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CGTN报道:中国监管部门正出台政策 维护P2P行业健康发展


2018-08-13  发表于

  (以下报道来源于中国国际电视台(英文简称CGTN,别称中国环球电视网),是中国中央电视台筹备的新国际传播机构,成立于2016年12月31日。)

  CGTN吴磊报道

  近期,诸多中国P2P企业因违法金融行为或借贷逾期而发生“爆雷”现象,其中许多企业的负责人已被警方拘留,或仍在跑路。因此,监管部门应该如何在保证投资人利益的同时维护P2P企业的正常运营与发展?来自CGTN的记者吴磊带来如下报道。



  30岁的王浦自2014年始便在P2P领域进行投资。为了追求更高的收益率,在过去4年中,他曾在近百家平台有过投资行为。但是,更高的收益率显然意味着更高的风险。

  “P2P平台的收益率的确很高。有一次,我几乎把所有的积蓄都放进去了,大概是130万。但最终的投资结果是损失了50万。至今我都不知道这笔钱去了哪里。”王浦说道。

  他还说道,好几个他正在投资的平台,都在近期“爆雷”了。很多企业老板都被警方拘留,或者干脆跑路失联。“我很焦虑也很沮丧,也不敢和家人说,尤其是我妻子。”

  过去2年中,他通过各种微信群认识了很多同他一样投资P2P平台的朋友,有些人因为此次雷潮损失了上百万人民币。他们经常在一起分享这个行业的最新信息,讨论维权的对策。

  现今,越来越多的中国家庭在努力通过各种办法管理自己日益增长的财富。但是由于理财知识的匮乏,许多人认为,对他们来说,很难分辨一个平台究竟是否合法运营,同时,在平台出现问题时,他们对于如何保障自己的权益也束手无策。

  作为中国数千个互联网金融平台中的一个,盈盈理财成立于2013年,目前有一千万用户。盈盈理财联合创始人兼CEO王佳亮表示,投资人在选择投资某个平台之前,有必要多做功课。

  王佳亮说道:“在投资之前,你必须知晓这个平台是否通过其存管银行处理资金流。再一个,平台的信息披露是否准时、透明。第三,对该平台的股东实力是否强劲做一个判断。”



数据显示,截止今年7月,中国的P2P平台数量从2014年的5000多家减至2000多家。浙江互联网金融联合会主席贲圣林表示,虽然互联网金融行业的洗牌过程会异常痛苦,但对于整个行业的长远以及健康发展来说,是件好事。“我们需要对投资人进行教育,同时,我们需要尽快出台相关法规政策,对行业内非法集资的平台和个人进行严厉打击。”贲圣林说道。



  中国监管部门的最新表态,是呼吁现有的P2P企业进行严格自查,并引导不合规机构有序清理债权债务关系,实现无风险良性退出,保护投资人权益。

 “我希望政府可以更多的关注到互金行业的风险控制这一块,并且帮助我们这些投资人最大化减少损失。”王浦说道。

  Dozens of Peer-to-Peer lending firms in China have been suddenly shut down in recent weeks because of default and allegedly illegal financial activities. Many of those companies' CEOs have been arrested OR are still on the run. So, how can authorities better protect the interests of investors while keeping P-2-P lending alive? CGTN's Wu Lei has more.

  30-year-old Wang Pu has been investing in Peer to Peer lending firms since 2014. In order to pursue high interest returns, he says he invested in hundreds of online financial platforms over the past 4 years. But a higher return also means higher risk. WANG PU INDIVIDUAL INVESTOR "The interest rates of these P2P platforms are indeed quite high. At one point, I put almost all my money in; that's about 1.3 million RMB. But about 500-thousand of it went missing. I couldn't use, nor even find it."

Wang says many of the platforms he put money in suddenly closed. Many of those companies leaders were arrested by the police, or they just ran away.

  WANG PU INDIVIDUAL INVESTOR "I was very worried and upset then, I didn't tell my family, I was scared and did not dare tell my wife."

  Over the past 2 years, he met thousands of individual investors like him through online chat groups, some of whom lost millions of RMB. They often shared information and discussed how to solve their problems together.

  WU LEI HANGZHOU "Today, more and more Chinese families are trying harder to manage their growing wealth. But with limited financial knowledge, many say it is still a big challenge for them to distinguish between legitimate online financial platforms and illegal ones, as well as protect their interests if their financial firm encounters problems."

  Established in 2013, Win-Win Financing is one of the thousands of Chinese online financial platforms with 10 million plus users. Its CEO Wang Jialiang says it is quite necessary for individuals to do more homework before investing their money.

 WANG JIALIANG, CO-FOUNDER, CEO WIN-WIN FINANCING "You have to check out whether or not the fund of this platform is in real bank deposits to guarantee its safety. Secondly, make sure the information disclosure timely and transparent. Thirdly, take a closer look at the company's shareholder background, and see whether the shareholder is strong enough."

  Statistics show that the number of P2P firms decreased to around 2000 by the end of July, down from over 5,000 in 2014. A two-year rectification campaign helped curb illegal lending. Ben Shenglin, the chairman of the Zhejiang Association of Internet Finance, says although cleaning up the industry will be painful, it is good for the healthy development of the financial industry in the mid-and long-term.

  BEN SHENGLIN, CHAIRMAN ZHEJIANG ASSOC. OF INTERNET FINANCE "We need to be educating our consumers and investors. And in the meantime, our laws and regulations have to be updated so that we may punish and penalize those who are fraudulent, who are trying to mislead consumers, and who make false representations."

  The latest moves by Chinese financial regulators include urging leading internet platforms to undergo self-inspections to find and fix problems. They will also guide unqualified P2P lending platforms in exiting the market and dealing with their assets and debts in a market-oriented way based on legal principles to protect the interests of investors.

  WANG PU INDIVIDUAL INVESTOR "We also hope that the government will pay more attention to the sector's risk management, and help us to deal with the previous losses."(Wu Lei, CGTN, Hangzhou, Zhejiang province.)

   查看原文: https://news.cgtn.com/news/3d3d414f3041444e79457a6333566d54/share_p.html?from=singlemessage&isappinstalled=0