In the regulatory controls, has been suppressed P2P "Laolai", recently, the first batch of network lending platform borrower malicious taofeizhai information is included in the central bank credit system.The so-called malicious taofeizhai, refers to the repayment ability, but does not fulfill the responsibility of repayment behavior. Net loan more than 10 years of development, has been the industry ills of malicious taofeizhai. Especially recently, some P2P net loan institutions risk are frequent, some borrowers to malicious taofeizhai, overdue repayment, exacerbated by the P2P net loan industry risk. In order to resist this phenomenon, promote the healthy development of net loan industry, regulators are constantly implementing some rectification work.
Early in August this year, the Internet financial risk special rectification work leading group office issued the relevant notification requirements around the reported net loan platform risk event by malicious taofeizhai borrowers list. In September, the Internet financial risk of special rectification work leading group office again issued the relevant disciplinary notice, request the net loan platform screening malicious taofeizhai list in 5 standards, and to encourage the country to run away lost announcement platform executives, Tao feizhai blacklist. According to the central bank stakeholders, the net loan platform and the finance office screening examination, the first batch of borrower malicious taofeizhai information has been included in the financial credit information database, which can provide service to the lending institutions more than 3900 access to the database. At the same time, net loan borrowers malicious taofeizhai information synchronization into 100 credit system, as the recent 100 credit will launch special attention to part of the list, 241 companies have signed for convenient query mechanism.
This means that the P2P "Laolai" their information, including the borrower's Name or business name, ID number or mobile phone number, unified social credit encoding and cumulative loan amount, overdue amount, whether the lost information will be mastered more than 4000 financial institutions, according to the information and can limit the financing behavior of Laolai "" later, including mortgages, car loans, personal consumer loans and other financial services and public services etc.. Some experts said that this will be of some luck, wait for the P2P platform funds strand breaks down, to escape the repayment obligations of the borrower to play a very good warning effect, the collapse of the platform does not mean that the relationship between debt and the creditor dies, whether individuals or businesses, once become "Laolai" in the future, financing channels will be obstacles.
In strengthening the punishment for "Laolai", at the same time, the regulatory authorities to refine the identification of "Laolai". According to the relevant disciplinary notice of the leading group of Internet financial risk issued by the office of the special rectification work, the screening criteria including corporate borrowers and individual borrowers preferred, large amount of overdue time more than 6 months, has implemented the necessary legal collection, there is evidence that the borrower has the repayment ability and refused repayment. At the same time, the requirements included in the central bank credit system, focus on the net loan platform to the public key list of malicious taofeizhai borrowers, giving both dishonest staff a month grace period. It is worth noting that, in order to strengthen discipline, tamp platform responsibility, not only is the malicious taofeizhai borrowers, the next step, the net loan platform lost contact, run away executives information will also be included in the credit system.
The industry believes that the financial sector of the Internet malicious evasion of debt information into the credit system, means and measures for the implementation of the disciplinary acts of dishonesty, not only help to urge the borrower to repay debts, but also conducive to purify the Internet financial environment. With the supervision of the whole net loan industry policy to gradually fall, malicious taofeizhai and malicious platform run away events will greatly reduce the net loan industry will be more healthy development.
Bank finance, real estate finance, supply chain finance, loan intermediary, financial leasing, risk management, investment management, exchange management, the Internet financial industry with net loan market demand innovative change, facing the direct personal customers, corporate customers are forced to cut the need for a safe and reliable service system, strong anti risk capability big data, intelligent, and Xiaofeng safety net loan system, as a well-known P2P software developer, has been committed to the net loan platform development, professional security and compliance. Since the sale, Xiaofeng safety net loan system with its strong technology and perfect service system, has been in a leading position in market share. The future, Xiaofeng safety net loan system will continue adhering to the "core value to help customers succeed", by virtue of its AI technology and perfect service system, innovation and beyond, is committed to changing the financial AI.
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