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互联网金融真正的合规基点是走小微化和惠普化的道路,利用借款额度控制,聚焦于小额、分散业务模式。2016年,对于P2P网贷平台而言,正经历一场严峻的考验。随着政策与监管的落地,上市公司中较早涉足互联网金融的企业熊猫金控(600599.SH)近日不得不“忍痛”6折甩卖旗下的P2P不良资产,用来降低经营风险。与前两年各行业大举进军互联网金融相比,如今行业洗牌正加剧。2016年8月,中国银监会、工信部、公安部与网信息办四部委正式发布了《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》)。《暂行办法》实施,P2P网贷平台正面临转型、合规与升级。未来,完善的风控体系建设将成为P2P平台的核心竞争力。
The real compliance point of Internet finance is to go the way of miniaturization and HPization. It uses the control of loan quota and focuses on the small and diversified business model. In 2016, for P2P network loan platform, is experiencing a severe test. With the arrival of policies and regulations, Panda Financial Holdings (600599.SH), one of the listed companies involved in Internet finance earlier, has had to “reluctantly hurt” 60% of P2P non-performing assets to reduce its business risk. Compared with the large-scale advancement of Internet finance by various industries in the previous two years, the industry reshuffle is exacerbating. In August 2016, the China Banking Regulatory Commission, the Ministry of Industry and Information Technology, the Ministry of Public Security and the Information Office of the Ministry of Public Security formally released the Interim Measures for the Administration of Business Activities of Internet Loans Information Intermediaries (hereinafter referred to as the “Interim Measures”). “Interim Measures” to implement, P2P network loan platform is facing restructuring, compliance and upgrading. In the future, a sound risk control system will become the core competitiveness of P2P platform.