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882家网贷平台彻底出局

2017-08-24 08:02:53   中国经济网

深圳商报记者 谢惠茜

8月24日,对于网贷行业来说,是注定要打上深刻烙印的一天。一年前的今天,《网络借贷信息中介机构业务活动管理暂行办法》(下文简称“《暂行办法》”)正式发布,开启了网贷行业的“监管时代”。在这一波轰轰烈烈的合规化浪潮中,有882家平台彻底退出了网贷行业。

882家平台退出网贷行业

《暂行办法》的出台也被业内视为“监管的原点”。随后,银行存管、地方备案等多个细则也陆续出台。据不完全统计,近一年来,至少有50多份针对网贷的监管细则陆续出台,力图将网贷行业引向“合规”之路。

在这样监管的急风骤雨之下,网贷行业也迎来了有史以来最大的一波“退出潮”。

据网贷之家提供的数据显示,一年以来,有882家平台退出网贷行业,其中恶性退出的问题平台225家,其中贷款余额超过千万元的有47家,良性退出的停业和转型平台657家。

再看作为网贷平台合规“标配”的银行存管情况。据网贷之家不完全统计,到了2017年8月8日,已共有375家正常运营平台与银行完成直接存管系统对接并上线,占网贷行业正常运营平台总数量的18%。与市场上2000余家网贷平台存量相比,网贷行业的银行存管率仍然不高。

行业出现四大趋势

“《暂行办法》出台后,整个行业出现了四大趋势:平台加速退出趋势;小额分散成趋势;银行存管全面铺开。此外,整个网贷行业的风险得到有效遏制。”广州互联网金融协会会长、广州e贷总裁方颂接受记者采访时表示。他表示,《暂行办法》出台后,行业未再发生“e租宝”类的震动全国的恶性事件,跑路平台的数量、规模持续下降,校园贷乱象也得到有效遏制。

那么,在监管这一年里,网贷企业的感受又如何?“这一年仿佛《平凡之路》中那句‘我曾经跨过山和大海’一样,我们需翻过银行存管这座大山,潜入等保三级这深海历经暗流冲刷300次。我们对照监管细则要求,对业务限额、信息安全、信批体系、风险评估体系都要逐一进行合规调整。这种感觉就像‘改作业’,有些因为本来做得对或者接近正确答案,很容易改;有些答题方向不一致,改起来有难度。”新联在线COO陈智诚坦言。

但陈智诚也表示,正因为这种认真“改作业”的态度,使得新联在线得到B轮国资股东的认可。优质平台通过监管整治这一试炼石,彻底将合规打磨成未来迅速发展的基石,在资金端和资产端充分发挥自身品牌影响力及壁垒优势,营造“羊群效应”。

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