The Interim Measures for the Management of Online Loans of Commercial Banks has been implemented for only half a month, and the central bank has been eyeing the joint loan business.
According to the notice, the central bank specifically requires banks to list the balance of online joint consumer loans with ant flower buds and ant borrowing buds, the weighted average interest rate of online joint consumer loans with ant borrowing buds, the non-performing rate of online joint consumer loans with ant flower buds and ant borrowing buds, and the non-performing rate of personal credit card overdraft.
Why does the central bank specifically require data on cooperation with ant flower buds and ant borrowing among the three types of data that banks are required to report?
"Whether there is a letter of credit or not, the ultimate risk is still borne by the bank. So I think this is not aimed at the ant family, but it still has a great influence on the ant family. Before they improve risk prevention and control measures, they must reduce leverage and scale to avoid systemic risks. " Dong Ximiao said.
The central bank said in the notice that online joint consumer loans refer to personal consumer loans that financial institutions obtain customer information pushed by cooperative institutions through the Internet, use the same loan agreement with other institutions, and issue to the same borrower according to the agreed proportion. Financial institutions only fill in the part issued by themselves.
"The joint loan interest rate of some small and medium-sized banks is very high. For example, some annual interest rates are as high as 20%-30%, and small and medium-sized banks usually get 7%. If they take out their own loans, they may earn 2%-3%, and they are very happy to get 7%. The risk of this business is also very high, which is also one of the backgrounds for the Supreme Law to lower the upper limit of private lending. " Dong Ximiao said that one of the intentions of the central bank is to encourage banks to cooperate with financial institutions such as banks and consumer finance companies, rather than with Internet companies.
A person in the loan industry said that perhaps because the Supreme Law has just lowered the upper limit of private lending interest rate under judicial protection, the central bank also needs to find out the average interest rate of online joint consumer loans. All the rates stipulated in the draft add up to no more than 4 times of LPR, which is too harsh.
In addition, small and medium-sized banks trampled on P2P business in the joint loan business.
Recently, in response to the complaint that "20 18 Wenzhou Bank cooperated with Ai Cai Group" put forward by Mizhuang Financial Lender, a P2P platform under Ai Cai Group, Hangzhou Yuhang Public Security Bureau said in its reply that the police had mastered the problem of Wenzhou Bank borrowing from Ai Cai Group (Mizhuang Finance), and had talked with Wenzhou Bank twice before, and frozen the relevant accounts of Wenzhou Bank. The specific work is still in progress.
According to the contents of the lender's complaint, in March, 2065438+2008, Wenzhou Bank signed a loan cooperation agreement with Ai Cai Group, and Wenzhou Bank asked Ai Cai Group to promise full compensation. 20 19 12, Mizhuang was put on file for investigation on suspicion of illegally absorbing public deposits.
2 1 Century Business Herald has dismantled the credit aggregation model of Internet loans.
In the online loan industry chain, the current popular gameplay is the "credit aggregation model", that is, helping loans or joint loans, which are led or matched by institutions such as Ant Financial, Ping An Pratt & Whitney, Weizhong Bank, Xiaoman Finance, and Wangxin Bank. Introduce big data risk control, guarantee credit enhancement, and banks.
"The central bank only requires that the cooperation data of ant borrowing and flower buds be reported separately. On the one hand, it is the biggest player on the market at present, and it may be because other banks, such as Weizhong Bank, Wangxin Bank or bank licenses, and the nature of ant borrowing and flower garden is completely different, and the regulatory authorities may be more nervous. " A person from a financial technology company said.
According to the new regulations of CBRC on online lending, online lending funds shall not be used for real estate investment. The specific requirement is that the loan funds are used clearly and legally, and shall not be used to invest in real estate, stocks, bonds, futures, financial derivatives and asset management products, and shall not be used to invest in fixed assets and equity.
In addition, the new regulations require statistics on Internet loans. Regulators should supervise and inspect Internet loans of commercial banks, establish a data statistics and monitoring mechanism, put forward prudential supervision requirements according to factors such as business management and risk level of commercial banks, and strictly observe the risk bottom line.
The domestic consumer finance market has developed rapidly for many years, and the online joint consumer loan business has also become a huge market that cannot be ignored. Many bankers believe that after the introduction of the new regulations on online lending business of commercial banks, the regulatory rules for joint lending business of commercial banks will be introduced soon.
This survey by the People's Bank of China is likely to clean up the problems of over-leveraged lending and risk outsourcing of banking institutions in the joint loan chaos. This will have an impact on institutions such as Ant Group, Weizhong Bank, Ping An Pratt & Whitney, JD.COM Digital Branch and the majority of small and medium-sized banks that carry out joint loan business.
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