Mutual Gold Association will focus on network lending approach, landing telecom business license to -rosstallanma

Mutual Gold Association will focus on network lending approach, landing telecom business license need to record Sina fund exposure platform: letter Phi lag false propaganda, performance is lower than the same product for a long time, how to buy a fund was pit? Click on [I want to complain], Sina help you expose them! Newspaper reporter He Xiaoqing Guangzhou reported 28-29 days in September 2016, two days, China Internet Financial Association (mutual Gold Association) held in Beijing Internet financial development policy interpretation of closed door meeting. According to the participants, experts from the government departments, universities and industry experts carried out on-site teaching. This is also "network lending information intermediary business activities management Interim Measures" (hereinafter referred to as "measures") issued a month later, by mutual Gold Association held the first policy interpretation activities. The meeting is only for members of the association, and participate in the quota. There are many member units unable to attend the meeting because of the registration too hot. The participants told reporters in twenty-first Century economic report, meeting separately from the latest trends of the Internet financial supervision and legislation and development trend, the net loan intermediary telecommunications business license application, net loan information disclosure standards and norms of industry self-discipline management focus of all-round and in-depth interpretation and analysis of the new regulatory net loan. There are senior industry people bluntly, net loan new deal announced a month ago, there are some net loan enterprises to comply with the new deal to make rectification actions, such as adjusting the subject, stop the big mark, the shelf demand, strengthen the matching of creditor’s rights, etc.. At present, the main challenges faced by the industry come from the borrowing limit, bank custody and EDI license, in addition to regulatory details to be clear, the transformation of ideas is not clear, the target market is difficult to digest, a large number of P2P enterprises flocked into the market and many other problems. The telecommunications business license for the record with the aforementioned participants said Yang Dong, vice president, Professor of Renmin University of China School of law in the interpretation of the "measures" said, there are some difficulties in implementing the "measures", including supervision and coordination, division of labor of information intermediary position, grasp the oversight of branches, investors scattered problems, classification and evaluation. And the ICP certificate and EDI certificate of the dispute. And for the recent network lending industry spread a great deal of ICP and EDI two major telecom business license matters, the Ministry of industry and information technology responsible person at the meeting also made the relevant explanation, and said, P2P platform need to deal with neither ICP card, nor EDI certificate. According to the twenty-first Century economic report reporter was informed that the Ministry of information industry and the