Single P2P platforms can only borrow $ 200,000 yuan per person, the industry: there are still unable to confirm-P2P, net loans-IT information

Over the weekend, a P2P credit limit message triggered heated discussion in the industry. Market sources said, the net borrowing information agency of the interim measures for the management of operational activities (hereinafter referred to as the interim measures) to be released which require lending should be mainly small in a single online lending platform, most personal loans of 200,000 yuan , most corporate loan of 1 million Yuan.

Industry sources say, Cap rumors could not be confirmed, but the likelihood is higher. Once the restrictions in accordance with the scale, most of the platform will be affected .

Industry or Cap

Market sources said, to be released in the interim measures, and the draft is different, net lending to the provisions of the interim measures should be mainly small, and borrowers ' borrowing limits are clearly defined: in a single online lending platform, most personal loan of 200,000 yuan, most corporate loan of 1 million Yuan. Different online lending platform, most personal loan of 1 million Yuan, while enterprise does not exceed 5 million Yuan.

Number of platforms in charge, told reporters, the rumor has not been confirmed, but the possibility exists, "essentially are sure (limits) for this article. "Platform for a Shenzhen official said.

Landmark financial CEO Liu Hsia wind is considered, in the absence of very accurate source, credibility is not very high. Draft for comment before the introduction, there are a variety of "exclusive information", later found that many did not deliver.

Last December, the China Banking Regulatory Commission in collaboration with the Ministry, Ministry of public security and information Office and other departments to ensure the drafting of the national Internet network credit information agency interim measures for the management of operational activities (draft for soliciting opinions) also pointed out that net lending should be small.

If true the vast majority of platforms or shock

At present, the industry remains relatively high, insiders believe that provisions on quota ceiling in the interim measures once introduced, will have an impact on most platforms.

"The highest personal borrowing 200,000 yuan from a single platform, enterprises of up to 1 million Yuan, the operation is not strong, is completely in line with the current situation of P2P development . From the draft of the interim measures to the last floor, there is a transition period, will give the platform modification time. "Liu Hsia wind believes that even if such provisions in the interim measures, will not be much impact on the platform.

Financial inclusion is considered, inclusive financial assets-side key is a small dispersed, thus a provision that would allow the Internet further financial return to the inclusive nature of financial, conform to the trend of inclusive financial, to effectively reduce risk, promote the healthy development of the industry as a whole. "At present, the part marked as the primary platform in the industry will face a lot of pressure, but the industry as a whole, this is a good thing. ”

"The final positioning of such net credit for inclusive finance, micro-dispersed. In fact, from the experience in the West, P2P microfinance is positioning. Obviously, credit of automobile consumption loan business network platform will be more in line with the rule requirements. "One Bao credit CEO said Luo Haojie.

单一P2P平台每人只能借款20万元，业内人士：尚无法证实 - P2P,网贷 - IT资讯

上周末，一则P2P借贷额度将设上限的消息在行业内引发热议。市场消息称，《网络借贷信息中介机构业务活动管理暂行办法》（以下简称《暂行办法》）即将发布，规定网络借贷金额应以小额为主，在单一网贷平台，个人最多借款20万元，企业法人最多借款100万元。

业内人士称，上限传言尚无法证实，但可能性较高。一旦按照该尺度进行限制，绝大部分平台将受影响。

业内称或有上限规定

市场消息称，《暂行办法》即将发布，与征求意见稿不同的是，《暂行办法》规定网络借贷金额应以小额为主，并明确划定了借款人的借款上限：在单一网贷平台，个人最多借款20万元，企业法人最多借款100万元。在不同网贷平台，个人最多借款100万元，而企业法人不超过500万元。

多家平台负责人对记者表示，该传言尚未经过证实，但是存在可能性，“基本上是已经确定会有（限额）这一条规定了。”一位深圳平台负责人表示。

而地标金融CEO刘侠风则认为，由于没有看到十分准确的信源，可信度不是很高。征求意见稿出台前，也有各种“独家信息”，后来发现很多并没有兑现。

而去年12月，银监会会同工信部、中国公安部、国家互联网信息办公室等部门研究起草的《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)》也曾提出，网络借贷金额应当以小额为主。

如属实绝大部分平台或受冲击

目前，业内大标依然占比较高，有业内人士认为，《暂行办法》关于限额上限的规定一旦出台，将对绝大部分平台造成影响。

“个人最高从单一平台借20万元，企业法人最高100万元，操作性不强，已经完全不能符合现在P2P发展的实际情况。而从征求意见稿到《暂行办法》到最后落地，都有一个过渡期，会给平台整改时间。”刘侠风认为，即使《暂行办法》有如此规定，对于平台的影响也不会太大。

万惠金融则认为，普惠金融在资产端的关键是小额分散，因此这一规定使得互联网金融进一步回归普惠金融的本质，顺应普惠金融的大趋势，有利于有效降低风险，促进整个行业的健康良性发展。“目前，业内部分以大标为主的平台将面临不小的调整压力，但对整个行业来说，这是一件好事。”

“这样网贷的最终定位为普惠金融、小额分散。其实从国外的经验来看，P2P就是定位小额信贷。很明显，开展汽车消费贷这种业务的网贷平台会更符合细则要求。”壹宝贷CEO罗浩杰表示。