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P2P合规检查接近尾声 多少平台可以存活?

2018年12月1日 1533点热度 0人点赞 50条评论

文/罗瑞兴 张威

截止今年10月,提交了自查报告且待还余额在5000万以上的平台数358家,占目前网贷行业正常运营平台数的32.57%,如果将5000万设为备案红线,则至少70%的平台或将退出市场。目前部分地方已启动清退,监管者也在权衡P2P存续的规模底线

今年8月,P2P网贷启动合规检查,分为网贷机构自查、中国互金协会和地方互金协会或相关机构开展的自律检查、地方网贷整治办的行政核查三大部分,定于2018年12月底全部完成。

据《财经》记者了解,现在北京、上海、浙江、杭州等主要P2P平台聚集地已进入现场行政核查阶段。

北京某P2P平台负责人向《财经》记者表示,该平台正在接受检查,合规检查包括业务、财务、法务、风控各方面。“每次现场查两天,区里两周前查过了,这两天是市里检查。”

随着上述“三查”接近尾声,P2P平台备案也将迈入实质阶段,未来有多少家平台能够真正实现备案进而存活也将浮出水面。

地方启动清退

据网贷之家数据显示,截止2018年11月28日,网贷行业在运营平台数量为1182家,相对于平台爆雷前已经减少了三分之一有余。

上述负责人透露,目前还在运作的1000多家平台有,提交自查报告的只有500家不足一半,500家中还会淘汰一部分。“可以肯定的是,未交自查报告的平台和备案无缘了,按目前数量来看,如果1/4能备案,那关掉的还是很多的。”

另据彭博最新报道,据知情人士透露,中国计划大规模关停中小P2P平台,此外,监管机构可能还会要求大型平台将贷款余额维持在当前水平,并鼓励他们逐渐降低放贷规模。

“合规备案就是为关闭不合规平台做准备的,不合规后迟早是要关的。”上述平台负责人称。事实上,今年P2P平台风险暴露严重,很多平台失去信任发生大规模提现,即使监管不主动关闭,也会发生自燃淘汰。

某接近监管人士也向《财经》记者透露,监管是有关掉90%平台的思路,保留10%的头部平台。不过,据另接近监管层人士告诉《财经》记者,中国互金协会和北京市金融局并未收到相关指示,“至少没有得到存量P2P要不断减量的指示。”据了解,银保监会内部对P2P网贷模式仍在激烈讨论中,内部并未达成一致。

事实上,为了引导一些P2P平台良性退出市场,多地已经开始下发退出文件,包括北京、上海、深圳、广州、杭州、济南等超过10个省市发布了退出指引。

11月7日,湖南省地方金融监督管理局发布公告称,决定首批取缔53家P2P网贷机构。并称后续将不定期公告取缔类P2P网贷机构名单。

据某平台人士向《财经》记者表示,11月中旬,监管层在北京市金融监管会议上给出指示,北京地区待收规模低于5000万元以下的P2P平台将不予备案。但随后有撤销这一指示。

接近北京市金管局人士表示,监管对于5000万的规模标准线正在讨论,“关停会陆续进行,但时间表还不清楚。”

一位注册地在北京的P2P网贷平台内部人士告诉《财经》记者,北京的进场工作还在稳步推进,“先验小的再验大的,现在大平台大概都已经验收收尾了,北京的窗口指导会在12月公布有条的‘白名单’,到时候看有没有小平台就知道了。”

杭州监管层也正在着手逐步整顿行业问题平台,第一批将清退存量不足1亿的平台。

争论点在规模线

地方监管的争论点主要在于规模线。据融360大数据研究院统计,截止今年10月,提交了自查报告且待还余额在5000万以上的平台数358家,占目前网贷行业正常运营平台数的32.57%。而待还余额在1亿元以上的平台数304家,占比27.66%。也就是说如果设为5000万红线,至少70%以上正常运营的平台或将受到波及。

但也有业内人士表示,砍掉5000万待还余额规模以下的平台对于控制整体行业规模没有太大意义,“前20-30的平台掌握了行业八成的业务,可能只是数量少了,更容易管。”

行业已然开始人心惶惶。一位大型P2P网贷平台人士告诉《财经》记者,“如果政策整个铺开,对行业的影响肯定是比较大的,但对于大平台是正面影响还是负面影响,目前还不好说。如果是正面影响,小平台关停,原本的投资者涌向大平台,但如果造成投资者情绪恐慌,对整个行业又是一波冲击。”

一些讨论认为,目前银行开始放开对中小微的贷款,对P2P资产端有一定的替代效应。但也有人认为,银行只是因为硬性指标,通过金融科技机构放款,本身还是欠缺服务中小微企业的能力和意愿,不可持续。也有讨论认为P2P网贷应该做成债券交易所,但也有人认为这样又变相成为地方金交所模式。

彭博社在30日的文章中将P2P网贷划归为影子银行体系,但对于P2P网贷是否属于影子银行范畴,国内业界还未达成统一。市场普遍认为,这取决于将P2P网贷定性为“信息中介“还是“信用中介“。

“目前中国市场上大部分P2P网贷平台还是偏离了信息中介的定位,业务模式较为粗放,对投资者权益保护不够,“中国人民大学重阳金融研究院高级研究员董希淼说。

据中国互金协会今日公布100家会员机构9月的运营信息,其中贷款余额合计6376亿元,累计交易总额40359亿元,累计服务出借人3760万人,累计服务借款人9685万人。

“存在即合理。我们正规的金融体系有问题,它提供不了本来应该提供的服务,”国务院发展研究中心金融研究所所长张承惠告诉《财经》记者。在她看来,目前金融体制下,P2P网贷行业有长期存在的价值,“看我们金融体系改革的速度快慢了,”她说。

来源:财经

标签: 暂无
最后更新:2018年12月1日

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