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互联网金融出台基本法:你妈管不了你花钱央妈能

来源: 南方日报网络版     时间: 2018年12月12日 22:12:50
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(  新)(京)(报)(讯)(  (记)(者)(陈)(杨)()“只)(听)(楼)(梯)(响)(,不)(见)(人)(下)(来)(”的)(互)(联)(网)(金)(融)(监)(管)(框)(架)(终)(于)(“靴)(子)(落)(地)(了)(”。昨)(日)(,中)(国)(人)(民)(银)(行)(、工)(信)(部)(、财)(政)(部)(等)(十)(部)(委)(联)(合)(发)(布)(《关)(于)(促)(进)(互)(联)(网)(金)(融)(健)(康)(发)(展)(的)(指)(导)(意)(见)(》,对)(互)(联)(网)(支)(付)(、网)(络)(借)(贷)(等)(互)(联)(网)(金)(融)(主)(要)(业)(态)(进)(行)(了)(明)(确)(规)(定)(。  中)(央)(财)(经)(大)(学)(金)(融)(法)(研)(究)(所)(所)(长)(黄)(震)(表)(示)(,互)(联)(网)(金)(融)(“基)(本)(法)(”的)(出)(台)(,意)(味)(着)(中)(国)(互)(联)(网)(金)(融)(告)(别)(了)(野)(蛮)(生)(长)(,进)(入)(了)(规)(范)(发)(展)(阶)(段)(,互)(联)(网)(金)(融)(将)(纳)(入)(法)(治)(化)(和)(依)(法)(监)(管)(的)(轨)(道)(。  靠)(“讲)(故)(事)(”提)(升)(市)(值)(将)(受)(抑)(制)(  由)(于)(互)(联)(网)(金)(融)(自)(萌)(芽)(起)(一)(直)(没)(有)(明)(确)(的)(定)(义)(,因)(此)(借)(助)(“互)(联)(网)(金)(融)(”进)(行)(市)(场)(管)(理)(的)(公)(司)(不)(在)(少)(数)(。此)(次)(意)(见)(明)(确)(定)(义)(互)(联)(网)(金)(融)(为)(:传)(统)(金)(融)(机)(构)(与)(互)(联)(网)(企)(业)(利)(用)(互)(联)(网)(技)(术)(和)(信)(息)(通)(信)(技)(术)(,实)(现)(资)(金)(融)(通)(、支)(付)(、投)(资)(和)(信)(息)(中)(介)(服)(务)(的)(新)(型)(金)(融)(业)(务)(模)(式)(。  此)(外)(,意)(见)(明)(确)(互)(联)(网)(金)(融)(的)(主)(要)(业)(态)(包)(括)(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)(和)(互)(联)(网)(消)(费)(金)(融)(等)(。一)(名)(业)(内)(人)(士)(表)(示)(,未)(来)(有)(金)(融)(机)(构)(牌)(照)(的)(互)(联)(网)(公)(司)(将)(进)(一)(步)(提)(升)(市)(场)(份)(额)(,而)(由)(于)(行)(业)(壁)(垒)(的)(提)(升)(,互)(联)(网)(金)(融)(行)(业)(浑)(水)(摸)(鱼)(靠)(“讲)(故)(事)(”提)(升)(市)(值)(的)(行)(为)(将)(受)(到)(抑)(制)(。  监)(管)(将)(实)(行)(“分)(业)(监)(管)(”  意)(见)(明)(确)(要)(求)(,未)(来)(对)(互)(联)(网)(金)(融)(的)(监)(管)(既)(要)(简)(政)(放)(权)(实)(行)(“宽)(监)(管)(”,也)(要)(“明)(确)(风)(险)(底)(线)(,保)(护)(合)(法)(经)(营)(,坚)(决)(打)(击)(违)(法)(和)(违)(规)(行)(为)(”。  