Abstract: at present, many net loan institutions from the qualitative information intermediary, guarantee credit, misallocating capital pool, by the information intermediary alienation as credit intermediary, therefore, the "measures" to regulate such behavior, in order to purify the market environment, the protection of financial consumer rights, net loan institutions return to nature. The information intermediary.
"the Interim Measures for the management of the business activities of the network lending information intermediaries (Draft)"
in accordance with the Party Central Committee, the work arrangements of the State Council and the people’s Bank and other ten ministries "on promoting the healthy development of Internet financial guidance" (hereinafter referred to as "guidance") on the division of responsibilities, the CBRC study in conjunction with the Ministry of industry and information technology, Ministry of public security, the state Internet information office and other departments of the drafting of the "Interim Measures for the management of network business activities credit information agency" (draft, hereinafter referred to as the "measures"), the relevant questions are as follows:
1 Q: "approach" in the network lending, network lending business, network lending information intermediaries, respectively, referring to what?
"measures" in the provisions of the loan network (hereinafter referred to as the "net loan") refers to the individual and between individuals through the Internet platform to achieve direct lending, P2P net loan individual known to the public, private lending belongs to the category of the contract law, the general principles of the civil law and other laws and regulations and the Supreme People’s Court of justice explain the specification. Net loan business is the Internet as the main channel for borrowers and lenders to achieve direct lending to provide information collection, information disclosure, credit rating, information exchange, lending and other services. Network credit information agency (hereinafter referred to as net lending institutions) refers to the establishment, specializing in net loan business of financial information services intermediary, its essence is the information intermediary and non credit intermediary, so it may absorb public deposits, imputation funds set up the pool of funds, not of their own for the lender to provide any form of guarantee.
at present, many net loan institutions from the qualitative information intermediary, guarantee credit, misallocating capital pool, by the information intermediary alienation as credit intermediary, therefore, the "measures" to regulate such behavior, in order to purify the market environment, the protection of the financial interests of consumers, the nature of the net lending institutions return to the information intermediary the.
2 Q: what are the characteristics of the net loan and the development of net loan
net loan to the use of the Internet information technology, regardless of time constraints, the provider of funds and capital demand side direct docking on the platform, investment and financing activities, broaden the target population and the scope of financial services, to help provide for most social classes and groups can get the convenience of inclusive financial services, further the micro financing activities of low cost and high efficiency and popularization, opening the door for public entrepreneurship, innovation, for the steady growth, adjusting structure, promoting development, has important significance to improve people’s livelihood.
in addition, net lending institutions and traditional