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网贷整治办发文P2P合规标准 108条问题清单由全国网贷整治办制定
作者:admin 发布于:2018-10-27 17:48

网贷整治办下发了开展网贷机构合规检查工作的通知
 
Net loan regulation issued a notice to carry out net loan institutions compliance checks
 
 
 
据报道,近日全国P2P网贷整治办已向各省市网贷整治办下发了开展网贷机构合规检查工作的通知。随着这一通知下发的还有此前市场颇为关注的《P2P合规检查问题清单》。这一通知及问题清单的的下发,预示着全国范围内的P2P合规检查即将展开。
 
It is reported that the National P2P Network Loan Rectification Office has recently issued a circular to the provincial and municipal network loan Rectification Offices to carry out compliance inspection of network loan institutions. With this notice, there is also a list of "P2P compliance inspection questions" that the market has been paying close attention to before. The announcement of the notice and the list of questions indicates that the nationwide P2P compliance inspection is about to start.
 
 
 
 
 
更重要的是,问题清单由全国网贷整治办制定,意味着此前遵照各地方监管标准不一的P2P平台,此次需依照由中央统一制定的清单标准进行整改。“最主要的意义在于明确了统一的标准。”一位接近监管人士表示。按照计划,监管要求本次合规检查应于2018年12月底前完成。
 
More importantly, the list of issues was formulated by the National Network Loan Rectification Office, which means that the previous P2P platform, which followed different local regulatory standards, needs to be rectified according to the unified list standards formulated by the central government. "The most important significance is to clarify the unified standard." One close to the regulator said. According to the plan, regulatory compliance is required to be completed by the end of December 2018.
 
 
 
银保监会召集四大AMC协助化解P2P风险 AMC自曝难点
 
Bank of China Insurance Regulatory Commission convened four AMC to help resolve P2P risk AMC exposure difficulties
 
 
 
8月16日,据路透报道,中国金融监管部门正持续推进P2P风险化解工作,银保监会召集四大资产管理公司(简称“AMC”)高管开会,要求四大AMC主动作为以协助化解P2P的“爆雷”风险,维护社会稳定。
 
On Aug. 16, Reuters reported that China's financial regulators are continuing to promote P2P risk mitigation. The Banking and Insurance Regulatory Commission (BCRC) convened a meeting of senior executives of the four major asset management companies (AMC) to ask the four AMCs to take the initiative to help resolve the "explosive" risk of P2P and maintain social stability.
 
 
 
多位资产管理公司人士向券商中国记者核实了上述消息的准确性。一四大AMC内部人士对券商中国记者表示,今日,银保监会召集四大AMC高管开会,会议内容主要是研究AMC如何协助化解P2P风险。“(郭)主席召集了四家AMC高管商讨,但目前还只是研究讨论阶段,并没有对AMC如何化解P2P风险提出具体要求和部署”。
 
A number of Asset Management Co people have verified the accuracy of the above information to Chinese journalists of securities companies. Four AMC insiders told Chinese reporters that today, the Banking and Insurance Regulatory Commission convened a meeting of four AMC executives to study how AMC can help resolve P2P risks. (Guo) Chairman convened four AMC executives to discuss, but at present is only the stage of discussion, and did not put forward specific requirements and deployment on how AMC to resolve P2P risk.
 
 
 
然而,多位AMC人士对券商中国记者表示,在实际操作中,AMC接收处理P2P问题资产仍有不少法规障碍和成本收益问题,AMC所能化解的P2P风险的作用和规模非常有限。
 
However, several AMC sources told Chinese reporters that, in practice, AMC still has many regulatory barriers and cost-benefit problems in accepting and dealing with P2P assets, and the role and scale of P2P risk that AMC can mitigate is very limited.
 
 
 
另据券商中国记者了解,未来协助化解P2P风险的金融机构可能不仅仅包括AMC,券商等其他金融机构可能也会被要求参与其中。
 
In addition, according to Chinese journalists of brokerage firms, financial institutions that will help mitigate P2P risks in the future may not only include AMC, brokerage firms and other financial institutions may also be required to participate.
 
 
 
AMC化解P2P风险,障碍有哪些?
 
What are the obstacles for AMC to resolve P2P risks?
 
 
 
AMC又被“坏账银行”,我国设立AMC之初,是为了剥离处理上个世纪国有大行大量的不良资产,经过过去十余年的发展,尽管AMC的经营主业仍是收购来自银行体系的不良资产,但得益于政策放开,AMC也开始从事非金融机构不良资产的收购业务,非金融类不良资产主要为非金融企业持有的,以及各类金融机构作为中间人受托管理形成的不良资产,主要包括应收账款、其他应收款、企业债券、委托贷款及信托贷款等。
 
AMC was also called "bad bank". At the beginning of the establishment of AMC in China, it was to strip away a large number of non-performing assets from the large state-owned banks in the last century. After more than ten years of development, although AMC's main business is still acquiring non-performing assets from the banking system, AMC began to engage in non-financial institutions'non-performing assets because of the policy liberalization. The acquisition business of assets, non-financial non-performing assets are mainly held by non-financial enterprises, and the non-performing assets formed by various financial institutions as intermediaries are trusted and managed, mainly including accounts receivable, other receivables, corporate bonds, entrusted loans and trust loans.
 
