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新的监管要求,将迫使P2P平台在退出和转型之间做出选择,或许这对于平台和行业都是一次新生的机遇。随着去年P2P跑路潮问题的显现,互联网金融行业在创新的同时如何规避风险问题成为了公众非常关心的问题。近日,有媒体曝出银监会向各家银行下发了《网络借贷资金存管业务指引(征求意见稿)》(下简称“资金存管指引”)。此消息一出,引起了媒体的争相报道和行业内的大范围讨论。褒贬不一的业内观点从征求意见稿看,对于现有的资金存管模式,最具杀伤力的莫过于提出:存管银行应对客户资金履行监督责任,不应外包或由合作机
The new regulatory requirements will force P2P platforms to choose between exit and transition, and perhaps this is a fresh opportunity for both platforms and industries. With the advent of P2P running in recent years, the internet finance industry has become a matter of great concern to the public on how to avoid risks while innovating. Recently, some media exposed that the CBRC issued a “Guidance on the Depository of Online Lending Funds” to various banks (Draft for Comment) (hereinafter referred to as “Guide for Fund Custody”). The news came out, causing the media competing reports and a wide range of discussions within the industry. Mixed opinion from the industry point of view From the draft for the view, for the existing mode of depositors, the most lethal than the depositors bank accountability to fulfill the responsibility of supervision should not be outsourced or by the cooperation of the machine