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网贷行业洗牌继续加剧 问题平台数已达3169家

2017-06-06 12:50:43   经济参考报

网贷行业洗牌继续加剧 问题平台数已达3169家

普惠金融发展面临法律滞后等多重难题

据网贷天眼统计数据显示,截至6月5日,行业累计问题平台数已达3169家,行业洗牌继续加剧。事实上,近年来随着普惠金融的快速发展,一系列风险问题加速暴露。“市场上甚至出现了许多打着数字普惠金融的旗号,借助互联网从事非法集资等违法活动。”上海黄金交易所理事长焦瑾璞近日表示。

焦瑾璞认为,当下很多平台跑路频繁,消费者权益难保障;信息安全风险日益突出,用户信息泄露、丢失、被截取、被篡改等案件时有发生,消费者个人隐私、资金安全已受侵犯;加之现在互联网金融企业都是全国性的,产品覆盖面广,风险普遍较高。

目前来看,由于普惠金融跨界特征明显、金融模式众多、创新速度过快,仍缺乏完善的基础设施建设。“由于现在是分业监管体制,互联网金融一出现,金融混业经营格局错配,导致监管主体职责不明确。以前说的‘谁生的孩子谁抱’,现在不知道是‘谁生的孩子’。”中国互联网金融协会会长李东荣说道。

此外,普惠金融的发展也面临着法律体系滞后的问题。“在数字普惠金融服务中,金融机构与非金融机构之间界限不明显,因此传统牌照制度下的机构监管方法并不适用,因此更需要行为监管。”李东荣说道。

对于数字普惠金融的基础设施体系建设问题,李东荣认为,应加大公共部门、社会资本等多元化投入,进一步完善支付清算、信息通讯等基础设施体系,使普惠金融服务能够更加安全、可信、低成本地扩展到更广泛的区域和群体。

“此外,要依法使用传统银行信贷数据以及电子商务、公共缴费、网络金融交易等新型数据,逐步建立覆盖全社会的普惠金融信用信息体系,推进数字普惠金融统计和监测评估体系的建设,实施动态监测与跟踪分析,加快数字普惠金融的标准体系建设,提高普惠金融在服务要素、信息安全、隐私保护、产品定价、合同文本、合格投资者认定等方面的标准化、规范化水平。”李东荣说道。

总体看来,在推进数字普惠金融的过程中,应该研究推动包括政策、制度、技术等在内的一揽子系统性普惠金融解决方案。尤其对于数字普惠金融的风险治理体系方面,李东荣特别提及,应建立完善数字普惠金融的行为监管、审慎监管和市场准入体系,利用数字技术来改进监管的流程和能力,探索针对数字普惠金融的区域试点、产品实验、压力测试等创新管理机制,使创新带来的风险始终处于可管、可控的范围。记者 刘丽 北京报道

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