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随后,记者在百度搜索“网贷”关键词时,从搜索首页中推送的几家网贷平台中发现,除前述5家违规平台外,还有部分网贷平台在经营范围中,不但没有“网络借贷信息中介”的字样,连“金融信息服务”的内容都没有。
例如,宜人贷(恒诚科技发展(北京)有限公司),其经营范围中与资金相关的有经济贸易咨询、市场调查、投资咨询、企业管理咨询。
而宜人贷方面告诉法治周末记者,宜人贷是将借款人和出借人进行线上对接的运营模式,所以运营范围中没有网络借贷信息中介的资质。
再比如翼龙贷(北京同城翼龙网络科技有限公司),成立于2007年,是国内P2P行业中第一批探索者。法治周末记者通过国家企业信用信息公示系统查询到,该公司的经营范围为技术推广服务、投资咨询、企业策划、会计咨询、经济贸易咨询和会议及展览服务。
“网贷企业经营范围不符合《暂行办法》要求,虽然在严格意义上属于违法违规行为,但一方面网贷信息中介机构经营范围本身就没有明确标准,另一方面,变更至符合《暂行办法》要求的经营范围,是否存在风险也与此无直接关系,而是看具体业务开展过程中的合规合法性以及风险控制情况。”石鹏峰表示。
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