relevant responsible person said, the customs bonded system EDI card for P2P platform, there is no need to handle; while the ICP license is not necessary, only has the function of forums, message boards, web search, voice messages such as online communication platform is required for the. Therefore, the P2P platform really need to deal with "value-added telecommunications business license", the telecommunications department records will be marked with "network lending information intermediary licensing services"". However, the premise of applying for "value-added telecommunications business license" is that the platform is submitted to the local financial authorities for record. That is to say, only by obtaining the approval of the local financial regulatory agencies before the application of the theory can be applied

互金协会闭门会聚焦网贷办法落地 电信业务许可证需备案 新浪基金曝光台:信披滞后虚假宣传,业绩长期低于同类产品,买基金被坑怎么办?点击【我要投诉】,新浪帮你曝光他们!   本报记者 何晓晴 广州报道   2016年9月28-29日两天,中国互联网金融协会(互金协会)在北京举行互联网金融发展政策解读闭门会。   据与会人士透露,来自政府部门、高校和业界权威专家学者进行了现场授课。这也是《网络借贷信息中介机构业务活动管理暂行办法》(下称《办法》)发布一个月后,由互金协会举行的首场政策解读活动。   此次会议仅面向协会会员单位,并限额参加。有不少会员单位因报名太过火爆不能参加会议。前述与会人士告诉21世纪经济报道记者,会议分别从互联网金融监管与立法的最新动向与发展趋势、网贷中介电信业务经营许可申请、网贷信息披露标准与自律管理规范等行业关注热点对网贷新规进行了全方位、深层次的解读与剖析。   有资深行业人士直言,网贷新政公布一个月来,已有部分网贷企业遵照新政作出整改动作了,比如调整标的、停发大标、下架活期、加强债权匹配等。目前,行业面临的主要挑战来源于借款限额、银行存管以及EDI许可证,另外还有监管细则待明确、转型思路不清晰、目标市场难以消化大量P2P企业蜂拥而入等诸多难题。   电信业务许可证需备案前置   前述与会人士表示,中国人民大学法学院教授、副院长杨东在对《办法》进行解读时说,《办法》存在一些实施难点,包括监管和分工的协调、对信息中介定位的把握、对分支机构的监管、投资者分散问题、分类评估问题及ICP证和EDI证的争议等。   而针对近期网贷行业传得沸沸扬扬的ICP和EDI两大电信业务许可证办理事宜,工业与信息化部有关负责人在会上亦作了相关说明,并称,P2P平台需要办理的既不是ICP证,也不是EDI证。   据21世纪经济报道记者获悉,该工业与信息化部有关负责人与会称,EDI证用于海关、保税系统,P2P平台根本无需办理;而ICP证也不是必备的,只有在平台有论坛、留言板、网站搜索、语音留言等在线交流功能时才需要办理。   因此,P2P平台真正需要办理的是“增值电信业务许可证”,电信部门备案时会注明“含网络借贷信息中介许可服务”。   不过,申请“增值电信业务许可证”的前提是平台到地方金融主管部门进行备案。也就是说,只有先获得当地金融监管机构的前置审批通过后才能申请办理该证。截至目前,尚无一家平台获得此证。   此前,8月24日四部委联合发布的《办法》再次明确了P2P网贷平台作为信息中介的地位,同时《互联网信息服务管理办法》规定,从事经营性互联网信息服务,应当向省、自治区、直辖市电信管理机构或者国务院信息产业主管部门申请办理互联网信息服务增值电信业务经营许可证。   一位长期跟踪政策研究的知情人士透露,新的电信业务许可证按照《关于促进互联网金融健康发展的指导意见》中的要求,将互联网金融分为互联网支付、网络借贷、股权众筹融资、互联网基金销售、互联网保险、互联网信托、互联网消费金融等,其中网络借贷、股权众筹融资应申请在线数据处理与交易处理业务中的经营类电子商务业务许可,并且许可证载明事项也将发生变更。   “即使平台之前获得的电信业务许可证是在线数据处理与交易处理业务中的经营类电子商务业务许可证,也需要根据新的管理要求重新进行申请换证。”该知情人士如是说。   对此,一位总部于北京的互金公司创始人表示,在《办法》细则出台前,大家更应该关心的是如何按照信息中介的定位要求,准备好自有资金和平台资金分离,多考虑如何实现企业的有能力可持续经营发展,如何保证平台系统信息安全等经营管理问题。   平台限额标准暂或不会改变   此外,上述与会人士透露,针对业界反响强烈的平台投资人限额标准适当时候是否会作出修改一事,银监会有关负责人强调,平台限额是考虑到《刑法》非法集资的要求,目前不会作出改变。   《办法》中规定:同一自然人在同一网贷平台的借款不得超过20万元,在不同平台借款总数不得超100万元;同一法人或其他组织在同一网贷平台的借款不得超100万元,在不同平台借款总数不得超过500万元。   “非法集资的原有法律个人20万元,企业100万元,这次管理办法属于行政规章,从属法律地位,当然不能超越既有法律,除非先修正大法,否则突破不了目前这个额度。”上述互金企业创始人认为。   此外,一位资深行业人士也表示,此举除了与《刑法》中有关非法集资的规定相衔接,引导网贷机构遵循小额分散的发展原则,避免执行混乱以外,监管层亦参考了发达国家,如英美等国针对网络借贷机构借款规定上限的做法。   在此次闭门会议上,国务院发展研究中心金融研究所有关负责人在进行解读时强调,网贷机构应积极落实监管办法,并提出了各网贷平台应符合资产端小而分散,资金端(出借人)大(资金)集中的观点。   一家线上的融资中介服务平台郑姓高管认为,资产端小而分散,资金端大而集中,归根结底是为了匹配和平衡两者之间的风险。监管层此举是希望把风险控制在可以接受的范围之内。   上述资深行业人士表示,《办法》中并没有针对资产端和资金端的直接表述,而是在“信息中介”基础上定义为“借款人”和“出借人”。在网贷实际运营过程中,平台针对广大借款人提供的信贷业务俗称为“资产端”业务,而针对“出借人”提供的理财业务就是资金端业务。《办法》在资金端业务针对出借人进行了限制,即要求出借人须为合格的投资人,具备风险认知和承受能力,并且自行承担借贷产生的本息损失。   上述郑姓高管称,资金端涉及到一个合格的投资人的认定问题。从本质上来说,P2P是借贷,但是现在《放贷人条例》一直“难产”,所以无法可依。   不过,在对P2P限额管理之后,如个人在一个平台不得超过20万元,总计不得超过100万元;企业在一个平台上不能超过100万元,总计不得超过500万元之后,有望对P2P的投资人进行投资额度的规范。 进入【新浪财经股吧】讨论相关的主题文章: