Why net loan regulatory rules in the upper limit set at 200 thousand 1 million 5 million

Abstract: more than a dozen gold platform CEO last weekend, eating hot pot singing songs. There are rumors that the Interim Measures for the management of network lending information intermediary business activities to be introduced, but also for the borrower’s loan amount is limited, we are not in a good mood.

(photo: Vision China)

more than a dozen gold platform CEO last weekend, eating hot pot singing songs. There are rumors that the Interim Measures for the management of network lending information intermediary business activities (hereinafter referred to as the "measures") to be introduced, but also for the borrower’s loan amount is limited, we are not in a good mood.

indeed, Wednesday to come, the provisions of the same person in the same network credit information intermediary platform loan balance does not exceed the ceiling of 200 thousand yuan, in the different network net loan information intermediaries loan amount is not more than RMB 1 million;

with a legal person or any other organization in the same network lending information intermediaries platform loan balance does not exceed the ceiling of 1 million yuan, in the different network lending platform information intermediary loan balance does not exceed the ceiling of 5 million yuan.

some people say that 95% of the platforms are required rectification, on this one, the industry reshuffle soon.

CEO has a wealth of Hui Yi fairy horse Finance said that the net loan regulation for a clear limit, is actually not long ago with limited financial funds, bank owned funds into the non-standard investment idea is the same, is to let the bank owned by the bank, the traditional credit business, especially large credit business is the bank’s strengths, let the Bank of this part of the well, the risk control, and small micro credit, inclusive financial banks have no energy, let go to the Internet companies, but the premise is not have systemic risk,

Hui Yi believes that the overall financial development from the point of view, this is the right way of supervision.

91 financial CEO Xu Zewei said, regulators issued net loan limits, there is a certain reason, after all, the Internet financial position and traditional financial regulators are different, the purpose is to let the Inclusive Finance, rather than banks to compete, if the net loan platform to do what banks are now doing the new thing there is no meaning.

at the same time, from the point of view of risk control, to prevent excessive concentration of risk, institutional and investor protection. However, there are different voices in the industry.

Ma Junhu, chairman of the

gold pitcher, believes that setting standards for the different limits of different borrowers may seem clearer. Reflecting the regulatory layer to reduce the net loan risk intention, but only in the limit of standard, carry out the whole industry constraints, but not the platform business orientation, risk control ability, not the actual borrower borrowing needs, full consideration of the case, most of the platform or will no one outside impact.

if the rules are implemented >

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