Online shopping gold has been cut across the board, and more than 100 platforms are facing rectification.

category:Internet
 Online shopping gold has been cut across the board, and more than 100 platforms are facing rectification.


Nandu reporters noted that 5 of the 16 red lines in the solicitation of opinions are most concerned by the market people: Internet agencies are not allowed to provide any form of gold account services; no services such as gold liquidation, settlement, delivery and other services are not provided; no transfer services for gold products are provided; and agent products are not allowed to be transferred to other agencies. Two tier or multilevel agents; no gold products should be sold to investors with insufficient risk tolerance. According to the incomplete statistics of Nandu journalists, there are more than 100 kinds of Internet gold financing platforms on the market. Compared to the requirements of the solicitation draft, these platforms are involved in many problems, such as low registered capital, no financial license, the record of the marketing platform, and the need to adjust the mode of product exhibition. Chaos 1: Breakthrough regulation issue gold financial products Not to leave the mouth, Xue Hongyan, director of the Internet financial center of the Suning Institute of finance, told reporters yesterday that no matter what the income is linked to, it is always a financial product, which is restricted by the new regulations of the Internet Management: that is, the Internet platform has only the right to sell, without the creation and distribution of products. But it is no exception. According to the statistics of net loan home, there are about 20 golden financial platforms on the market. The product types are divided into three categories according to the period of time / income: one is most of the current products linked to the gold exchange real time gold price; the two is the product that is locked in revenue and revenue, and the three is the fluctuating yield combined with the gold price and the fixed income. Among them, some of the Internet platforms are not satisfied with the highly homogeneous gold financial products issued by licensed institutions, and have begun to try to issue gold financial products. Xue Hongyan pointed out that some platforms have launched the idea of physical gold, or mortgage, lease or physical delivery, and designed different income rules. Whats more, the combination of net loan and Internet finance has become a new type of financial product. In the name of financial innovation, part of the Internet gold platform is at the edge of regulation, and investors are easily trampled by carelessness. Nandu reporter found that the buy gold service agreement, operated by Shenzhen Shengshi golden Limited by Share Ltd, showed, during the deposit of gold, you agreed that the site is reasonable without affecting the extraction of spot gold, such as gold and other services provided by the site, to authorize the spot on the spot on the spot. The management includes, but is not limited to, the use of business and other lawful means of lending loans to third parties, foreign investment and so on. According to Xue Hongyan, according to the definition of the management business of the new management regulations, that is, the financial services of the licensed institutions to invest and manage the property of the investors entrusted to them, it can be judged that the platform belongs to the issuance of financial products and has clearly broken through the regulatory restrictions. Chaos 2: the service agreement hides the unbelieving and draping clause The pit is more than this one. According to the gold supply chain of Guangdong Zhaofeng Hengye gold Co., Ltd., the golden supply chain financial platform E gold gold, E gold mainly provides a variety of products, such as current gold, regular gold, gold and other gold. Yesterday, the Nandu reporters searched the products offered by the website, and found that their investment period ranged from one month to one year, and the annual yield was expected to be between 4.2%-12%. But a further investigation by the Nandu reporter found that, according to the E gold service agreement, to ensure the management efficiency of the depository business, the site does not need to inform you of the specific way of using the gold in your personal account. Not only E gold is a clear expression of no letter, but also in the buy gold service agreement, as well as ensuring the management efficiency of the depository business, stipulates no need to inform you of the specific way of using the gold in your personal account. In other words, once the above service agreement is agreed, it is impossible for investors to know whether the platform really buys gold and the real investment use of the gold. In response to this, the thirteenth draft of the draft was put forward that financial institutions and Internet institutions should do well in protecting investors information. And the Nandu reporter saw in the E gold service agreement, the personal information that this website provides to you, self - collected, authenticated personal information will be protected, used or disclosed in accordance with this Agreement and the relevant rules. This website will protect your personal data according to the industry standard practice, but in view of the technical restrictions, this website does not ensure that all your personal communication and other personal information are not obtained by the relevant party in other ways. In addition, the E golden service protocol also shows, when you use this website service for transactions, you are authorized to disclose your included, but not limited to the real name, contact information and other necessary personal information and transaction information to disclose to the other party or the site of your transaction (only the site is intended to provide you with the completion of this website. The organization of service and cooperation. It is worth noting that the above two provisions also appear in the service agreement. For the request for information protection proposed in the draft, Nandu reporter yesterday called E gold platform customer service and Guangdong Zhaofeng Hengye gold Co., Ltd., the other has been unanswered. Industry shuffle: only qualification audit of this piece, it will eliminate a large number of platforms. The solicitation draft requests Internet institutions not to provide gold account services. The essence has two meanings: one is consistent with P2P requirements, the Internet platform does not touch funds to avoid funds misappropriation risk; two is the platform must not play the role of market maker, control gold price, Huang Qian Bao co founder Ye Mengyuan yesterday The Nandu reporter said. As the supervision is clearly required not to provide services such as gold clearing, settlement, and delivery, Ye Mengyuan further stated that this requires the platform to return to the role of the Commission, and to apply a series of services provided by the bank, which will not involve liquidation and settlement in the future. It is worth noting that the supervision of the Internet institutions is also more stringent on the gold business. The access threshold of the Internet agency is raised to 30 million yuan of the registered capital, and the two level is not allowed. Nandu reporter yesterday combed the 22 main Internet gold platforms (Guangdong Zhaofeng Hengye gold Co., Ltd. has two platforms E gold, gold and gold banks). The registered capital of 9 platforms, such as buying gold, gold and gold e, has reached 30 million yuan, and 13 platforms of gold wallet, E gold, net letter and other platforms are insufficient to register capital 30 million yuan. Chen Zhihao, the co - President of the Guangdong gold mine investment group, told reporters in South China yesterday that, from the effort to solicit comments, it will cause a round of Internet gold institutions to shuffle, and most of the Internet gold financing platforms are going to face rectification. Only qualification audit will eliminate a large number of platforms. The person in charge of the gold purse told reporters yesterday that the capital of all the shareholders has exceeded two hundred million yuan. It is planned to transfer the capital stock to the registered capital, and is preparing to apply for the increase of capital. This is a good profit for commercial banks, said Sun Changhua, a senior researcher at the banks financial research center, that the financial institutions mentioned in the central banks new regulations refer to the licensed operating agencies regulated by the one line of two meetings, which excludes a large number of barbaric mutual gold companies, and entrust Internet agencies to sell agents. The financial institutions whose gold products are developed should be qualified as market makers in the gold inquiry market of the Shanghai Gold Exchange (including the market maker), which further limits their qualifications to a number of banks. Besides gold, silver is also a big share of precious metal trading, Sun Changhua predicts. After rectifying the gold, silver and other precious metals will also be included in the rectification area to prevent regulatory arbitrage. Written by: Nandu reporter Wu Mengshan Tian Jiao source: Southern Metropolis Daily editor: Bai Xin _NT4464 This is a good profit for commercial banks, said Sun Changhua, a senior researcher at the banks financial research center, that the financial institutions mentioned in the central banks new regulations refer to the licensed operating agencies regulated by the one line of two meetings, which excludes a large number of barbaric mutual gold companies, and entrust Internet agencies to sell agents. The financial institutions whose gold products are developed should be qualified as market makers in the gold inquiry market of the Shanghai Gold Exchange (including the market maker), which further limits their qualifications to a number of banks. Besides gold, silver is also a big share of precious metal trading, Sun Changhua predicts. After rectifying the gold, silver and other precious metals will also be included in the rectification area to prevent regulatory arbitrage. Writing: Nandu reporter Wu Mengshan Tian Jiao