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P2P“存管雷”爆发 银行招架不住了

2017-09-25 08:46:53   中国经济网

据上述工作人员介绍,在不同阶段,网贷平台选择存管银行的侧重点不一样。“在目前这个阶段,对于实力强大的平台,在乎的是银行的规模,越大越好。此外,也重视费率以及体验”。

该工作人员同时告诉《国际金融报》记者,对于一些中小平台来说,更在乎的是“能成功上线存管系统”,毕竟合规是硬指标。或许这便是不少中小平台投奔广东华兴银行的原因之一。

事实上,在过去两年,网贷平台与存管银行的合作关系也发生了变化。平台经历了从没有过多的选择,到主动有银行找上门服务。

2015年12月28日,银监会发布了《网络借贷信息中介机构业务活动管理暂行办法(征求意见稿)》(下称“征求意见稿”),其中已经提出“网络借贷信息中介机构应当实行自身资金与出借人和借款人资金的隔离管理,选择符合条件的银行业金融机构作为出借人与借款人的资金存管机构”。

“征求意见稿出来后,我们立刻停掉第三方存管的进程,专攻银行。但那个时候其实很艰难,几乎是没有选择。”上述工作人员告诉《国际金融报》记者,当时愿意做这项业务的银行很少,而且那个时候平台自身也没有那么成熟。所以几乎就是被选择的状态,没有太多选择的余地。

然而随着时间的推进,今年2月银监会发布《网络借贷资金存管业务指引》,越来越多的银行因为政策落地而放开了此项业务。“这时候我们的选择才陆续多了起来,有银行找上门说希望我们考虑他们家,市场回到了一个供求平衡的状态。”上述工作人员介绍。

银行可免责吗

面对P2P平台屡屡出现问题,存管银行都是表现出一副“事不关己”的态度。

9月20日,徽商银行客服就酷盈网事件回应《国际金融报》记者:已经主动联系北京当地公安机关配合完成相关协查工作,另外其于9月6日起对酷盈网存管业务采取必要措施:第一,对出借人正常提现不做限制;第二,对借款人正常充值不做限制;第三,对平台在徽商银行开立的自有账户正常充值不做限制;第四,暂时限制平台在徽商银行开立的自有账户所有提款操作;第五,暂时限制平台在存管系统中的新发标的和放款行为;第六,提取自平台上线徽商银行存管以来相关交易数据备查;第七,维持相关借贷关系的正常还款和提现。

徽商银行客服同时向《国际金融报》记者建议,投资人应尽快前往所在地公安机关进行报案。

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