In March of this year, the financial consumer Internet ushered in the warm policy, lending network (P2P) in a single month volume hit a record high, but several cases of Internet banking platform foot events become cacophony. Insiders said that 2016 is the first year of the development of China's Internet financial norms, but also the exposure period of the industry's risk concentration. With the advance of risk exposure and regulatory compliance, the Internet will return to a stable financial industry, investors also need to return to rational, reasonable determination of investment expectations.
Internet banking format includes payment, all the chips, product sales, P2P lending, etc.. With the Department of Shanxi and Kuailu Department of Internet financial platform have been an accident, the market for P2P began to doubt. Many P2P professionals said, P2P is not really an accident of these enterprises, P2P should not bear the blame". But it is undeniable that the current P2P as the representative of the Internet financial lending industry has entered the risk of concentrated outbreak. And the latest release of home of net loan the P2P net loan industry 3 monthly report "shows that March P2P platform number for 98, compared with February 74 is increased significantly. 3 months in the first quarter, the number of single month problems platform is more than the number of new platforms, resulting in a series of normal operation of the number of platforms decreased. From the point of view of the type of problem platform, the first quarter, including running, business, withdrawals are difficult, accounting for 49.23%, 37.69%, 11.54%.
Jane founder Lin Enmin believes that the rapid rise from a few years ago to today's frequent risk events, Internet banking is approaching a turning point in the industry boom. Behind this change is not only the cyclical changes in the Internet financial industry itself, but also the real economic asset quality changes, corporate and household sector assets and liabilities of the comprehensive reflection of the pressure. Due to the popularization of Internet banking users, civilians, by virtue of their knowledge of finance or financial literacy relatively difficult to scientific cognitive complexity behind the transaction structure of asset and liability structure and interest structure, the risk bearing capacity is not enough to deal with the complex financial products revenue fluctuations. Therefore, once Internet banking platform for credit risk, liquidity risk impact caused redemption pressure, mass run moment is often destroyed seemingly huge scale of Internet banking platform.
The State Council Development Research Center of Financial Research Institute deputy director chendaofu said that Internet banking is still the essential financial, under the background of the economic slowdown, with the deepening of the transformation of economy and finance, accumulated over the years the institutional contradiction, resources mismatch risks will constantly exposed.
Regulatory authorities for Internet financial innovation has been a tolerant attitude, but it will not be tolerated risk. Recently, there have been reports that the relevant departments will launch a nationwide special rectification of the financial sector in the Internet, for a period of one year. Remediation focus will involve network investment banking, Internet payment, network lending, equity financing, Internet fund sales, Internet insurance, Internet trust and Internet consumer finance and other formats.
In the two sessions this year, the people's Bank of China Vice President Chen Yulu said that this year will be carried out the special rectification of the Internet banking, uphold the fair competition, through regulation, to protect the interests of consumers etc. principle, identify risk points, and will be in the information fully grasp, risk recognition don't clearly based on, has occurred or potential financial risks of Internet issued rectification measures and take decisive action. Regulation, the sooner the better, more determined the better. Beijing, Shanghai, Shenzhen, Guangzhou, Hangzhou and other more developed Internet Financial City had been a move. The Shanghai municipal government on the 5th released "the city to further improve the prevention and disposal of illegal fund-raising and the implementation of the work of opinions", to further strengthen the daily supervision, pay close attention to the financial investment and lending network high risk areas of focus. From the beginning of 10, the Shenzhen municipal public security departments to take measures to net loan platform will be included in the regulatory requirements, P2P provides the main business positions including shareholders, responsible person, the number of users, the amount of the underlying type of information. Hangzhou City, 15 departments issued a document requires thorough investigation of illegal fund-raising, focusing on P2P.
President of the association of Internet banking China Li Dongrong previously disclosed, the association will actively participate in the activities of Internet regulation. The industry is expected, the industry rectification activities from the depository of funds and information disclosure in two aspects. The industry is expected, after the rectification, the Internet Financial Times "bad money drives out good money" will end, each branch of the Internet financial regulatory rules will be introduced.
China Investment Corporation, former deputy general manager, Wudaokou Finance Institute, Tsinghua University Professor Xie believes that the Internet banking supervision, the biggest challenge is technology. In order to adapt to the new trend of development, the regulation also should make corresponding adjustment. Internet banking supervision by people not. In many ways, Internet banking supervision is not the risk of supervision, but the supervision of the information, to use the technical means.
The NPC Financial and Economic Committee, deputy director of the committee, Wu Xiaoling said that regulate Internet banking, risk prevention should be the bottom line of thinking, to have the negative list management; second, we must strengthen the education of investors, investors should have ego to protect consciousness. It is reported that the China Internet Finance Association had held a seminar to discuss the Internet financial information disclosure specification (draft). "Standard" requirement, the P2P platform should be at least daily updated for the 21st operational information, including total transaction amount, total transaction number, the number of borrowers and investors amount, loan balance, the cumulative default rate, platform project overdue rate, nearly three months overdue items rate, borrowing overdue amount, compensatory amount, lending overdue rate, loans bad debts rate etc..