Touch the regulatory red line P2P platform shut down demand financing – Sohu financial management-exit safe mode

Touch regulatory red P2P platform has shut down "the current financial Sohu financial balance of treasure turned out, has demonstrated the charm of the era of Internet Banking for many grassroots investors, also make it to the" low threshold and high flexibility "financing have more expectations. In the face of this situation, a number of P2P platform in the last year have on-line current financial products to meet the needs of investors, hope to be able to with the balance of treasure as the representative of the IMF financial products, become the market "Fengeng". However, recently, some of the P2P platform for the "demand finance" gradually shut down, the risk and compliance of this financial way again become the focus of discussion in the industry. Reporter Huang Ji Xia "mapping snow Jiao current financial" controversial Wen business loan in December 24th last year on the line of the current project, only a short period of 53 days of operation, taking account for loan temperature on February 15th at 12 o’clock in the morning to return to the unity of the user, said in the announcement as "positive response to supervision". The so-called P2P current financial management, is the introduction of some P2P platform funds can be transferred at any time, but also can be at any time out of funds to cash out of the products collectively. Recently, Wen commercial loans announced that "will officially shut down the current project in February 15, 2016.". Prior to the user’s investment in the current project, the amount will be returned to the user’s temperature commercial account (available balance) at 12 o’clock a.m. on February 15th, and the refund amount can be used for the bidding operation." At this time, from December 24th last year, Wen Shang loan project formally launched, only a short operation of 53 days. As for the reasons for shutting down, the announcement said "in order to respond positively to supervision."". This is not the first to shut down the "current financial P2P platform", as early as in the previous January, issued a moratorium on loan at ease treasure (current) product purchase announcement said, because of the need to ease loan platform products upgrading and adjustment, we decided to suspend peace treasure (current) product purchase". The announcement took effect on January 6th. Under the influence of innovation in the balance treasure, many P2P network lending platform developed a new type of P2P class financial products. According to zero one finance last November statistics, currently on the market there were at least 30 current financial products, favorable net, building blocks box, such as the Mavericks online ranking platform before, have joined the current financial legion. Overall, the range of income from these financial products is 6-15%, and the mainstream products remain at around 8%, much higher than the monetary fund. The temptation of high yield, has