P2P Enters The Regulatory Track Of CBRC, Cathay Pacific Wealth And Five Star Security System

At the beginning of the new year, the China Banking Regulatory Commission announced the restructuring of the company, which is the first major structural adjustment since the establishment of the China Banking Regulatory Commission in 2003.

In the adjustment, the 27 departments of the CBRC were split into 23 departments.

The most important concern is the newly established general finance department, financing guarantee institutions, P2P, small loans and so on are all assigned to the Department's regulatory coordination.

At present, the CBRC will start implementing hybrid operation of new and old structures this month, and will officially operate in accordance with the new framework in March.

People in the industry sighed: "P2P has mother control."

From the perspective of the development of P2P industry, P2P has been developing at a high speed since it entered China in 2007. As of the end of 2014, the volume of the industry has exceeded 300 billion yuan.

At the same time, however, there has been chaos in the industry over the past two years, such as dismantling, time mismatch and platform running.

The fundamental reason is that there is a lack of formal supervision within the industry. On the other hand, the number of P2P platforms in the country has exploded in recent years, which makes it inevitable that there will be many irregular platforms with weak capital and confusion in the numerous platforms, which will inevitably lead to the development of the industry.

As a part of the P2P industry, it is also a formal integrated investment and financing service platform, which is permitted by the state regulations. It aims to build an efficient, pparent, safe and convenient investment and financing paction platform for investors with financial needs and financing needs.

In the recently concluded "2014 Chinese brand enterprise grand ceremony", Shenzhen dealer loan launched many five-star safety guarantee system with many years of financial services and risk management experience, and won the "Chinese enterprise's best innovation brand" in one fell swoop.

From the starting point of the founders, the five-star guarantee system is the most responsible security system in the industry. On the specific level, the five-star guarantee system consists of five parts:

Third party trusteeship.

Standardized operation is the most important part of the safety guarantee system. Through cooperation with the third party payment platform which is granted by the national financial operation license, the funds are fully trusteeship, so as to ensure the safety of investors' funds.

strict

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Through the strict credit control system for borrowers, we can strengthen the support capability and operational safety of enterprises.

The whole process of regulation ensures the safety of borrowing.

Supervise and supervise the borrower's use and usage process to ensure that borrowers are used for legitimate and legitimate purposes and ensure the safety of borrowing.

The risk compensation payment system, which extracts a certain proportion (currently 3%) of the risk guarantee money from each loan, establishes a custodian account in the bank, and gives the lenders a pre payment for the breach of contract when the borrower is overdue first, and 100% guarantees the investment safety of the client.

Election

Participate in the supervision to enable customers to fully understand the capital lending process and the wind control and credit review system, take part in major decisions, discern the safety of funds, and make the operation of the platform more pparent.

Compared with the security system launched by other platforms in the P2P industry, the biggest advantage of the five-star security system is that the CDC's original and original customer supervisor supervision system, through the inter client promotion of customer supervisors, enables them to participate in the supervision of the whole operation of the platform. On the one hand, it has opened up the supervision channels for customers, and on the other hand, it has also shown that the five star security system is pparent and reliable, and is a completely trustworthy security system.

I believe that in the near future, through the continuous improvement of industry standards and the continuous improvement of the industry, China's Internet financial development prospects will be great. It will not only bring more wealth and benefits to the ordinary people, but also help promote the development of national economy by supporting the growth of small and micro businesses and individual businesses.