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互金监管升级:第三方支付及网贷可能最先纳入MPA

2017-08-07 11:04:08   央广网

二是互联网企业金融化。主要业态包括了第三方支付、P2P网络借贷、众筹融资平台及大数据征信等。

一家股份制银行电子银行部人士对第一财经记者表示,互联网金融业态中体量比较大的是支付和信贷,其中支付领域已经形成了“双寡头”的格局。此外,互联网领域的信贷规模已经超过两万亿,这一体量相当于一家大型的城商行或者一个小型的股份制银行,所以把这两类机构纳入MPA监管很有必要。

央行数据显示,2016年全国非银行支付机构网络支付业务1639.02亿笔,金额99.27万亿元,同比分别增长99.53%和100.65%。

艾瑞咨询估计,2016年第三方支付机构移动支付交易规模达58.8万亿元,其中支付宝和微信合计约占市场份额的92%。

P2P网络借贷的规模也已经不容小觑,这主要是指以网络借贷平台作为载体和媒介,为个人之间的借贷提供中介服务。

从2007年第一家平台上线至2016年末,全国正常运营的P2P网贷平台共有2795家;全年累计成交额2.41万亿元。从发展速度来看,P2P网络借贷累计成交额突破1万亿元,用了超过7年时间,而突破2万亿元,仅用了7个月。

三是传统金融机构与互联网金融企业融合发展。具体案例有:2017年3月28日,阿里巴巴、蚂蚁金服与中国建设银行宣布战略合作。6月,中国工商银行与京东金融集团签署了金融业务合作框架协议;中国农业银行与百度签署战略合作协议,宣布将共建“金融科技联合实验室”;中国银行与腾讯宣布成立金融科技联合实验室等。

强监管推动行业洗牌

毫无疑问,互联网金融的强监管时代已经开始了。

中国人民银行等十部委2015 年7月联合印发了《关于促进互联网金融健康发展的指导意见》。

2016年4月以来,在党中央、国务院的统一部署下,全国各省市开展了互联网金融专项整治工作。

2016年下半年,央行又相继发布了《网络借贷信息中介机构业务活动管理暂行办法》和《关于实施支付机构客户备付金集中存管有关事项的通知》。前者是为了清理部分不合法平台,后者则是严厉打击备付金挪用的违规行为。除此之外,央行在今年相继吊销了数十家违规第三方支付机构的牌照。

一系列“大动作”之下,互联网金融风险事件不断爆发的势头得到遏制,经营有所规范,行业透明度进一步提高。

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