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3个月过渡期倒计时 P2P上演存管生死时速

2017-05-23 10:21:25   经济参考报

原标题:3个月过渡期倒计时 P2P上演存管生死时速

据网贷之家研究中心不完全统计,截至2017年5月19日,共有408家正常运营平台宣布与银行签订直接存管协议,约占同期P2P网贷行业正常运营平台总数量的18.43%,其中有211家正常运营平台与银行完成直接存管系统对接并上线,占P2P网贷行业正常运营平台总数量的9.53%。随着过渡期仅剩3个月,网贷平台接入存管速度明显加快,同时存管费用也水涨船高。

值得一提的是,近日建设银行广东分行也推出了互联网金融资金存管产品“龙存管”。据了解,建设银行“ 龙存管”对互联网金融平台设置了较高的准入标准,在股东背景、实缴资本、月交易量、监管要求、业务指标和风控指标等6个方面、13条细则上做出了限制。网贷天眼分析师表示,在目前已公布的银行存管对接标准中,建行“龙存管”堪称“攀龙门”,能够满足其对接要求的网贷平台不会超过100家。

《经济参考报》记者采访了解到,目前不少银行的存管费用较去年有了不同程度的上升,总体来看,银行存管价格不菲。“一般每年动辄百万、甚至上千万。例如,‘龙存管’项目,包括存管年费、技术对接费、通道费、维护费等在内,费用为150万元每年。再者,距离监管层规定的银行存管‘大限’将至,已经上线银行存管的网贷平台尚不足现存平台的一成,能够对接存管的银行属于稀缺资源,站在银行的角度选择合作平台也是一次‘风险定价’的考量。因此,存管费用的上涨可以视为是市场供需关系的直接体现。”人人聚财创始人许建文说道。

“此外,有些银行最初上线网贷存管业务时,为了拓展自身业务范畴,吸引更多优质、大体量的网贷平台,确实存在一定费率上的优惠。随着银行业务形成一定规模以及网贷平台资金存管限期将至,网贷存管业务供小于求,存管费用自然也会有所上涨。”开鑫金服总经理周治翰说道。

新联在线COO陈智诚认为,银行在平台资质、收费门槛上的提升,一方面是银行对自身声誉、风险转移控制等自我保护的体现,另一方面是通过提升门槛,劝退底子薄弱的平台,促使行业“良币驱逐劣币”进程,规范行业健康发展生态。

事实上,从另一个层面讲,银行存管的成本门槛将会迫使中小平台主动退出。投哪网董事长吴显勇表示,要想接入银行存管,各大平台除了支付高额的费用外,还需要成立专门的团队对接系统,后续仍需要人力成本的投入,这无形中提高了“合规”的门槛,一些“无背景”和“资历浅”的平台不得不选择放弃,这是行业健康发展所必须经历的阵痛。

(责编:孙博洋、夏晓伦)

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