China Securities Journal reporter recently learned that recently, the mutual fund rectification leading group and the online loan rectification leading group jointly held a symposium on the special rectification of online lending risks, and clarified the special rectification schedule for online lending. In the third quarter, the rectification work will be strengthened. In the fourth quarter, the basic qualified institutions will be included in the supervision pilot.
Increase the recovery of damages
The meeting pointed out that the special rectification work has generally progressed smoothly, but the industry risk is still at a high level. Judging from the pre-examination situation, violations such as pooling funds, illegal lending, disguised commitments to protect the principal and interest, and opaque information disclosure are still common. Some platforms even have serious violations of laws and regulations such as shareholder self-inflation, manufacturing fakes, false capital injection, and misappropriation of funds. The major risks of the industry cannot be underestimated.The organization of the organization allows and encourages its application to be converted into a network microfinance company, a consumer finance company, and so on. For institutions that intend to be transformed or liquidated, the supervisory enterprise shall formulate a redemption plan as soon as possible and implement it promptly.Pieces. In the proposed pilot program, the relevant departments have put forward clear requirements for the online loan industry risk reserve, risk compensation, compliance deposit, and shareholder qualifications to enhance the ability of the online lending platform to mitigate risks and protect investors.
In the second half of the year, the rectification work will also increase the efforts to recover the damages of the insured institutions, respond to investors' concerns and demands in a timely manner, and smooth the channels for complaints and rights protection. At the same time, the meeting stressed that all localities and departments should further increase supervision and supervision, timely discover and correct false propaganda, seriously investigate and deal with various illegal exhibition activities, resolutely crack down on rumors and rumors, and ensure that Internet financial risk remediation continues to be achieved. new progress.
It is strictly forbidden to add new internet financial institutions