在)(具)(体)(监)(管)(职)(责)(划)(分)(上)(,人)(民)(银)(行)(将)(负)(责)(互)(联)(网)(支)(付)(业)(务)(的)(监)(督)(管)(理)(;银)(监)(会)(负)(责)(包)(括)(个)(体)(网)(络)(借)(贷)((P2P)和)(网)(络)(小)(额)(贷)(款)(在)(内)(的)(网)(络)(借)(贷)(,以)(及)(互)(联)(网)(信)(托)(和)(互)(联)(网)(消)(费)(金)(融)(的)(监)(督)(管)(理)(;证)(监)(会)(负)(责)(股)(权)(众)(筹)(融)(资)(和)(互)(联)(网)(基)(金)(销)(售)(的)(监)(督)(管)(理)(;保)(监)(会)(负)(责)(互)(联)(网)(保)(险)(的)(监)(督)(管)(理)(。  北)(京)(网)(贷)(行)(业)(协)(会)(秘)(书)(长)(郭)(大)(刚)(表)(示)(,实)(行)(分)(业)(监)(管)(有)(利)(于)(创)(新)(,创)(新)(在)(确)(定)(性)(之)(下)(,可)(以)(得)(到)(预)(期)(的)(保)(障)(,但)(也)(有)(业)(内)(人)(士)(担)(心)(分)(业)(监)(管)(可)(能)(会)(带)(来)(监)(管)(漏)(洞)(。  P2P平)(台)(定)(性)(信)(息)(中)(介)(  意)(见)(中)(,备)(受)(瞩)(目)(和)(争)(论)(的)(P2P平)(台)(定)(性)(问)(题)(水)(落)(石)(出)(。意)(见)(要)(求)(个)(体)(网)(络)(借)(贷)((P2P)要)(坚)(持)(平)(台)(功)(能)(,为)(投)(资)(方)(和)(融)(资)(方)(提)(供)(信)(息)(交)(互)(、撮)(合)(、资)(信)(评)(估)(等)(中)(介)(服)(务)(。个)(体)(网)(络)(借)(贷)(机)(构)(要)(明)(确)(信)(息)(中)(介)(性)(质)(,主)(要)(为)(借)(贷)(双)(方)(的)(直)(接)(借)(贷)(提)(供)(信)(息)(服)(务)(。  盈)(灿)(集)(团)(副)(总)(裁)(、网)(贷)(之)(家)(CEO石)(鹏)(峰)(表)(示)(,将)(网)(贷)(用)(个)(体)(网)(络)(借)(贷)(来)(界)(定)(略)(失)(偏)(颇)(,不)(过)(,意)(见)(明)(确)(指)(出)(网)(贷)(行)(业)(并)(非)(无)(法)(可)(依)(,明)(确)(指)(出)(其)(受)(合)(同)(法)(、民)(法)(通)(则)(等)(法)(律)(法)(规)(以)(及)(最)(高)(人)(民)(法)(院)(相)(关)(司)(法)(解)(释)(规)(范)(,并)(再)(次)(强)(调)(了)(信)(息)(中)(介)(的)(性)(质)(,也)(是)(为)(所)(有)(从)(业)(者)(再)(次)(划)(清)(了)(监)(管)(的)(底)(线)(。  另)(据)(了)(解)(,此)(次)(发)(布)(的)(意)(见)(为)(框)(架)(性)(指)(导)(意)(见)(,各)(项)(具)(体)(监)(管)(细)(则)(并)(未)(同)(时)(出)(台)(,目)(前)(尚)(无)(具)(体)(时)(间)(表)(。  焦)(点)(1  P2P平)(台)(将)(不)(能)(提)(供)(担)(保)(职)(责)(?  