The CBRC Formulated The P2P Entry Threshold Of 30 Million.

Last Wednesday, the CBRC's Inclusive Finance Department convened the provincial financial offices and trade associations of several major P2P regions such as Beijing, Shanghai, Guangdong and Zhejiang to convene closed door discussions on P2P regulatory detailed rules.

"A complete regulatory document has been placed before the participants."

People familiar with the matter told reporters in Nandu that due to the relatively complete rules of documents, the possibility of launching in the first half of the year is expected to be larger.

According to its disclosure, at the end of last year, the risk events of P2P platform accelerated everywhere, especially some larger platforms also exposed problems, to a certain extent, accelerated the time when the banking regulatory authorities issued regulatory detailed rules.

It is reported that before that, supervision had revealed the right on different occasions.

Regulatory thinking.

For example, we must clarify the nature of termination, not set up a pool of funds, must have certain technical capability, clear financial constraint mechanism, and strengthen information disclosure.

A person close to the regulation told reporters: "relative to previous principles, this provision is more specific, and at the same time, it is more demanding than market expectations."

According to people familiar with the matter, for example, on the threshold of P2P regulation, the entry threshold is 3 registered capital of 30 million yuan.

In terms of executives, a platform executive must have experience in banking or related finance.

In addition, it also requires the P2P platform to meet certain technical standards.

In addition to the above rules, people familiar with the matter told reporters in Nandu that the Banking Regulatory Commission will adopt a relatively high standard regulation for P2P, and it will also be leveraged to P2P.

"The provisions only write out the requirement of lever restriction for P2P, and do not specify how many times the specific leverage is."

One is near.

Told reporters, but there were regulators on the same day, proposed to refer to the current guarantee of 10 times the leverage restrictions.

In addition to leverage restrictions,

It also puts forward certain requirements for single borrowers and single investors to borrow and invest in a platform.

"Management mentality is similar to the supervision of banks."

People familiar with the matter said they also demanded that the platform regularly disclose details of specific pactions to regulators.

Nandu journalists statistics, if the current discussion of the 10 times leverage restrictions, the larger platforms are almost no longer meet the requirements.

According to data from yesterday's home loan network, Lu Jin's registered capital was 836 million yuan, and its accumulated amount was 11 billion 125 million yuan, and the amount to be collected was 13.3 times the registered capital.

The biggest difference is Hongling venture capital, whose registered capital is 50 million yuan, but the amount to be collected is 11 billion 807 million yuan, and the multiple is nearly 236 times.