The central bank has drawn up new rules. Can the Internet not buy gold freely?

category:Internet
 The central bank has drawn up new rules. Can the Internet not buy gold freely?


How does the draft affect financial institutions, Internet institutions and investors? Sun Changhua, senior researcher at Bank of communications Financial Research Center, said: it is a good thing for commercial banks. Xiao Lei, a financial analyst and President of the 500 Gold Research Institute, believes that there may be a certain impact on the existing Internet financial enterprises, and the profit rate will be reduced, and some of the customer groups may be lost. Delineating a number of red lines? At present, the two Internet giants Tencent and Alibaba products provide docking financial institutions gold financial products. Among them, Tencent micro gold department, Tencent Fu Tong Tong and industrial and Commercial Bank of China, launched online gold trading services. Alipays ant wealth page also provides Bo gold to buy entrance, and in the promotion of the page that 1 yuan to buy. At the same time, golden wallet this golden characteristic financial platform also arises at the historic moment. With the popularity of Internet products, the risk of illegal gold trading has also been concerned by regulators. According to media reports, Ji Zhihong, director of the financial market division of the peoples Bank of China, in the previous third global gold market Summit Forum, pointed out in his speech that we should strengthen the supervision of illegal gold business, systematically analyze and grasp the application of Internet financial technology in the gold market and prevent potential risks. In the sixteen comments, many red lines have been paid attention to by market people: one is that Internet institutions do not provide any form of gold account service; two is not to provide services such as gold liquidation, settlement, delivery, and other services; three is no transfer service for gold products; and four is not to transfer the agents products to other institutions. Two or multi-level agents; five, it is not allowed to sell gold products to investors with insufficient risk bearing capacity. According to the draft, gold products are limited to the gold trading establishments approved by the financial institutions, the State Council and the financial regulatory authorities. The agency of the Internet agency to sell its financial institutions to develop gold products should be qualified as a market maker of the gold inquiry market between the Shanghai Gold Exchange (including a trial market maker). On the qualifications of the Internet institutions, the opinion manuscript should make it clear that the registered capital of the Internet institutions should not be less than 30 million yuan, and that it is necessary to pay the cash capital and be familiar with the staff who are familiar with the gold business. The industry believes that this move is intended to set a certain threshold to increase the risk of resistance. In addition, the draft also stipulates that financial institutions entrust Internet agencies to sell their gold products. It is clear that the financial institutions and Internet institutions should do well in the protection of investor information, and the publicity of the agency for the sale of gold products by the Internet agencies should be consistent with the official website of the financial institutions and the publicity of the mobile terminal, and further standardize the sale of the gold products on the Internet. The gold products sold by Internet agencies for financial institutions shall be filed with the head office of the peoples Bank of China at the level of legal entities of financial institutions. On the whole, the regulatory recognition of the Internet gold market, in order to prevent risk also set some threshold: one is 30 million of the registered capital, one is the relevant employees, but there is no particularly difficult to meet the requirements. Xiao Lei, financial analyst and President of the 500 Gold Research Institute, said. This is the embodiment of strong financial supervision. After a period of time, precious metal investment in the field of fraud, especially in the clothing of the Internet financial financial jacket, more confused, the scope and the amount of money involved in the case. Sun Changhua, a senior researcher at the financial research center of the Bank of communications, said the central banks new regulation will help to govern the chaos of the Internet Precious Metal financing, and may continue to rectify it. He also pointed out that gold is a kind of precious metals, in addition to that, silver also occupies a large share of precious metal trading. After rectifying the gold, silver and other precious metals will also be included in the rectification to prevent regulatory arbitrage. Influence Internet financial institutions? Tencent micro gold violation? Among the Internet gold products currently on the market, the more famous ones include the micro finance of Tencent finance and the golden red envelope on this basis. Reporters