This year, the state issued "Several Guiding Opinions on Internet Finance", pointing out that p2p companies are positioned as information intermediary platforms, so formal p2p companies are not allowed to guarantee themselves.
Second, the national policy of p2p expulsion in 2022
The national policy of p2p repayment refers to the frequent risk events of P2P online lending platform, 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 have provided payment channels for ABC cards to the P2P platform, which has led to the spread of risks to ABC and has a great negative impact on the reputation of ABC." To this end, the Agricultural Bank requires "immediately closing all P2P transaction interfaces". If it is a benign retreat, investors have a high probability of getting their money back, but if the P2P platform runs away, investors can only wait for the police to deal with it, which will take a long time. The national policy of p2p deportation in 2022 refers to the frequent risk events of P2P online lending platform, involving a large number of customer groups and financial losses, which has aroused widespread concern in society and public opinion. "Some third-party payment institutions have provided payment channels for ABC cards to the P2P platform, which has led to the spread of risks to ABC and has a great negative impact on the reputation of ABC." To this end, the Agricultural Bank requires "immediately closing all P2P transaction interfaces". This policy and preferential treatment are completely two concepts. No contact. National Policy of p2p Retirement: Revoked online lending institutions may not apply for transformation into small loan companies. After the application is approved by the relevant departments of the districts, cities and provinces, the provincial local financial supervision bureau will issue the approval document for the temporary license, and the online lending institution may apply to the local market supervision department for registration with the approval document. A series of prohibited events of p2p platform are stipulated, 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 will deposit the funds of the lenders and borrowers in 20 19 years according to the contract and the instructions issued by the lenders and borrowers to the p2p platform. One of the country's grand strategies is to give priority to repayment and properly guide the transformation. Some policies have been introduced all over the country to clean up the online loan industry. Since the second half of 20 19, about 10 provinces have issued guidance, management measures or documents to guide the online lending platform to exit in an orderly and smooth manner. The withdrawal of P2P online lending refers to the way that P2P online lending withdraws from the online lending industry in accordance with laws and regulations, regulations of regulatory authorities and business rules of the industry, under the premise of fully protecting the rights and interests of lenders, and in accordance with the withdrawal procedures stipulated in relevant withdrawal guidelines. Including liquidation and transformation. Dealing with the withdrawal of P2P online loans is of great practical significance for ensuring the clearing of the industry and protecting the rights and interests of lenders. In the process of P2P online loan withdrawal, the disposal of non-performing assets is the core. In order to guide online lending institutions to quit in an orderly manner, China Mutual Fund Association and local associations have generally issued "Exit Guidelines". In the process of implementing retrospective financial clearing, in addition to the comprehensive promotion of the national mutual fund rectification office and the online loan rectification office, the central bank, the State Banking Insurance Regulatory Bureau, the public security department, the people's procuratorate and other departments have promoted the implementation; It also involves the cooperation and sharing of credit information between credit reporting agencies, the authenticity and effectiveness of data information of online lending institutions, the unity of law enforcement agencies, law enforcement mechanisms and procedures, and the close cooperation of law enforcement actions. The implementation of retrospective financial settlement is a global, holistic and systematic project. Although the responsibilities of various departments and organizations are different, the working procedures are closely linked, and it is necessary for all departments and organizations to perform their duties and responsibilities, and * * * cooperate with each other to form a joint force to successfully complete the task. Users of traceable financial lenders can contact customer service according to the notice, apply for registration and submit proof materials. Up to now, some lenders have paid back the money, and this redemption plan is still being accepted. Users who have not logged out of the network, please contact customer service in time to register and pay. Third-party payment is completed after a certain number of users reach, and then the next quarterly payment will be implemented, and the platform will regularly announce new news. According to the Notice of the Office of the Leading Group for Special Remediation of Internet Financial Risks in Shenzhen on Printing and Distributing the List of the Seventh Batch of Lost Online Lending Institutions for Special Remediation of Peer-to-Peer Lending Risks in Shenzhen, in order to thoroughly implement the decision-making arrangements of the CPC Central Committee and the State Council on preventing and resolving risks in the online lending industry, According to the document "Opinions on Doing a Good Job in Classified Disposal and Risk Prevention of Online Lending Institutions" (Remediation Office Letter [20 18] 175) jointly issued by the Office of the Leading Group for Special Remediation of Internet Financial Risks and the Office of the Leading Group for Special Remediation of P2P Peer-to-Peer Lending Risks, the legitimate rights and interests of the majority of lenders are safeguarded. After verification by the municipal and district financial departments, the seventh batch of 2 peer-to-peer lending information intermediaries is now released. The platform lenders involved can declare the stock of online loan creditor's rights to the financial department of the district where the online loan institution is located within 15 days from the date of issuance of this notice. Online lending institutions on the list should actively dispose of existing online lending claims and take the initiative to contact the financial departments of relevant districts.
3. The latest p2p policy of the central government in the past 23 years?
As of 2023, the central government has not yet issued the latest policy for P2P industry. However, according to the trend and background of previous related policies, it can be predicted that the future P2P regulatory policies may have the following directions:
1. Strict supervision: In recent years, with the problems and risks of some P2P platforms, the regulatory authorities have strengthened supervision over the P2P industry. Future policies may continue to strengthen regulatory requirements and increase penalties for bad platforms to ensure that the legitimate rights and interests of investors are protected.
2. Industry integration: P2P industry is highly competitive, and there are many repetitive and inefficient platforms. Future policies may encourage mergers or acquisitions of excellent platforms, promote industry integration and improve industry concentration.
3. Support innovation: Policies may also encourage technological innovation and business model innovation in the P2P industry, and push the industry to develop in a more standardized, transparent and steady direction. At the same time, the policy may also guide P2P industry to develop more products and services for small and micro enterprises and individual investors.
It should be noted that the above is only a prediction of possible future policy trends and does not represent the clear policies of the central government. The specific regulatory policies need to be adjusted according to the current environment and market demand.