quickly become the current financial net loan platform showmanship weapon, disclosure from the platform of its own data, the overall size of a small financial early, more than 10 billion yuan, the golden eggs, really lazy, financial financial treasure net earnings in billions of yuan level. With favorable network as an example, the current financial products launched in February last year, which earned over 61 million 270 thousand yuan in revenue by the end of 2015 has been so popular for investors, investors sought. And for this shut down storm, net loan platform is different. There is a platform that has stopped expanding the scale of the current financial products, waiting for the assets to close all transactions after payment. But rosy clouds

触碰监管红线P2P平台陆续关停“活期理财”-搜狐理财   余额宝的横空出世,曾为诸多草根投资者展现了互联网理财时代的魅力,也令其对“低门槛、高灵活性”的理财方式有了更多的期许。面对这一情况,多家P2P平台在去年纷纷上线活期理财产品以迎合投资者需求,希望能够在凭借余额宝为代表的货币基金类理财产品,成为市场的“分羹”者。  然而,近日部分P2P平台对于“活期理财”的陆续关停,这种理财方式的风险与合规再度成为业界讨论的焦点。  本报记者 吉雪娇 制图 黄霞“活期理财”引发争议  温商贷在去年12月24日上线的活期项目,仅运营了短短的53日,便于2月15日上午12点整统一返还至用户的温商贷账户,公告中表示为“为了积极响应监管”。  所谓P2P活期理财,是对一些P2P平台推出的随时可以进行资金转入,同时也可以随时进行资金转出提现的产品的总称。  近日,温商贷发布公告称,“将于2016年2月15日正式关闭活期项目。此前用户投资活期项目的金额将于2月15日上午12点整统一返还至用户的温商贷账户(可用余额),用户可将退还金额用于投标操作。”此时,距离去年12月24日温商贷活期项目正式上线,仅运营短短的53日。而对于关停原因,公告中表示为“为了积极响应监管”。  这并非是首家关停“活期理财”的P2P平台,早在此前的1月,安心贷就发布了关于暂停安心宝(活期)产品申购的公告,称“因安心贷平台产品升级调整的需要,现决定暂停安心宝(活期)产品的申购”。这一公告于1月6日起开始生效。  在余额宝创新影响下,不少P2P网贷平台开发了新型P2P类活期理财产品。根据零壹财经去年11月时统计,目前市场上至少出现了30只活期理财产品,有利网、积木盒子、小牛在线等排名靠前的大平台,均加入了活期理财军团。  总体看来,这些活期理财产品收益区间为6-15%,主流产品收益维持在8%左右��大幅超过货币基金。高收益的诱惑下,活期理财也迅速成为网贷平台的揽客利器,从平台自身披露的数据来看,小金理财整体规模最大,早早超过了100亿元,金蛋理财、真融宝、懒财网等也在数十亿元级别。以有利网为例,其去年2月上线的活期理财产品,号称截至2015年底已为投资人赚取超6127万元的收益,因此颇受投资人追捧。  而对于此次的关停风波,网贷平台则表现不一。有平台表示已经停止扩大活期理财产品的规模,等待资产兑付后就关闭所有交易。不过,还有相当一部分平台仍然在观望,暂时并没有关闭或暂停活期理财的计划。  在仍在继续销售活期理财的网袋平台中,记者梳理发现,目前各家平台主推的活期理财大概有三种模式,一是将P2P活期理财资金直接投资货币市场基金市场;二是投向经过分散投资的借款项目,其中,以金蛋理财为例,其称在债权对接上,主要选择了个人消费信贷,以及房产抵押贷款;三则是银行结算短期周转贷模式,这种模式则主要通过与第三方支付合作提供POS商户。  资金池与挤兑存风险  P2P活期理财最大的风险还在于资金池和集中兑付。目前主流的P2P活期理财产品投资的是一些债权打包类产品,很多投资人并不清楚资金具体去向。  虽然网贷平台均号称活期理财产品“非常安全”,不过,从多个P2P活期理财的产品信息来看,对于安全保障方面的信息却并不充足,只称“自发售以来无逾期和坏账”,以及账户安全方面的一些保障。此外,虽然赎回灵活,但部分平台对每人每日购买和赎回的量有所限制,而且用户要求赎回时,也必须等有人买才能成功赎回。这也意味着,并不保证当日一定能赎回成功。  事实上,记者了解到,网贷平台们选则关停“活期理财”,主要是由于去年12月28日正式发布的《网络借贷信息中介机构业务活动管理暂行办法(征求意见稿)》,在进行自查、调整后,积极响应监管的结果。“"活期理财"并不符合"暂行办法"的精神”。有平台相关负责人表示。其中,“网络借贷信息中介机构不得以任何形式代出借人行使决策”,以及“平台不得发售银行理财、券商资管、基金、保险或信托产品”的监管要求,都被认为对现有的活期产品有所制约。  而在分析人士看来,P2P活期理财最大的风险还在于资金池和集中兑付。目前主流的P2P活期理财产品投资的是一些债权打包类产品,而且有些P2P平台活期理财产品的委托投资协议是由出借人和平台直接签订的,很多投资人并不清楚资金具体去向。为了保证做到赎回“即时到账”的活期理财特点,部分平台不得不进行期限错配或设立资金池,这都是被监管明令禁止的。  除此之外,由于目前在用户赎回时,部分平台选择先用自有资金垫付再转让给后来的用户。但当活期资金规模积累得越来越大,一旦发生大面积用户提现,将造成无法控制的挤兑风险。为此,有市场人士认为,目前看来,P2P活期理财产品对平台的稳定性运营及产品设计有着极高的要求,如果无法满足,将有逐步退出市场的可能。  对于网贷平台而言,P2P活期理财产品更多的意义,或是成为一种获取用户和转化用户的重要手段。部分对于P2P网贷信用风险存在担忧的投资者,通过低门槛的活期产品进入,在对平台更多的了解后,可能选择追加投资,甚至从活期迁徙至定期。某P2P活期理财平台1月运营数据显示,虽然受债权限购等因素影响,追投比例略有下降,但依然有25.5%的上月首次投资的用户于本月再次追加投资。  ��活期理财项目  原因:P2P活期理  财最大的风险还在于资金池和集中兑付。目前主流的P2P活期理财产品投资的是一些债权打包类产品,很多投资人并不清楚资金具体去向。一旦发生大面积用户提现,将造成无法控制的挤兑风险。  作者:吉雪娇 制图 黄霞相关的主题文章: