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熊猫金库年亏近千万 主打活期产品或涉违规

2017-08-30 09:46:45   央广网

那么,从借款期限上看,该新手标号称“随存随取”就存在期限错配,借款到期日与“随存随取”的定位就不符合。此外,在投资之前和之后,中国网财经记者始终没有看到初始借款人的信息,无从知晓底层资产。

上述资深业内人士指出,P2P平台的活期理财产品的最大的风险就是拆分和错配,投资人根本不知道资产底包是什么。

他还指出,活宝产品存在信批不完备的问题。“8月24日银监会发布的《网络借贷信息中介机构业务活动信息披露指引》规定,网贷机构必须披露真实借款人信息,必须透明。这样的信批肯定是不到位的。投资人到底买了几个借款人的债权,每个债权人收到了多少钱?投资人可能都不知道。”

对于上述质疑,中国网财经记者采访了熊猫金库工作人员。他们否认了活期产品存在违规,并表示,熊猫活宝是熊猫金库的一款更加灵活的出借服务,本质上是通过投资人之间的债权转让行为实现的。

“熊猫金库接入了新网银行银行存管系统,银行是实时监测每一个交易,每一笔钱对应的债权关系,熊猫金库不存在资金池的可能。作为网络借贷信息中介平台,熊猫金库的工作是撮合投资人的债权购买和转让,利用技术手段,熊猫金库能够做到48小时内的债权转让。熊猫金库在平台上先推荐借款项目所需的资金及相关信息,出借人根据平台的推荐进行选择预出借的项目及金额,经过出借人的确认后及相应出借金额到达借款人时一个完整的债权债务关系才形成,不存在期限错配行为。熊猫金库所对接资产均符合按照监管部门要求,所有的借款项目都由所对接资产端公司进行现场确认,严格按照暂行办法规定进行推荐,不存在拆标行为。”上述工作人员称。

不过,从监管层面来看,P2P的活期理财产品的生存空间也将越来越小。根据广东互联网金融协会下发的《关于规范我会广东省(不含深圳)网络借贷信息中介机构会员单位出借人之间债权转让业务的通知》(以下简称通知)规定,债权人必须持有该债权3个月以上,方可进行转让。业内普遍认为这对于P2P平台的活期理财产品影响较大。

此外,据经济参考报近日报道,上海市黄浦区互联网金融风险专项整治办公室在闭门工作会议中宣讲了国家互联网金融整治规定:“不能有活期产品,出借资金不能随借随取,活期只能银行来做。”。

年亏近千万 称是前期投入高

熊猫金库官方网站显示,其运营方为广东熊猫镇投资管理有限公司,成立于2016年2月。截至8月29日,熊猫金库上线523天,平台综合年化回报率超10.%,用户超96万人,成交量突破120亿元。

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