意)(见)(中)(明)(确)(了)(个)(体)(网)(络)(借)(贷)(要)(坚)(持)(平)(台)(功)(能)(,并)(且)(明)(确)(了)(P2P平)(台)(不)(得)(提)(供)(增)(信)(服)(务)(,不)(得)(非)(法)(集)(资)(。人)(人)(聚)(财)(创)(始)(人)(许)(建)(文)(表)(示)(,这)(意)(味)(着)(P2P平)(台)(将)(不)(能)(为)(借)(款)(人)(提)(供)(担)(保)(的)(职)(责)(。  此)(前)(,P2P平)(台)(私)(自)(做)(资)(金)(池)(、卷)(款)(逃)(跑)(的)(恶)(性)(事)(件)(频)(发)(。就)(在)(意)(见)(出)(台)(前)(一)(天)(,深)(圳)(又)(有)(一)(家)(P2P金)(融)(公)(司)(资)(金)(链)(断)(裂)(,1600多)(投)(资)(人)(、近)(1亿)(元)(的)(投)(资)(资)(金)(打)(了)(水)(漂)(。  而)(P2P平)(台)(本)(身)(面)(对)(行)(业)(乱)(象)(,不)(得)(不)(利)(用)(增)(信)(手)(段)(争)(取)(投)(资)(者)(的)(信)(赖)(,然)(而)(增)(信)(本)(身)(又)(导)(致)(争)(议)(频)(发)(。P2P行)(业)(主)(流)(增)(信)(手)(段)(——担)(保)(,就)(因)(风)(险)(事)(件)(频)(发)(而)(饱)(受)(质)(疑)(。除)(了)(担)(保)(,备)(付)(金)(制)(度)(、资)(金)(托)(管)(等)(增)(信)(手)(段)(,也)(各)(有)(其)(如)(履)(约)(问)(题)(等)(硬)(伤)(。意)(见)(将)(结)(束)(P2P平)(台)(打)(着)(“信)(息)(中)(介)(”的)(旗)(号)(悄)(然)(做)(起)(资)(金)(池)(,实)(际)(上)(就)(是)(非)(法)(集)(资)(等)(“挂)(羊)(头)(卖)(狗)(肉)(”的)(乱)(象)(。  邦)(帮)(堂)(董)(事)(长)(寇)(权)(表)(示)(,“信)(息)(中)(介)(”身)(份)(和)(属)(性)(,意)(味)(着)(部)(分)(P2P平)(台)(以)(理)(财)(产)(品)(的)(名)(义)(进)(行)(宣)(传)(并)(不)(合)(规)(。合)(规)(的)(“信)(息)(中)(介)(”平)(台)(肯)(定)(不)(能)(汇)(集)(资)(金)(,包)(括)(投)(资)(者)(资)(金)(都)(要)(进)(行)(第)(三)(方)(托)(管)(,平)(台)(自)(身)(不)(能)(为)(投)(资)(者)(提)(供)(担)(保)(,平)(台)(不)(能)(承)(担)(信)(用)(流)(动)(性)(风)(险)(,不)(能)(承)(担)(贷)(款)(业)(务)(或)(开)(展)(受)(托)(投)(资)(。  有)(分)(析)(认)(为)(,P2P平)(台)(接)(下)(来)(会)(面)(临)(进)(一)(步)(分)(化)(,靠)(做)(资)(金)(池)(走)(监)(管)(漏)(洞)(的)(平)(台)(会)(很)(快)(倒)(闭)(,而)(“好)(孩)(子)(”会)(在)(更)(规)(范)(的)(监)(管)(环)(境)(下)(更)(好)(地)(成)(长)(。寇)(权)(表)(示)(,未)(来)(不)(符)(合)(监)(管)(标)(准)(的)(平)(台)(将)(被)(“吃)(掉)(”,如)(果)(不)(加)(以)(纠)(正)(,未)(来)(十)(之)(八)(九)(的)(平)(台)(可)(能)(面)(临)(被)(淘)(汰)(的)(风)(险)(。  