资讯讯 5月19日消息，今天，上海市互联网金融协会公布了《上海个体网络借贷(P2P)平台信息披露指引》(下称《披露指引》)的具体细则，并建立了《披露指引》工作方案与定期工作机制。要求协会217家会员中的87家平台机构5月26日前报送除平台现已经披露信息以外的其他信息，总共49项信息。
近些年P2P网贷平台跑路、非法集资事件屡屡发生，对于互联网金融的管理也应该日趋严格。《披露指引》的出台，从行业而言，能够让P2P网贷行业中的企业信息更加透明，从而能够为公众或投资者在透明的情况下，提供一个供其在投资时参考和比较的维度。
据此前报道，本次《披露指引》的信息披露指标和权重分别为，主体信息（20%）、产品信息（25%）、业务信息（30%）、财务信息（10%）、其他信息（15%），五大类49项。
根据《披露指引》，会员单位进行信息披露工作预计分三个阶段：第一个阶段是平台进行信息披露，第二个阶段协会根据信息披露情况会给平台打星，第三个阶段会给评分排名。
据悉，披露工作将以真实披露、鼓励披露和自愿披露为原则，网贷企业应对所披露信息的真实、准确、完整性负责，确保公开披露信息的内容无虚假、无严重误导、无重大遗漏，并承担相应法律责任。《披露指引》的相关情况记录将与会员准入、会员资格维持等挂钩，也将作为优秀会员单位评选的依据。
以下是已经曝光的《披露指引》细节：
一、主体信息（权重20%）（包括但不限于）
1、基本情况权重5%，具体披露信息分别为成立时间、注册资本、注册地址、办公场所、分支机构、联系方式（权重为2%）；营业执照、有关业务许可证等涉及企业经营资质的证照（权重为2%)；近三年获得政府部门、行业组织等表彰、奖励情况，及近三年受到有关政府部门处理、处罚等情况（权重1%）。
2、主要股东及实际控制人情况（权重5%）
3、法人治理及董事、监事、高级管理人员情况（权重5%）：股东大会、董事会、监事（会）健全及运作情况（2%）；以及公司董事、监事、高级管理人员的从业经历、专业背景情况（包括是否受过有关行政、刑事处罚、有无不良的信用纪录）（权重3%）。
4、员工情况（权重5%）：员工人数及年龄、学历结构（1%）；团队管理情况（1%）；风险控制（2%）及IT团队建设情况(1%)。
二、产品信息（权重25%）（包括但不限于）
1、主要产品（服务）种类（5%)：主要产品（服务）种类（2%）及其描述（产品期限情况、平台收费方式、标准）（3%）。
2、各类产品（服务）种类（20%)：每类产品（服务）基本交易结构（3%）及风险管控模式（3%）；对应基础资产来源等情况（融资人基本信息包括但不限于年收入、主要财产、主要债务、信用报告（5%）；融资项目基本信息，包括但不限于项目名称、类型、主要内容、地理位置、审批文件、还款来源、借款用途、借款金额、借款期限、还款方式及利率、信用评级或信用评分、担保情况（5%）；投资人收益、风险情况（4%）。
三、业务信息（权重30%）（包括但不限于）
1、交易发生情况（5%）：主要产品（服务）累计成交金额及成交笔数（2%）、当年成交金额及成交笔数（3%）。
2、交易余额情况（5%）：主要产品（服务）尚未结清交易余额（按投资人本金计算，不含利息；应扣除由第三方或平台自身代偿的交易金额（5%）。
3、交易集中度情况（5%）：平台最大融资人融资余额、占比情况（3%）；平台前十大融资人合计融资余额、占比情况（2%）。
4、交易逾期情况（5%）：主要产品90天以上逾期金额（1%）、90天以上逾期率（2%）。
（1）、90天以上逾期金额为逾期90天以上（含）的交易余额。
（2）、90天以上逾期率为90天以上逾期金额除以交易余额。
（3）、90天以上累计逾期率为90天以上逾期金额除以该产品历史累计成交金额。
（4）以上分子、分母均按投资人本金计算，不含利息，同时可以扣除已由第三方或自身平台代偿的交易金额。
（5）分期还款交易，首次未按时还款已逾90天（含），全部未偿还本金均应计入90天以上逾期金额。
5、平台客户情况（5%）：平台借款端注册人数（2%）；投资端注册人数（2%）；客户投诉情况（1%)
6、运营报告：定期以公告形式向公众披露运营报告（5%）。
四、财务信息（权重10%）（包括但不限于）
1、财务报告（5%）：上年度会计报表、审计报告（5%）
2、客户资金清结算（存、托管）情况（5%）：客户资金清结算（存、托管）机构（2%）；资金冻结、划转流程环节、到账时间等（3%）
五、其他信息（权重15%）（包括但不限于）
1、信息系统情况（5%）：平台信息系统的开发建设、升级维护、信息安全情况（1%），数据存储、备份情况（2%）以及外部专业认证、安全等级评定情况等（2%）。
2、合作机构情况（3%）：为平台投资人提供相关交易资产（2%），或为提供担保、保险等服务的保险公司、小贷公司、担保公司等机构基本情况（1%）（主要包括经营历史、是否具备相关业务资质、牌照、资本实力、行业影响力等）。
3、信用评级情况（2%）：由具备相应资质的独立第三方信用评级机构评定的主体信用等级（2%）。
4、客户损失代偿备付金相关情况（5%）：披露（更新）备付金计提、偿付规则（1%）；至少于每月10日前，披露截至上月末累计计提金额、累计支出金额、备付金余额、对应承担损失责任的投资余额，以及资金托管银行、账号等（2%）；应同时公示托管银行对账单或银行托管报告（2%）。
对此，有平台负责人认为，截至目前，大多数P2P平台都是亏损的。如果披露财报的话，有可能会引发投资人的恐慌情绪，甚至担心平台会跑路，从而带来不必要的麻烦。
此外，对于部分消费金融平台而言，如果公布客户名称、地理位置等敏感信息的话，或涉及到个人隐私的泄露。
还有，部分P2P平台资金是借给一些大集团，但后者通常以商业机密为由不希望对外进行披露。
“我们建议向协会定期定向披露便于协会和监管层及时了解平台信息，而不是一古脑全部对外公开。”该负责人称。