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网贷行业如何突出重围? 首金网带动行业新变革

2016-12-23 16:54:50   

一年一度的中央经济工作会议,历来被视作下一年宏观经济政策最权威的风向标。这次会议提出,要把防控金融风险放到更加重要的位置,让人们再次将目光聚焦在了互联网金融上。随着“十三五”规划的深入实施,供给侧结构性改革的积极推进,互联网金融的调整加速,网贷行业如何突出重围,投资人如何选择安全可靠的平台,都是值得关注的话题。

新方位:合规发展是主线

作为金融创新的产物,互联网金融风险与生俱来。随着国家监管力度加大,截止11月末,全国网贷正常运营的平台降至2534家,数量创今年以来新低。同时,网贷规模在不断扩大,单月交易额首次破2000亿,历史累计交易额达到3.1万亿元。如此表现,关键词还是合规发展。

平台的合规程度一般要从业务和资质两方面入手进行考量,业务主要是以监管提出的限额要求为参考,在资质方面则是指目前监管提出的“门槛类”要求,包括银行存管、ICP、备案登记等。像具有国资背景的首金网是根据京政办发[2014]58号文件精神成立,使用了民生银行资金存管系统,并且取得了ICP许可证(京ICP证160017号),成为中国互联网金融协会首批理事单位,担负着引领行业健康发展的责任。

新方向:加强监管是重点

今年是互联网金融的监管元年,从《关于促进互联网金融健康发展的指导意见》,到P2P网贷行业监管办法出台,再到《互联网金融风险专项整治工作实施方案》等一系列相关配套政策监管的密集出台,监管层全面开始“严监管”、“去杠杆”,防范个人和企业通过P2P平台的大幅加杠杆,并且力度只会增加不会减弱。

打铁贵在自身硬,有效的监管是发展的良机,网贷平台要想突出重围,只有狠炼内功,一步一个脚印,才能踏踏实实走下去。要按照要求在监管部门进行备案,在地方金融工作局的引导下工作,定期向社会披露平台信息等等。随时坦诚接受来自各个方面的监督才是应对监管的真正态度,平台公开透明,安全高效,自然会吸引投资者的眼球。

新变革:创造金融新生态

经济工作会议提出,着力振兴实体经济,坚持以提高质量和核心竞争力为中心,坚持创新驱动发展,扩大高质量产品和服务供给。小微企业在国内市场上扮演了重要角色,但只有10%的小微企业可以从银行获得贷款。没有充足的资金供应,小微企业发展失去了重要动力。

互联网金融的功能之一就是解决小微企业融资困局所面临的突出问题,作为银行以外对实体经济的有效补充,大多正规网贷平台采用抵押担保等形式,也能够很好地对冲风险,而为数不多的企业积极创新,综合施策,也取得了较好的效果。以国资背景网贷平台首金网为例,作为小微企业综合金融服务电子交易平台的首金网致力于解决小微企业融资难、融资贵问题,取得了明显成效。首金网的首金保产品独创的 “分层、分责、分险”金融生态体系涵盖了资金出借方、借款企业、服务平台、第三方增信机构、保险机构等诸多参与方,层层设置安全防范措施,也使得广大投资人放心。一旦遇到突发情况,经由首金网的风控体系,可以将小微企业整体的信用风险通过市场化手段逐级分解,逐一通过融担联盟化解流动性风险,担保公司实地尽调化解非系统性风险,保险公司分散联盟系统风险,同时通过政府的引导有效解决融担公司信用风险,保护广大投资人的利益不受损失。

展望2017年,我们对网贷行业发展信心满怀,同时也意识到真正的大考才刚刚开始。

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