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监管制度下互联网金融“劣币”被加速驱逐

2017-07-06 18:16:20   中国经济网

互联网金融蓬勃兴起,对于支持国家创新驱动发展战略,推动大众创业、万众创新和供给侧改革,提升金融服务普惠性和覆盖面具有积极意义。近两年来,国务院针对互联网金融展开专项整治活动,接连出台的监管政策,无疑是国家加快实施创新驱动发展战略、促进经济结构转型升级的重要举措。

同时,严格的监管机制也引发了行业就如何拥抱合规、积极转型,如何运用新技术、探索新模式、开启发展新未来等问题的深度探讨。

“穿透式”监管制度下“合规”是第一要义

今年2月,《网络借贷资金存管业务指引》(简称《指引》)正式落地,明确指出禁止多头存管;不允许非银机构参与;必须向地方金融监管部门备案登记和获得相应增值电信业务经营许可;不得用存管银行进行公开营销宣传……在这种被称为“穿透式”监管制度之下,互金行业随即引发“淘汰”与“机遇”的大讨论。

据业内人士统计,80%具有传统运营模式、相似理财产品的平台,在合规的大势之下,或面临着淘汰危机。然而对于具有创新力的互联网金融平台而言,“严格的监管制度”则提供了可以大胆创新尝试的规范市场环境。

“监管制度的出台,其目的是鼓励和保护真正有价值的互联网金融创新,厘清市场中的违法违规行为。”凤凰卫视集团旗下投资理财平台凤凰金融总裁张震表示,“合规是发展的前提,行业的合规化管理有利于展开有序地差异化竞争。这不仅有益于激发平台的创新能力,增强服务意识,还可避免同质化造成的金融资源浪费,保障金融机构、投资人、企业和平台的多方利益。”

“劣币”被加速驱逐强强联手呈趋势

自2016年以来,针对互金行业的专项整治活动如火如荼,互金专项整治的扩大化和提速,加快了行业的优胜劣汰,良币驱逐劣币的市场格局逐渐显现。据专业人士分析,平台间“强强联手”的优势合作,成为互金平台寻求突破发展的趋势。

“凤凰金融不设置资金池,严格挑选合作银行,完成用户资金存管;严格筛选合作机构,拒绝任何会给用户资金带来风险的机构,以用户资金安全、收益保障为基础,拒绝任何看似高收益的产品给用户资金造成的高风险。”张震介绍说。

据悉,今年4月份,凤凰金融与国内最大的城商行北京银行达成资金存管业务合作,采用直接存管模式,这也顺应了国务院在“资源的互补”方面所支持的态度。“鼓励从业机构相互合作,实现优势互补。支持各类金融机构与互联网企业开展合作,建立良好的互联网金融生态环境和产业链。”张震介绍,凤凰金融通过银行背景、行业地位、技术能力、用户体验等4大一类指标、26个细项指标对广泛的银行业合作伙伴进行了逐一排查和量化评估,严格挑选了最优的合作方,旨在全力保障用户的资金安全。

服务细分业务多元发展的平台将崛起

政策收紧,使互金行业进入以注重服务的细分优化为基础,以多元化业务发展为突破的新一轮转型期。

据张震表示,在践行合规发展的道路上,想要占领市场脱颖而出,最重要的就是安全与专业,这也是当前形势下互金平台立足的关键。“安全是金融的核心,也是企业发展的生命线,有实力的互金平台只有不断强化风控体系,严格甄选入驻机构和产品,才能保障用户的利益,实现安全稳健的发展。”与此同时,在细分市场领域寻求突围和创新,专注于不同领域、不同细分市场,构建差异化优势和竞争实力,将推动一批有实力的多元化机构的崛起。

据悉,凤凰金融在业务模式上,与行业内垂直化的平台相比更加多元化,涉及定期、网贷、基金、保险、海外投资等多条业务线,以前瞻性的发展格局推动自身的多面发展,旨在为全球华人提供优质、多元的投资理财产品和定制化的专业智能服务,满足一站式的投资理财需求。

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