引入第三方担保尚难规模化,网贷平台要靠金融科技壮大

Introducing the escrow is still difficult to scale, the net credit platform depends on financial technology

亿欧

对于网贷平台而言,争取合规备案无疑是2018年上半年共同的目标。但是,如何解决平台投资人保障问题,备案后能否有持续发展的动力,仍是备案之外网贷平台需要关注的问题。网贷平台信息中介的身份早已明确,平台兜底的行为被视为违规,引入第三方担保来对出借人进行保障是监管鼓励的方向。不过,目前来看,引入保险公司或者担保公司做第三方担保并无规模化的可操作性,“担保公司以前做的都是对公业务,对零售小额分散的业务不是非常了解。保险公司则是受制于保监部门的监管要求。”投哪网副总裁郝歌表示。引入第三方担保操作性不强此前,网贷平台为了解决信用风险,增强平台吸引力,往往通过提取风险备付金,在出现项目逾期时对投资人先行垫付...

For net credit platform for compliance record is a common goal in the first half of 2018. But how to solve the problem of platform investor protection, for the record, whether has a motive force of sustainable development, and is still record outside net credit platform need to pay attention to the problem. Network platform information intermediary status already clear, platform out behavior is regarded as violations, the introduction of a third party guarantee to safeguard is the direction of the regulation to encourage the lenders. For now, however, to the insurance company or guarantee company do the escrow no scale maneuverability, "guarantee company used to do is let public business, to the scattered small retail business is not very understanding. The insurance company is subject to regulatory requirements by ia department." Which network vice President hao said. Introducing third-party guarantee interoperability is not strong, the network platform in order to solve the credit risk of loan, strengthen the platform appeal, often by extracting risk cover, in the event of a project within the time limit for investors first advances...

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