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中国公布P2P借贷新规

财富中文网 2016年08月28日

中国政府正在对这一600亿美元的巨大市场进行整顿。

中国在周三宣布新的规定,对国内规模达600亿美元的P2P借贷市场加强监管。此前,由于监管不力,这一市场充斥着各种丑闻和欺诈。

由中国银行业监督管理委员会(CBRC)、公安部、国家互联网信息办公室、工业和信息化部联合发布的文件中,包括P2P借贷平台不得吸收公众存款、归集资金设立资金池、不得自身为出借人提供任何形式的担保等规定。

该文件在北京召开的一次新闻发布会之前公布。

根据新规定,P2P借贷公司也不得发售金融理财产品,不得开展资产证券化活动,借贷公司的投资者资金必须由第三方银行托管。

今年四月份,中国国务院通过了一项计划,决定对国内增长迅速、监管松懈的互联网金融行业进行专项整治,因为该行业正在造成日益加剧的金融风险和潜在的社会动荡。

(财富中文网)

译者:刘进龙/汪皓

China announced new rules on Wednesday to tighten regulation of the country’s $60 billion peer-to-peer lending sector, which has been dogged by scandals and fraud due to loose oversight.

Among the rules, P2P platforms will not be able to take public deposits, nor create asset pools, nor provide any forms of guarantee for lenders, according to a joint document issued by the China Banking Regulatory Commission (CBRC), Ministry of Public Security, Cyberspace Administration of China and the Ministry of Industry and Information Technology.

The document was distributed ahead of a news conference in Beijing.

Under new rules, P2P firms will also not be able to sell wealth management products, nor issue asset-backed securities and firms will have to use third-party banks as custodians for investors’ funds.

The new regulations follow the April passage of a plan by the State Council, China‘s cabinet, to clean up the country’s rapidly growing but loosely regulated online financial sector, which is causing growing financial risks and potential social unrest.

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