Banks Worry About The Loss Of Deposits But Sigh.

P2P is indeed very popular at present, but there are many problems and regulatory policies are not yet clear. Therefore, banks are very cautious about the cooperation with P2P enterprises. It has been revealed that some banks are very strict and even need approval from the head office to cooperate with P2P.

The person sighed, however, P2P enterprises are always holding bank thighs, false propaganda or exaggerated publicity and bank cooperation, in order to use bank credit as platform project risk endorsement. "Banks are also very helpless, worried about the loss of huge deposits, so there is a bitter dare not say." The person worried. However, once the platform is in trouble, banks will also be implicated. "Many platforms are billions of spanactions, and tens of millions of insurance can not cover risks at all."

The source also told reporters that in addition to packing bank deposits into a risk reserve fund for cooperation with banks, even if more capital trusteeship of P2P is currently being raised, banks are only doing capital registration and liquidation, and will not audit the risks of platform projects. According to the introduction, because of the high requirements for the banking system, there are not many P2P enterprises hosting funds in the bank.

According to the March data released by P2P third party network loan home, 138 new online P2P platforms were launched in March this year, and the P2P platform reached 56, which was only slightly lower than last month.

Recently, the industry has been discussing the possibility of establishment. P2P Net loan industry regulatory access threshold, namely, the platform registration funds, capital leverage ratio, maximum loan amount and other restrictions. "Net loan home" predicts that a large number of platform failures may become normal before and after the introduction of policies. The growth rate of operation platforms will slow down, and the number of platform problems in 2015 will reach a new peak.

Under the pressure of frequent platform accidents, how to pass all kinds of Ways of increasing credit To win the trust of the people has become the top priority. The means of increasing faith are also "Eight Immortals crossing the sea". Reporters learned from the industry that in addition to holding banks' thighs, there are generally the following ways:

It includes cooperation in capital custody with banks and third party payment platforms. guarantee Small loan and insurance cooperation in wind control and strategic cooperation with various other enterprises. For example, yesterday, Yixin wealth announced a strategic partnership with Wellington management company, the US asset management agency.

Accepting shares or acquisitions of listed companies can enhance the strength of the company and increase the cost of breach of contract. If silver Jie is to buy part of the shareholding of Shenzhen P2P platform union gold company and small loan company, the company intends to participate in Guangzhou easy loan and so on.

Some platforms are beginning to spanform from "platform professionalism" to "spanparency of project disclosure", and more about their own wind control team, so that investors can better understand their projects and increase credit. For example, at the beginning of the month of Heze fortune new mortgage loan product, if the amount of investor and borrower is completely matched, investors can mortgage the borrower's car to his own name.

The industry believes that these credit enhancement measures can really enhance investor confidence, but there are also some platforms in order to achieve the purpose of increasing credit, deliberately exaggerate or fabricate the fact of increasing the credit, or steal the concept.