挖)(财)(网)(副)(总)(裁)(王)(志)(峰)(对)(新)(京)(报)(记)(者)(表)(示)(,国)(内)(的)(网)(贷)(平)(台)(相)(对)(于)(国)(外)(的)(纯)(信)(息)(中)(介)(,政)(策)(已)(经)(放)(宽)(了)(许)(多)(,允)(许)(进)(行)(一)(些)(增)(信)(的)(手)(段)(,这)(主)(要)(是)(由)(于)(国)(内)(信)(用)(体)(系)(还)(不)(够)(健)(全)(。另)(一)(位)(业)(内)(人)(士)(也)(表)(示)(,未)(来)(回)(归)(纯)(信)(息)(中)(介)(的)(过)(程)(需)(要)(循)(序)(渐)(进)(,随)(着)(信)(用)(体)(系)(的)(建)(设)(而)(改)(变)(。  翼)(龙)(贷)(CEO王)(思)(聪)(表)(示)(,目)(前)(意)(见)(较)(为)(笼)(统)(,未)(来)(P2P的)(监)(管)(细)(则)(出)(台)(后)(料)(将)(对)(增)(信)(问)(题)(的)(准)(则)(门)(槛)(有)(更)(详)(细)(的)(要)(求)(。尤)(其)(随)(着)(网)(络)(小)(贷)(执)(照)(的)(放)(开)(,其)(从)(信)(息)(中)(介)(走)(向)(信)(用)(中)(介)(的)(过)(程)(中)(,增)(信)(问)(题)(也)(会)(有)(多)(重)(层)(面)(的)(要)(求)(,而)(非)(简)(单)(地)(禁)(止)(。新)(京)(报)(记)(者)(刘)(素)(宏)(陈)(杨)(  焦)(点)(2  支)(付)(宝)(、微)(信)(支)(付)(今)(后)(能)(付)(多)(大)(额)(度)(?  伴)(随)(着)(手)(机)(支)(付)(的)(兴)(起)(,央)(行)(对)(第)(三)(方)(支)(付)(的)(界)(定)(,牵)(动)(着)(阿)(里)(旗)(下)(的)(支)(付)(宝)(、腾)(讯)(旗)(下)(的)(微)(信)(支)(付)(的)(神)(经)(。  指)(导)(意)(见)(中)(,“央)(妈)(”首)(先)(认)(领)(了)(第)(三)(方)(支)(付)(这)(个)(孩)(子)(,明)(确)(了)(互)(联)(网)(支)(付)(业)(务)(由)(人)(民)(银)(行)(负)(责)(监)(管)(。此)(外)(,央)(行)(指)(出)(,互)(联)(网)(支)(付)(应)(始)(终)(坚)(持)(服)(务)(电)(子)(商)(务)(发)(展)(和)(为)(社)(会)(提)(供)(小)(额)(、快)(捷)(、便)(民)(小)(微)(支)(付)(服)(务)(的)(宗)(旨)(。不)(过)(,并)(未)(对)(第)(三)(方)(支)(付)(限)(额)(作)(出)(具)(体)(规)(定)(。  此)(前)(支)(付)(宝)(、微)(信)(因)(为)(第)(三)(方)(支)(付)(限)(额)(一)(直)(暗)(暗)(较)(劲)(,央)(行)(去)(年)(下)(发)(的)(《支)(付)(机)(构)(网)(络)(支)(付)(业)(务)(管)(理)(办)(法)(》征)(求)(意)(见)(稿)(中)(规)(定)(,个)(人)(支)(付)(账)(户)(转)(账)(单)(笔)(金)(额)(不)(得)(超)(过)(1000元)(,同)(一)(客)(户)(所)(有)(支)(付)(账)(户)(转)(账)(年)(累)(计)(金)(额)(不)(得)(超)(过)(1万)(元)(。有)(网)(友)(调)(侃)(“我)(妈)(管)(不)(了)(我)(花)(多)(少)(钱)(,央)(妈)(能)(”。  不)(过)(,业)(内)(人)(士)(表)(示)(,征)(求)(意)(见)(稿)(尚)(未)(落)(实)(,最)(终)(的)(支)(付)(限)(额)(可)(能)(会)(有)(变)(动)(。  