China comprehensive regulation of Internet financial standardize financial innovations to hel-kkxxse.com

China comprehensive regulation of Internet financial   standardize financial innovations to help the "double" — people.com.cn Guangxi channel — people.com.cn original title: China comprehensive regulation of Internet financial regulation of financial innovations to help the "double" data for a large-scale Internet Finance in the country is the purge action in full swing. 13, China’s State Council formally issued the "Internet financial risk special rectification work implementation plan" (hereinafter referred to as the program), disclosure of the rectification work of the overall deployment. According to the special rectification goals, rectification work leading group responsible person said, in the short term, this is the specification of various types of Internet financial industry, but in the long run, a move designed to effectively play Internet financial support for public entrepreneurship, innovation (double) positive role. In this regard, Professor Yang Dong of Renmin University of China School of law in an interview with News Agency reporters said that the remediation activities for a period of nearly a year, as many as a dozen ministries involved, remediation object is involved in many areas of Internet payment, online lending, raise public equity financing, Internet insurance, Internet advertising, can be described as menacing. This is closely related to the Internet financial field in recent years, and it is urgent to regulate. P2P (net lending) as an example, the Chinese large domestic net lending institutions from information intermediary services to small and micro positioning and relying on the nature of the Internet business, alienation as credit intermediary exists, protect themselves from the financial, illegal lending, set up the pool of funds, time resolution, a large number of offline marketing behavior. But on the other hand, the official also aware of the Internet finance can play a positive role in promoting the "double", not "unworthy", the financial innovation to "bring order out of chaos."." Yang Dong said. Yang Dong further pointed out that, on the one hand, net loans, raise public financing channels can provide a considerable part of the lack of funds and full of creative projects and financial support; on the other hand, has a positive significance to the development and innovation of financing of electronic, convenient and diversified pattern of the entire financial industry, is conducive to the "double power" and "cultivating new energy economy. "The crackdown actually began in April, the official program would have to wait until the" double "activities held next week before the release, decision layer on the release time should be carefully considered." Yang Dong said. According to industry, Renmin University of China School of finance, vice president Zhao Xijun in an interview with News Agency reporters said that the campaigns focus on remediation of the third party payment includes six fields, a bit of everything, but considering that in recent years, P2P (lending) frequent risks, no doubt that when is the priority among priorities rectification action. Undoubtedly, regulation is conducive to rectify the deviation of the innovation of some formats of Internet finance, and to clean up and standardize the institutions that use the name of innovation to conduct illegal activities, so as to provide support and protection to institutions carrying out beneficial innovation and legal compliance operation. These will speed up the industry reshuffle." Zhao Xijun said. In the case of P2P, according to Chinese domestic third party P2P platform research and consulting the data network home loan, as of the end of July this year, the number of P2P platforms operating normally fell to 2281, compared with the end of June fell 68, a decline of 2) 中国全面整治互联网金融 规范金融创新助力“双创”–人民网广西频道–人民网 原标题:中国全面整治互联网金融 规范金融创新助力“双创” 资料图 一场大规模的互联网金融整肃行动正在中国各地全面铺开。13日,中国国务院正式发布《互联网金融风险专项整治工作实施方案》(下称方案),披露此次整治工作的全面部署。 针对此次专项整治的目标,整治工作领导小组相关负责人表示,从短期看,此举是规范各类互联网金融业态,但从长远看,此举旨在切实发挥互联网金融支持大众创业、万众创新(双创)的积极作用。 对此,中国人民大学法学院教授杨东在接受中新社记者采访时表示,此次整治活动为期将近一年,参与部委多达十余个,整治对象更是涉及互联网支付、网络借贷、股权众筹融资、互联网保险、互联网广告等多个领域,可谓来势汹汹。这都与近年来中国互联网金融领域乱象丛生、亟待规范有关。 以P2P(网贷)为例,目前中国国内大量网贷机构偏离信息中介定位以及服务小微和依托互联网经营的本质,异化为信用中介,存在自融自保、违规放贷、设立资金池、期限拆分、大量线下营销等行为。 “但另一方面,官方亦意识到互联网金融在促进‘双创’方面能发挥积极作用,不能‘因噎废食’,对金融创新须‘拨乱反正’。”杨东说。 杨东进一步指出,一方面,网贷、众筹等融资渠道能给相当一部分缺乏资金而又充满创意的项目和企业提供了资金支持;另一方面,融资的电子化、便捷化和多元化模式对整个金融行业的发展和创新具有积极的意义,有利于助力“双创”、培养经济新动能。 “此次整治行动实际上在4月份就已开始,正式方案却一直等到全国‘双创’活动周召开的次日才发布,决策层关于发布时间的选择应该是经过细心考量的。”杨东说。 针对行业影响,中国人民大学财政金融学院副院长赵锡军在接受中新社记者采访时表示,此次整治行动重点整治包括第三方支付等六大领域,多少有点面面俱到,但考虑到近年来,P2P(网络借贷)风险频发,无疑当是整顿行动的重中之重。 “无疑,整治有利于纠正互联网金融某些业态创新跑偏的局面,对借创新之名行违法违规活动之实的机构予以清理规范,对开展有益创新、合法合规经营的机构予以支持保护。这些都将加速行业洗牌。”赵锡军说。 以P2P为例,据中国国内第三方P2P研究咨询平台网贷之家的数据,截至今年7月底,正常运营的P2P平台数量降至2281家,较6月底下降了68家,环比下降2.89%。而2016年上半年因为各类相关问题关停的平台是528家。 赵锡军指出,实际上相关的摸底排查行动已在年初开展,加上8月银监会等部委联合发布《网络借贷信息中介机构业务活动管理暂行办法》,该办法主要以负面清单的形式规定网贷行业不可触碰13条红线;受此影响,上述大量问题平台被淘汰,越来越多的平台开始谋求转型,行业渐趋规范化。 值得注意的还有,上述整治工作领导小组相关负责人指出,专项整治工作是阶段性的,关键是要以此为契机,提炼形成互联网金融治理经验,促进互联网金融健康可持续发展。 对此,赵锡军亦表赞同。他指出,比如方案提出的所谓“穿透式”监管,互联网金融有时创新过度,涉及太多金融业种,难以监管。监管层须顺应金融创新和综合经营快速发展的形势,按照金融业务行为性质,对跨市场、跨行业的金融行为实施穿透式监管,统一各类结构化产品的杠杆规则,实现监管对真空和盲点的全覆盖,才可事半功倍。(记者 陈康亮) (责编:陈露露、庞冠华)相关的主题文章: