Central bank: continue to do well in the prevention and resolution of Internet financial risks

category:Internet
 Central bank: continue to do well in the prevention and resolution of Internet financial risks


The person in charge introduced, since April 2016, the peoples Bank of China has led the Internet financial risk special renovation work, actively and steadily to resolve the risk of the Internet financial field. At present, the trend of illegal fund raising specialization in the Internet financial field is obvious. Some unlawful organizations and individuals borrowed from the national policy, did not obtain the relevant license to engage in the Internet financial business, and rely on the specific items and the online investment standards. The contract text and business process of packaging professional specifications are very puzzling, which increases the difficulty of identifying the investors. At the same time, new ways of collecting funds are emerging in an endless stream. With the further promotion of special rectification work, the risks in the main areas of Internet finance have been effectively identified and controlled, but new businesses continue to take the lead. Some illegal elements, such as IC0, all kinds of virtual currency and other Internet financial innovation as the cover of illegal fund-raising, more novel and more concealed. In addition, online publicity and offline promotion are combined. Some illegal fund-raising platforms develop personnel through online hype and offline store promotion. In the short term, money is quickly accumulated. As investors are numerous and dispersed, the investors funds are difficult to recover once the platform problems are running. In addition, multiple heads are outside to avoid regulatory strikes. Some illegal fund-raising personnel are more difficult to detect the cases through hiding overseas, renting overseas servers to build a network collecting platform and transferring funds illegally to overseas. It is reported that the next step of the peoples Bank of China will continue to do the following work, in accordance with the State Councils opinion on further prevention and disposal of illegal fund-raising work (2015) (No. 59) (hereinafter referred to as No. 59). The first is to cooperate with the Ministry of justice in promoting the regulation of illegal fund raising and the non deposit lending organization Ordinance. Two, in accordance with the requirements of No. 59, closely monitoring the operation of the interest rate of private lending, guiding the rationalization of the interest rate, use and borrowing of private lending, and compressing the living space of illegal fund-raising activities. Three is to continue to rely on anti money laundering system to do illegal fund-raising monitoring work. Through perfecting the system, further strengthening the cooperation with the law enforcement agencies and strengthening the supervision and guidance of the reporting work of the suspicious transaction of the reporting agencies, the information value of the illegal capital collection suspicious transaction reports is effectively promoted. The four is to continue to do a good job of preventing and defusing the Internet financial risks, actively and steadily promoting the special renovation work, urging the employment agencies to strictly implement the rectification requirements, and gradually dissolving the unregulated business of the stock, and will be suspected of illegal fund-raising and other illegal questions. Relevant departments or mechanisms are transferred to the employment agencies of the subject. The five is to strengthen the construction of the social credit system, together with the members of the inter ministerial joint meeting, to effectively promote the openness and sharing of government information, and to build a joint incentive and dishonest punishment system to create an honest and trustworthy credit environment. The six is to continue to do a good job in the protection of the rights and interests of financial consumers, through the popularization of financial knowledge and educational activities, to improve the financial literacy of consumers, to enhance their awareness of risk and to be responsible for their own decisions, to help consumers to choose financial services rationally and to reduce the risk of their involvement in illegal capital collection cases. Source: China Securities Net editor: Hou Wei Cheng _NT4124 The four is to continue to do a good job of preventing and defusing the Internet financial risks, actively and steadily promoting the special renovation work, urging the employment agencies to strictly implement the rectification requirements, and gradually dissolving the unregulated business of the stock, and will be suspected of illegal fund-raising and other illegal questions. Relevant departments or mechanisms are transferred to the employment agencies of the subject. The five is to strengthen the construction of the social credit system, together with the members of the inter ministerial joint meeting, to effectively promote the openness and sharing of government information, and to build a joint incentive and dishonest punishment system to create an honest and trustworthy credit environment. The six is to continue to do a good job in the protection of the rights and interests of financial consumers, through the popularization of financial knowledge and educational activities, to improve the financial literacy of consumers, to enhance their awareness of risk and to be responsible for their own decisions, to help consumers to choose financial services rationally and to reduce the risk of their involvement in illegal capital collection cases.