open the Tencent micro gold WeChat public account, can buy and sell the corresponding value of micro gold, the minimum to buy 0.1 grams, also convertible to the industrial and Commercial Bank of gold bars, gold notes and other gold products. The gold price in May 9th showed that the purchase price was 270.1 yuan / gram. The micro gold page shows that it is the physical gold service launched jointly by Tencent and ICBC, which is responsible for spot gold trading and asset safety management. Who provides the gold account for micro gold? The electronic account of the micro gold said that the Tencent micro gold users authenticate the micro gold account through their own bank cards and open the banks electronic account by verifying the binding bank cards. The Tencent financial aspect told reporters yesterday that the solicitation draft has shown a new direction for the development of the industry. The user account of the Tencents micro gold is maintained by the bank, and the services such as liquidation, settlement and delivery are also completed in the bank. The person in charge of the gold purse told the reporter, the gold of the gold purse itself is the gold of the sale bank. The vast majority of the gold liquidation and delivery are in the bank, and the essence of the business is in accordance with the standard. After switching to the sales model, the golden wallet no longer involves clearing and clearing, and we have begun to actively discuss specific ground details with many banks and actively promote business regulation. The person in charge believes that the draft clearly requires Internet agencies to not provide any form of gold account service, its essence has two meanings: consistent with the requirements of the P2P, the Internet platform can not touch funds, avoid funds misappropriation risk; at the same time, the platform can not play the role of market maker, control gold price. Banks have good qualifications for market makers Its a good thing for a commercial bank. Sun Changhua, a senior researcher at the financial research center of the Bank of communications, believes that the central banks norms are good for commercial banks, and the financial institutions specifically refer to the licensed operating institutions regulated by one line of two meetings, which excludes a large number of barbarous mutual gold companies. The requirement for qualification of market makers is further restricted to a number of banks. According to Sun Changhua, according to the list of the official market maker published in the 2017 gold exchange, only the 10 banks of Chinese peasant workers, investment, Xingye, CITIC, Ping An, Ningbo are only the only 6 banks of Guangda, peoples livelihood, Guangfa, PUFA, upside, Australian New. The manuscript shows that financial institutions and Internet institutions should do well in the protection of investors information, and the publicity of the agency for the sale of gold products by Internet agencies should be consistent with the official website of financial institutions and the publicity of mobile terminals, and further standardize the sale of gold products on the Internet. Xiao Lei believes that the provision of the future may provide higher demand for Internet gold services. Banks, for example, may have a certain impact on their marketing and marketing. Investors choose to sell after tasting According to China finance, the total scale and investment demand of gold trading have increased in recent years. Among them, gold in 2016 was 48 thousand and 700 tons of gold, an increase of 42.88% over the same period, which is nearly 8 times that of 2012. The Internet gold market is getting more and more popular, but in fact, the scale is still very small compared to the P2P market. It may have an impact on customer groups, because gold is not a particularly hot market, and there may be a loss of customer groups. Xiao Lei said. Reporters interviewed several ordinary investors randomly, many of them have contacted the Internet gold products. Bought twenty thousand, lost 450. Pony (a pseudonym) told reporters that he configured the corresponding gold products through the Internet, still holding. On the other hand, some investors confessed that because they didnt know much about product attributes and were worried about the risks behind them, they chose to sell them after tasting. Bought, feel every day in fear, and sold it in a month. This edition is written / Beijing News reporter? Chen Peng Mi Di this article source: Beijing News Editor in charge: Bai Xin _NT4464 The Internet gold market is getting more and more popular, but in fact, the scale is still very small compared to the P2P market. It may have an impact on customer groups, because gold is not a particularly hot market, and there may be a loss of customer groups. Xiao Lei said. On the other hand, some investors confessed that because they didnt know much about product attributes and were worried about the risks behind them, they chose to sell them after tasting. Bought, feel every day in fear, and sold it in a month. This edition / journalist of the new Beijing news? Chen Peng Mi di