在)(本)(次)(意)(见)(中)(,除)(了)(将)(第)(三)(方)(支)(付)(定)(性)(为)(“小)(额)(”,“央)(妈)(”也)(为)(第)(三)(方)(支)(付)(的)(规)(范)(性)(操)(心)(,规)(定)(第)(三)(方)(支)(付)(机)(构)(与)(其)(他)(机)(构)(开)(展)(合)(作)(的)(,应)(清)(晰)(界)(定)(各)(方)(的)(权)(利)(义)(务)(关)(系)(,建)(立)(有)(效)(的)(风)(险)(隔)(离)(机)(制)(和)(客)(户)(权)(益)(保)(障)(机)(制)(。新)(京)(报)(记)(者)(刘)(素)(宏)(  焦)(点)(3  互)(联)(网)(金)(融)(资)(金)(全)(都)(给)(银)(行)(存)(管)(?  意)(见)(要)(求)(,从)(业)(机)(构)(应)(当)(选)(择)(符)(合)(条)(件)(的)(银)(行)(业)(金)(融)(机)(构)(作)(为)(资)(金)(存)(管)(机)(构)(,对)(客)(户)(资)(金)(进)(行)(管)(理)(和)(监)(督)(,实)(现)(客)(户)(资)(金)(与)(从)(业)(机)(构)(自)(身)(资)(金)(分)(账)(管)(理)(。  由)(于)(互)(联)(网)(金)(融)(公)(司)(具)(有)(“非)(法)(集)(资)(”的)(雷)(区)(,所)(以)(大)(部)(分)(互)(联)(网)(金)(融)(公)(司)(都)(避)(免)(设)(立)(资)(金)(池)(而)(选)(择)(将)(资)(金)(托)(管)(出)(去)(。虽)(然)(此)(前)(不)(少)(“先)(行)(者)(”已)(经)(对)(银)(行)(资)(金)(托)(管)(模)(式)(进)(行)(了)(探)(索)(,但)(目)(前)(的)(主)(流)(资)(金)(托)(管)(模)(式)(仍)(是)(第)(三)(方)(支)(付)(机)(构)(托)(管)(。  对)(此)(,业)(内)(人)(士)(表)(示)(,目)(前)(资)(金)(托)(管)(占)(了)(第)(三)(方)(支)(付)(平)(台)(很)(大)(一)(部)(分)(业)(务)(,未)(来)(这)(些)(平)(台)(将)(会)(受)(到)(影)(响)(。  一)(名)(银)(行)(业)(人)(士)(表)(示)(,在)(托)(管)(关)(系)(中)(的)(各)(方)(需)(承)(担)(不)(同)(的)(权)(利)(义)(务)(,而)(存)(管)(的)(定)(义)(则)(更)(为)(模)(糊)(,开)(设)(一)(个)(存)(款)(账)(户)(也)(可)(以)(称)(为)(存)(管)(,自)(由)(度)(更)(大)(。此)(前)(已)(经)(有)(多)(家)(银)(行)(,如)(民)(生)(、兴)(业)(等)(为)(资)(金)(存)(管)(业)(务)(开)(路)(,现)(在)(指)(导)(意)(见)(终)(于)(出)(台)(,各)(银)(行)(存)(管)(类)(业)(务)(可)(以)(随)(时)(上)(马)(了)(。  翼)(龙)(贷)(CEO王)(思)(聪)(表)(示)(,由)(于)(第)(三)(方)(支)(付)(平)(台)(具)(有)(商)(业)(性)(质)(,因)(此)(透)(明)(性)(会)(受)(影)(响)(,而)(银)(行)(受)(银)(监)(会)(监)(管)(,更)(为)(公)(开)(透)(明)(,“目)(前)(银)(行)(和)(平)(台)(两)(方)(面)(对)(存)(管)(业)(务)(兴)(趣)(都)(比)(较)(浓)(厚)(”。新)(京)(报)(记)(者)(陈)(杨)(  作)(者)(:陈)(杨)(
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