 
 
然而,一AMC高管表示,现有的政策法规并未放开AMC直接收购个人不良资产或不良债权,而目前P2P网贷中的大量问题资产是个人债权,AMC若要收购P2P网贷中的个人债权资产,还需要相关政策法规的修改。
 
However, an AMC executive said that the existing policies and regulations did not allow AMC to directly purchase personal bad assets or non-performing creditor's rights. At present, a large number of troubled assets in P2P network loans are personal creditor's rights. If AMC wants to purchase personal creditor's rights assets in P2P network loans, it needs to amend relevant policies and regulations.
 
 
 
至于P2P网贷中的企业问题债权,上述高管认为,需要各地金融办等相关部门先从源头出发,捋清涉及P2P网贷的问题企业的债权债务关系,此后AMC才能有针对性地介入。
 
As for the enterprise problem creditor's rights in the P2P network loan, the above-mentioned executives believe that it is necessary for local financial departments and other relevant departments to start from the source and clear up the creditor's rights and liabilities of the enterprises involved in the problem of P2P network loan, and then AMC can be targeted to intervene.
 
 
 
据该高管解释,一方面,AMC做尽调的人力和财力有限,很多涉及P2P网贷的企业多是中小企业,且往往存在多头借贷或债权债务关系复杂等情况,让AMC处理这些企业涉及P2P网贷部分的债权,很可能会出现成本和收益不匹配的情况;另一方面,此轮“爆雷”的P2P平台往往不是真正的信息中介,平台上的企业债权标的实际上并不是简单的借贷关系,其背后的融资链条和债务债权法律关系极为复杂,要捋清企业的债务债权关系也并非易事。
 
According to the executive, on the one hand, AMC has limited manpower and financial resources, many enterprises involved in P2P lending are mostly small and medium-sized enterprises, and there are often many loans or complex debt-to-creditor relationship, so that AMC to deal with these enterprises involved in the part of P2P lending creditor's rights, there is likely to be a cost-benefit mismatch; On the other hand, this round of "thunderbolt" P2P platform is often not a real information intermediary, the platform is not a simple debt relationship, the financing chain behind it and the legal relationship between debt and creditor's rights is extremely complex, to clear up the debt and creditor's rights of enterprises is not easy.
 
 
 
收购个人债权资产或更有空间
 
Acquisition of personal debt assets or more space
 
 
 
除了现有的政策法规制约,以及标的物的债权债务关系复杂,尽调难度大外,标的资产的高风险也是AMC态度谨慎的重要原因。
 
In addition to the existing policy and regulatory constraints, as well as the subject matter of the complex relationship between creditor's rights and liabilities, to adjust the difficulty, the high risk of the underlying assets is also an important reason for AMC attitude prudence.
 
 
 
有AMC资深人士直言,早在监管部门要求P2P平台要做信息中介之初,不少真正做信息中介的平台就因为“玩不转”这个模式而被出清了,今年爆雷的这些P2P平台中,很多自身的经营合规性都有问题,通过这些平台进行融资的企业不少本质也是庞氏骗局,并没有偿债能力,AMC是不会介入这类资产的。
 
AMC veterans have said frankly, as early as the regulatory authorities asked the P2P platform to be an information intermediary, many of the real platform to do information intermediary because of the "play can not turn" this model was cleared, this year the explosion of these P2P platforms, many of their own business compliance problems, through these platforms for financing enterprises Many of the essence is Ponzi scheme and has no solvency. AMC will not intervene in such assets.
 
 
 
“我觉得,收购P2P网贷平台上的企业债权资产风险相对高,投资回报的难度大。相比之下,由于个人信用质量通常较高,如果政策限制放开后,收购P2P网贷平台上的个人债权资产可能还有空间。”上述AMC资深人士称。
 
"I think that the acquisition of enterprises on the P2P lending platform creditor's rights assets risk is relatively high, the difficulty of investment returns. In contrast, because the quality of personal credit is usually high, if the policy restrictions are relaxed, there may be room to acquire personal creditor's rights and assets on the P2P lending platform. The above AMC senior personage said.
 
 
 
不过,该资深人士补充道,收购个人债权资产的前提是要有庞大的个人信用信息数据库,由于个人债权资产通常单笔规模较小,若借助个人信用信息数据库和专业化的清收机构,资产回收的概率相对较高。
 
However, the veteran adds that the premise for acquiring individual creditor's assets is a huge personal credit information database. Since individual creditor's assets are usually small in size, the probability of asset recovery is relatively high with the help of personal credit information databases and specialized clearing houses.
 
 
 
另有地方AMC人士表示,协助化解P2P风险,地方AMC的资源和能力优势可能会优于四大AMC。“毕竟地方AMC与地方政府的联动会更紧密,对标的企业的调查了解会更便利”。
 
Local AMCs may have better resource and capability advantages than the four major AMCs in helping to mitigate P2P risks, according to local AMCs. After all, local AMC and local governments will be more closely linked, the survey of the target enterprises will be more convenient to understand.
 
 
 
更多类型金融机构将参与化解P2P风险
 
More types of financial institutions will take part in resolving P2P risks
 

 


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