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最严资金存管制度使网贷大洗牌
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Topic: 最严资金存管制度使网贷大洗牌 (Read 271 times)
Haslett5236
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最严资金存管制度使网贷大洗牌
March 14, 2017, 03:18:54 AM
#1
为防范网络借贷资金挪用风险,银监会2017年2月23日发布《网络借贷资金存管业务指引》(以下称《该办法》),要求实现客户资金与网络借贷信息中介机构自有资金分账管理。
《该办法》基本全盘借鉴证券客户交易结算资金第三方存管的机理,来对网贷客户交易资金实行第三方存管。从证券客户交易结算资金第三方存管开展十多年看,是完全成功的。杜绝了券商挪用客户证券交易保证金的现象,确保了客户资金安全,没有发生挪用客户资金的情况。
将其照搬到网贷客户资金管理存管上,大方向没有问题。关键在于具体细节上是否存在瑕疵,需要时间来证明。毕竟网贷客户资金与证券客户交易结算资金性质完全不一样。
《该办法》具有几个鲜明特点。其一,网贷机构只能指定唯一一家商业银行作为资金存管机构。必须是商业银行,还必须是唯一一家。这与证券客户交易结算资金第三方存管不一样。后者可以选择若干家。其结果或造成多家银行竞争抢夺优质网贷平台,或导致一些网贷平台找不到存管银行。
其二,商业银行担任存管人,不应被视为对网络借贷交易的担保。商业银行不对网络借贷资金本金及收益予以保证或承诺,不承担资金运用风险。出借人须自行承担网络借贷投资责任和风险。明确了存管银行不承担借贷收益与偿还责任是非常正确的,同时也明确网贷平台在宣传时不能拉虎皮做大衣提及存管银行,让存管银行给其站台和增信。强化出借者自担风险责任是没有任何异议的。
其三,对已经开展存管业务的网络借贷信息中介机构和商业银行,存在不符合要求的,给予6个月内的整改期。
《该办法》实施后,目的在于加强网贷客户资金管理,确保客户资金不被平台挪用。但却直接提高了网贷平台企业的门槛。由于网贷平台风险频现,跑路不断,信誉信用度过低,商业银行对其心有余悸、谈虎色变。导致其根本不敢接近与涉及。因此,《该办法》的实施将引发现有网贷平台大洗牌是注定的。优质、大型、信用信誉程度高的网贷平台,商业银行争前恐后做第三方存管者,而大部分小型网贷平台,银行或都远离弃之。
同时,必须看待《该办法》也存在几个明显不足或导致出现一些状况。一是对存管银行责任强化较弱。比如,一旦发生客户资金被挪用后存管银行负什么责任?模糊与不清楚。《该办法》明确存管银行可以收取存管费用,那么相应应该负担一定责任。存管银行说到底要对客户资金被挪用负监管不力的责任。否则,就失去第三方存管的意义了。
二是所谓“存管”,是指以存款的形式由第三方银行负责资金的管理模式。不过,《该办法》没有明确对网贷客户资金以存款形式放在银行是否支付利息?而仅明确了双方(网贷平台与存管银行)协商存管收取费用。
三是《该办法》的实施或将导致一些网贷平台逼迫沦落到从事地下民间网络借贷地步。以网络平台形式出现的民间借贷市场或在地下悄悄诞生。
jfekofen
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Re: 最严资金存管制度使网贷大洗牌
March 14, 2017, 06:13:48 AM
#2
行业发展必经的路程,最后形成几家大公司
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最严资金存管制度使网贷大洗牌
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