1. Before it was overdue, PPmoney was a model of P2P platform in a certain area, which experienced "three declines" and "national risk remedy", but at the end of August 2020, it also became a member of many overdue platforms. Compared with the rich, PPmoney directly enters the state of "suspended animation" after its expiration. Nothing was announced except a few online communication methods and a dozen stable communication groups. Company status and payment plan should not exist at all. Lenders are directly isolated from information and the solution is extremely perfunctory. As can be seen from the official announcement of PPmoney, as of Tuesday, 202 1, 1, the platform has published 18 batches of debtors, and each batch has publicly published a list of 5,000 borrowers who are overdue for more than 6 months.
1, peer-to-peer lending, known as peer-to-peer lending, is short for Internet lending, including personal Internet lending and commercial Internet lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly. At present, there are about 350 active platforms, and by the end of April 20 15, the total number has reached 3054. From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support operating P2P online lending institutions to access the credit information system.
2. The essence of Internet finance is still finance, and it has not changed the characteristics of financial risks, such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new business model. Formulate moderately loose regulatory policies to leave room for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various businesses, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations and resolutely crack down on illegal activities.
3. Online loans include personal online loans (P2P online loans) and online micro-loans. Personal online lending refers to individuals and individuals borrowing directly through the Internet platform. Direct lending on personal online lending platform belongs to the category of private lending and is regulated by Contract Law, General Principles of Civil Law and relevant judicial interpretations in the Supreme People's Court. Internet micro-credit refers to the micro-credit provided to customers by Internet companies through their controlled micro-credit companies.
4. Network microfinance should meet the regulatory requirements of existing microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. The online loan business is supervised by the CBRC. There were 5,000 to 6,000 online lending platforms, and by the end of June, only 29 were operating. The special rectification work may be basically completed before the end of the year and transferred to regular supervision.