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深圳出台最严地方网贷 监管办法

2017-07-05 10:25:19   经济参考报

原标题:深圳出台最严地方网贷 监管办法

近日,深圳市金融办下发《深圳市网络借贷信息中介机构备案登记管理办法(征求意见稿)》(以下简称“深圳办法”),并提出银行存管和数据存放双项“属地化”要求,堪称史上最严地方网贷监管办法。

从数据存放“属地化”要求来看,深圳办法指出,深圳P2P平台申请备案登记,须满足“信息系统的软硬件设备及系统数据原则上应当存放在深圳市行政辖区内;数据管理部门应当设在深圳市行政辖区内,并且能够按照监管部门要求,提供业务系统数据的技术接口”。而据网贷之家数据显示,截至目前,深圳277家平台中,223家注册地与运营地不一致。由此可见,将有八成平台需要对此作出调整。

“在深圳的P2P平台,不少注册在深圳前海,但办公则在其他地方,这些平台,或将受到影响。”一位业内人士说道。

从银行存管“属地化”要求来看,据网贷之家不完全统计,截至目前共有50家平台与在深圳未设分行的银行签订直接存管协议,占113家已签协议平台的44%。由此可见,政策一出,深圳近五成存管平台面临不合规风险。

目前,已经发布正式官方文件的省市中,上海和深圳明确提出银行存管属地化要求。广东和厦门则没有属地化要求。“对于银行存管属地化,目前各方争议较大。今年2月,银监会发布了《网络借贷资金存管业务指引》,其中并无存管银行属地化规定。具体落实到各地金融办,是否要求属地化都有可取之处。目前来看,要求银行存管属地化的均为上海、深圳等一线城市,也是网贷平台集中发达地区。”开鑫金服总经理周治翰分析称。

中再融合伙人侯君告诉记者,深圳作为互联网金融最发达的城市之一,出台备案办法细则,对于加快其他各省市合规进程具有很好的推动作用。“实际上,随着行业整改延期,各地金融办在平台整改、合规门槛上都会进一步细化,在整改过程中完善实施步骤。对于平台来说,如何验收,以及合规后业务的进一步拓展也是要考虑的。”他补充道。

(责编:孙博洋、夏晓伦)

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