网贷专项整治时间表明确 加大追赃挽损力度


China Securities Journal reporter recently learned that recently, the mutual fund rectification leading group and the online loan rectification leading group jointly held a symposium on the special rectification of online lending risks, and clarified the special rectification schedule for online lending. In the third quarter, the rectification work will be strengthened. In the fourth quarter, the basic qualified institutions will be included in the supervision pilot.

Increase the recovery of damages

The meeting pointed out that the special rectification work has generally progressed smoothly, but the industry risk is still at a high level. Judging from the pre-examination situation, violations such as pooling funds, illegal lending, disguised commitments to protect the principal and interest, and opaque information disclosure are still common. Some platforms even have serious violations of laws and regulations such as shareholder self-inflation, manufacturing fakes, false capital injection, and misappropriation of funds. The major risks of the industry cannot be underestimated.

The organization of the organization allows and encourages its application to be converted into a network microfinance company, a consumer finance company, and so on. For institutions that intend to be transformed or liquidated, the supervisory enterprise shall formulate a redemption plan as soon as possible and implement it promptly.Pieces. In the proposed pilot program, the relevant departments have put forward clear requirements for the online loan industry risk reserve, risk compensation, compliance deposit, and shareholder qualifications to enhance the ability of the online lending platform to mitigate risks and protect investors.

In the second half of the year, the rectification work will also increase the efforts to recover the damages of the insured institutions, respond to investors' concerns and demands in a timely manner, and smooth the channels for complaints and rights protection. At the same time, the meeting stressed that all localities and departments should further increase supervision and supervision, timely discover and correct false propaganda, seriously investigate and deal with various illegal exhibition activities, resolutely crack down on rumors and rumors, and ensure that Internet financial risk remediation continues to be achieved. new progress.

It is strictly forbidden to add new internet financial institutions

xx上半年,各部门各地方普遍加大工作力度,围绕存量压降,风险出清,对网络借贷机构深入开展企业自查,行业自律检查与行政核查,督促企业边查边整,即查即改“三查”过程中发现,平台机构普遍偏离了“金融信息中介”定位,不同程度存在信用转换性质的活动。到6月底已初步完成430余家网贷机构合规检查,相关企业正在进行对标整改。

会议明确,下一阶段要以转型发展和良性退出为主要工作方向,严禁新增互联网金融机构,及时处置随意变更股东或注册地迁址的机构,引导绝大多数机构通过主动清盘,停业退出或转型发展等方式实现风险出清。

全国已成立400多个风险处置专班,加大对高风险机构的管控力度。去年下半年以来,大力打击严重违法违规行为,已对467家平台立案侦查,同时抓好“阳光办案”,改进报案模式。尽一切力量追赃挽损,缉捕外逃人员,能追尽追,应缴尽缴。先后将两批失信借款人和失联跑路高管人系统和“信用中国”系统,严惩违法违规和失信行为,切实维护投资人合法权益。此外,为加强对网贷机构的动态监测和穿透式监管,有关部门建设了实时数据接入系统,实现网贷机构产品信息,债权信息,交易流水等明细数据全量,实时接入。自今年4月启动接入工作以来,目前已有468家完成接入。

记者了解到,专项整治工作启动以来,全国网络借贷等互联网金融行业风险持续收敛,整治工作取得阶段性成效。截至今年5月末,继续开展出借业务的运营机构数量已降至707家,比2018年年初下降57%;借贷余额比2018年年初下降27%,出借人次比2018年年初下降75%;行业借贷规模,出借人次已连续11个月下降

XX

在线贷款发布《P2P网贷行业2019年6月报》显示截至6月底,P2P在线借贷行业的正常运营平台数量下降至864,而5月底为26。据不完全统计,6月份关闭和问题平台数量为26个,比上月增加3个,主要原因是清算分期和网站关闭平台。