The latest policies of p2p countries are:
First of all, it puts forward stricter regulations on many details such as the registered capital of P2P online loans. Even the registered capital is required to be more than 65.438 billion yuan, and it must be paid in.
P2p online lending platform must go online to the bank fund depository system. Online lending institutions shall cooperate with banking financial institutions that have passed the evaluation to carry out fund depository business.
P2P online lending institutions need to go through self-inspection by online lending institutions, self-inspection by associations and administrative verification by online lending rectification office before they can complete the whole acceptance process.
At present, if it is implemented according to strict standards, most platforms will be cleaned up and withdrawn from the online loan market.
2. What is the recent national policy on p2p industry?
The state requires all p2p industries to have a filing certificate before the end of 20 1806, and the annual interest rate should be reduced. It is not specified that it is about less than 12 points.
Third, with the introduction of national policies, is it safer to invest in P2P now?
Investment is risky! The introduction of policies is not safer. If the platform itself has the idea of raising funds, there is. It is estimated that the old platform will further reduce the platform revenue or it will be higher. In order to attract customers and cherish them, and meet my audit standards, the rest can be chosen by myself.
Fourth, the new policy of retiring p2p platforms in 2022
It was learned from insiders that the Agricultural Bank of China (Electronic Banking Department) issued the Notice on Immediately Stopping Cooperation with Illegal and Default Payment Institutions on June 22nd, 65438 (hereinafter referred to as the Notice). The notice pointed out that in recent days, the risk events of P2P online lending platform have been frequent, involving customer groups and a large amount of financial losses, which has aroused widespread concern in society and public opinion. "Some third-party payment institutions provide ABC card payment channels to P2P platforms, which leads to the spread of risks to banks and has a great negative impact on the reputation of banks." To this end, the Agricultural Bank requires "immediately closing all P2P transaction interfaces". The Agricultural Bank of China clearly stated in the notice that "it is strictly forbidden for institutions at all levels to provide any online payment interface for P2P and other peer-to-peer lending platforms, and it is strictly forbidden to cooperate with third-party payment institutions to provide any online payment interface of the Bank for P2P and other peer-to-peer lending platforms. All banks must immediately and comprehensively check the cooperation interfaces of payment institutions within their jurisdiction, and once the above situation is discovered, immediately close the interfaces of relevant payment institutions. " P2p Regulatory Policy 65438+On the afternoon of February 28th, China Banking Regulatory Commission issued a draft for comments, announcing the formal public consultation. The full name of the document is "Interim Measures for the Management of Business Activities of Information Intermediaries in Personal-to-Personal Lending (Draft for Comment)", which was jointly studied and drafted by the China Banking Regulatory Commission, the Ministry of Industry and Information Technology, the Ministry of Public Security and the State Internet Information Office. According to the content of the opinion draft, the threshold of online lending institutions is not as high as expected. The filing system is adopted, requiring the platform to go to the financial supervision department of the place of registration for filing after obtaining the business license, and no filing conditions are set. At the same time, it also stipulates a series of prohibitions on p2p platform, including self-financing, commitment to capital preservation, and engaging in equity crowdfunding. In addition, regarding the rights and obligations of all parties in the fund depository relationship, it is clear that the fund depository institution should deposit, transfer, account and supervise the funds of lenders and borrowers according to the contract and the instructions issued by lenders and borrowers to the p2p platform. Among them, the fund depository institution undertakes the formal audit responsibility of real-name account opening, contract agreement performance and apparent consistency of loan transaction instructions, but does not undertake the substantive audit responsibility of the authenticity of financing projects and loan transaction information. Legal basis: In order to standardize the business activities of information intermediaries in peer-to-peer lending, protect the legitimate rights and interests of lenders and related parties, promote the healthy development of peer-to-peer lending industry, and better meet the investment and financing needs of small and medium-sized enterprises and individuals, according to the overall requirements and regulatory principles put forward in the Guiding Opinions on Promoting the Healthy Development of Internet Finance, and according to the General Principles of Civil Law of People's Republic of China (PRC), Contract Law of People's Republic of China (PRC) and Contract Law of People's Republic of China (PRC).