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桔子理财坚持小微分散 稳健助力投资人财富增值

2017-06-22 17:34:06   

近日,在银行资金存管大限将至之际,上海市金融服务办公室在官网公布的《上海市网络借贷信息中介机构业务管理实施办法(征求意见稿)》中明确要求,P2P网贷平台取得备案登记后,应当在6个月内完成“选择在本市设有经营实体且符合相关条件的商业银行进行客户资金存管”,征求意见截止到6月底。一时之间,“银行存管属地化”引发市场热议,全国其他地区是否会跟进上海规定也成为大家关心的焦点。

而对第一时间达到合规要求的头部机构,如乐信集团旗下桔子理财来说,由于存管银行为知名品牌广发银行,全国均有网点,已经完全不需为这项政策烦恼,桔子已经将工作重心落在了合规后为投资人财富增值布局更加优质的资产上。

2017年2月底,银监会起草的《网络借贷资金存管业务指引》正式出炉,网贷平台接入银行存管服务成为硬性要求,没有接入的平台直接要求下线。合规成为互联网金融行业洗牌、重新一轮优胜劣汰的转折点。整个互联网理财行业处于清理整顿期,加上存管业务的技术门槛和资本门槛也比较高,大多数的都将被直接清理出局,业内普遍预计,只有两成平台可存活。

在《网络借贷资金存管业务指引》发布前一周,桔子理财宣布正式上线广发银行资金存管系统,率先实现合规。广发银行对平台完成实名认证的用户交易资金进行存管,每月定期出具存管报告,投资人可以在桔子理财官网查询,资金的安全性和透明性得到了极大保证。

2017年5月开始,建设银行、中国银行几乎同时挺进校园金融市场,推出校园金融产品,桔子理财的母公司乐信集团也与工商银行建立了战略合作,双方联合在推出工银分期乐联名卡,以银行+互联网金融科技公司的模式共同开发校园市场。6月份,银监会、教育部、人社部联合发布联合发布《关于进一步加强校园贷规范管理工作的通知》,桔子理财第一时间为投资人释疑解惑,就网贷平台暂停校园贷的通知发布“业务合规说明”,宣布将逐步停止学生消费金融资产供应,这部分债权将推荐给指定的持牌金融机构进行合作,由银行审核后提供服务;白领人群的消费金融资产供给不受影响,已购买理财产品收益及服务不受影响。

桔子理财的消费金融债权绝大部分来自于乐信集团旗下分期乐商城,经过近四年的发展,目前分期乐已成为注册用户数超过1200万的综合性分期购物商城,白领人群已经成为分期乐商城消费的主力。截至今年年底,将有15家银行信用卡接入分期乐商城,届时将实现对4亿白领用户的全覆盖。由于在分期乐的信用累积,白领的授信额度和消费客单价远高于大学生,据平台数据显示,白领用户的平均客单价是学生群体的3倍以上。小额分散的白领债权是桔子理财一直匹配的优质资产。

与此同时,桔子理财在“业务合规说明“里表示,后续还将继续加大白领小额分散的资产供给,与更多持牌金融机构合作,引入固定收益类、基金等其他更多的稳健投资产品,满足广大投资人多样化的理财需求。

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