Funds into a bank deposit or managed P2P platform, no doubt the platform with client money isolate, prevent customer funds were diverted to the "safety valve" function. But for a long time, since there is no supervision, this safeguard is only a handful of P2P companies. Now with the financial regulatory policy for the Internet, P2P platform into a bank deposit of their funds from voluntary to compulsory, a growing number of online lending platform began to immediately respond and seek to build the depository of funds with the Bank channel.
Banks also discovered the new world of business, there are a number of banks have cooperated with P2P platform on this business, but from the P2P industry in terms of size of the deal, depository of business will be the total of the order of hundreds of millions of Yuan.
Cash deposit into the platform hard
For a long time, most of the P2P platform, customers are still at risk. Relevant data show that platform funds managed up to more than 70%-free and some trust cooperation even P2P platform, largely dominated by third party payment platforms. Recently, people's Bank of China, 10 Department Board released on promote Internet financial health development of guide views clear Internet financial platform select Bank as funds save tube institutions, and then released of non-bank paid institutions network paid business management approach (sought views draft), clear proposed, paid institutions shall not for financial institutions, and engaged in credit, and financing, and financial, and guarantees, and currency exchange, financial business of other institutions open state paid account.
Introduction of new regulatory policies are bound to change the current P2P platform for funds deposit model. For the purposes of third party payment, the Internet provided new financial rules might block its P2P money depository of the channel. Before the new rule, meeting pay for market share in the world's largest third party payment enterprises, its market share is about 1/3. Insiders pointed out that the main purpose of these observations is the P2P platform with customer funds (including investors and borrowers) physical separation to prevent platform "pool" do financial business to prevent misappropriation of customer funds were platform. The introduction of the new rules, in the road to cut off P2P cooperation with third party payment at the same time, also encourages future P2P platform on this business to banks.
Banks benefit from planning layout
A happy family to worry about. Under the new rules to save third pay payment channel blocking when funds depository bank in P2P platform was opened on the road, facing the P2P Platform scale total tens of billions of transactions, banks have been start to layout.
"Guidance has clearly P2P actors should choose banks as financial depository institutions, in line with the purpose of promoting the healthy development of Internet financial, industrial and commercial bank is undertaking studies depository for P2P funding" at the regular meeting of the Bank held on August 6 at the CBRC, ICBC said Xue Hongjian, Department of product innovation management.
Compared to is still in the preparatory phase of the big state-owned bank, small and medium banks in action is more rapid. As early as June this year, suitable for its pleasant loan announced cooperation with Guangdong Development Bank trust, the two sides jointly started the industry's first P2P money-managed accounts-book your Live account. Pleasant in Guangdong Development Bank loan to open the 3 accounts (service charge accounts, P2P business accounts, risk account) are banking supervision account, finance users lend pleasant is not putting money in lending platform, but in the Guangdong Development Bank's trust account. In late July, another P2P platforms like money funds in cooperation with huishang Bank direct banking deposit system is online.
It is understood that there are a number of banks are to formulate the appropriate P2P money depository solutions.
P2P platform to find balance between policy and operations
Regulatory policy ground, disrupting P2P platform ever depository of funds through third-party payment companies running track, and sought cooperation with the Bank in the future is the inevitable road. From a user's security point of view, bank deposit funds are currently better mode of the platform, but net lending platform has its own considerations, after all, third party payment to participate in P2P money deposit, due to long-term market exploration. Pay the company's interbank trading capacity, rapid iteration and operational response, this is the P2P companies desperately needed. Liu Qiang East on East Beijing 12 strategic development
In the "guidance" is published, worries some P2P platform that, banks can be completed within a short time the depository system debugging, can have the ability to so many P2P companies to do this service. Worth noting is that the securities Journal found that although several banks have said they will act, but most of them are still in the preparatory stage, most banks are still in the system, process and risk control of the Bank to carry out P2P studies depository business stage.
Banks and P2P platform butt real landing implementation take time, financial security compliance deposit and P2P to find the best balance between operational requirements and is a P2P platform is the most valued, and third party payment companies and banks are funding P2P platform "joint custody" programme is one of the main modes.
Phu Huu P2P payments starting in 2012 service company "depository of funds", since the four quarters last year, rich friends to pay P2P money deposit problems and study on 10 major commercial banks, and eventually developed a lending platform for P2P network funding for "joint custody" programme, this programme will be the fastest at the end of August on the line. According to programme design, will by Bank served as P2P platform of funds save tube subject, put Phu Huu of P2P company customer directly docking to Bank, P2P company user of trading precipitation funds save tube Yu P2P company in Bank open state of special account, special account by Bank for save tube, user funds in trading Hou into Bank special account, and not third party paid company of prepared pay gold account, effective avoid has third party paid save tube funds of policy obstacles.
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