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Original Title: Around 5,000 P2P Authorization Supervisors Announced: Statement of National Real Operational Online Lending Institutions
The popular P2P online loan has officially retired from the stage of history. November 27, Head of the China Banking and Insurance Regulatory CommissionattorneyLiu Fushou at the 2021 “Caijing” Annual Conference: Forecast andstrategy“It was revealed thatThe InternetFinancial risks have been drastically reduced. Currently operating P2P online lending institutions across the country have been gradually reduced from around 5,000 during the peak period to completely zero in mid-November this year. This has left many people wondering with emotions: What will happen after these approximately 5,000 institutions leave the online lending business?investmentOutsideborrowCan the loss of funds be recovered?
The scale of indebtedness and the number of participants decreased for 28 consecutive months
Public information shows that the first online P2P lending platform in China was established in 2006. But in 2018, P2P has frequent problems.Internet bankingSpecial risk rectificationjobsAs of 2016, online loans are one of the key rectification areas. At the end of 2018, the regulator issued the “Regarding the classification and disposal of online credit institutionsopinion“(Known as” Circular 175 “), it is proposed that online credit institutions” can be repaid and repaid, and should be closed, “and then the regulatory” clearance signal “has become increasingly clear.
Since the beginning of this year, the China Banking and Insurance Regulatory Commission has continued to disclose the progress of P2P online lending institutions. In August, Guo Shuqing, chairman of the China Banking and Insurance Regulatory Commission, revealed that by the end of June 2020, the number of online P2P lending institutions in the country dropped to 29; In September, Feng Yan, deputy director of the Inclusive Finance Department of the China Banking Regulatory Commission, revealed that by the end of August 2020, the country is operating. There are 15 lending institutions online; In October, Liang Tao, vice chairman of the China Banking and Insurance Regulatory Commission, stated that the Internet’s financial risk situation has fundamentally improved and that the number of P2P online lending institutions actually operating across the country dropped to six at the end of September; On November 6, Liu Fushou said: The actual operation of P2P online lending institutions across the country has been reduced to the current three, and the scale of lending and the number of participants has decreased for 28 consecutive months.
Where did P2P go? Transformation of some online credit institutions
In the face of strong regulatory tightening, a large number of problematic platforms have been closed, some platforms have come out benignly and some P2P platforms have embarked on the path of transformation. The reporter noted that while Circular 175 clarified that “ you can refund and withdraw, it should be closed ”. At the same time, he also pointed out three transformation directions for online loans: small online loans and licensed loans.consumptionfinancialthe companyOr loan assistance agencies.
Many P2P online lending institutions have been approved by the local financial supervision office to attempt to transform into small lending businesses.shareholderP2P with stronger track records even directly apply for consumer finance licenses, as the largest P2P in the country,Ping An from ChinaBelowLufaxApplied for the establishment of Ping An Consumer Finance Company and continued to developCreditdeal.
“However, transforming P2P into chartered institutions is not an easy task. The” Interim Measures for Online Microfinance Business Management (Draft for Comments) “recently published by supervision and management have significantly increased the threshold for small loan licenses and has also provided opportunities for P2P seeking transformation. More restrictions. ” An industry expertto acceptSaid the reporter in an interview.
The main direction of the P2P transformation is to focus on loan assistance. Internet technology companies provide licensees with diversion, risk control, and post-loan management.Service. Today, many online loans have chosen to transform their loans. On October 12, Paipaidai (has changed its name “Xinye Technology“)launchingadHe said that as of September 2020, it has been completedValuesThe clearing and exit business, has been successfully transformed into a loan assistance platform and is committed to providingBorrowerMatch funds from the appropriate authorized financial institutions.
November 10Jiayin jinkeIts online lending platform “You Me Loan” also announced that the P2P loan balance has been paid off and that all loan usersprincipalAnd the expected revenues have been paid.The full resolution of the network’s equity business marks the company’s farewell to the P2P business model and also marks the parent companyJiayinjinkeComplete transformation into a fintech company.
However, the aforementioned industry experts also believe that transforming credit assistance is not an easy task. Tighter supervision of the credit assistance business has led toBankThe credit assistance business has hardened.
Repayment does not affect loanscontractRights and legal obligations of the parties
It is worth emphasizing that it is not that the pressure of the actual operating platform drops to zero and the loan is completed online. At present, the funds of some platform lenders have not been recovered, how to solve the problem of the funds of these lenders will be the key and difficult point in the repayment of online loans.
“The withdrawal of the online loan platform does not affect the legal rights and obligations of the parties who have signed a loan contract. The legality formed by the lender and the borrower in the online loan platformClaim (esThe debt relationship is protected by law and the borrower must meet its repayment obligations in accordance with the law. “The Jiangxi Provincial Leading Group Office for Risk Prevention and Resolution in Online Lending Industry announced the sixth group of online lending institutions to voluntarily withdraw last month.Special note, Disputes between online lenders and lenders, between lenders and borrowers, and between borrowers and online lenders can be resolved through legal means such as self-conciliation, request for arbitration, and litigation. If a suspected criminal act is discovered, it must be reported to the local public security body in accordance with the law.
In an interview with the media, Guo Shuqing also pointed out that the regulatory authorities have always considered the recovery of stolen assets as the fundamental requirement for elimination of risk, and will increase the punishment of borrowers of online loan platforms for evasion. malicious debt, will effectively improve the efficiency of asset disposal and maximize recovery. The loss of masses. “As long as there is a ray of hope for the lender’s funds, we will cooperate with the law enforcement department of the department of public safety to track and clear the collection, meet investor requirements as much as possible, and repay your investment in as much as possible, “Guo Shuqing said.
(Source: Guangzhou Daily)
(Editor in charge: DF387)
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