after the promulgation of the measures, is the P2P creditor's rights transfer mode compliant?
In the recent regulatory measures, the creditor's rights transfer mode of p2p lenders is compliant, but there are some restrictions on the creditor's rights transfer of the platform. The specific regulations are as follows:
(8) It is not allowed to carry out asset-like securitization business or realize creditor's rights transfer in the form of packaged assets, securitized assets, trust assets and fund shares; How to make P2P creditor's rights transfer compliant < P > This positioning should focus on information intermediary and technical services. If it involves the fund pool model, it is necessary to find a licensed financial institution, because the state has given him this right; If customer funds are involved, go directly to the bank for fund deposit; If you want to make your own payment, you can find a licensed third-party payment institution to do mobile money business and so on. All of the above are based on the business ecological cooperation mode formed after the information intermediary positioning, and it is no longer a platform to take everything together, so P2P can only survive and standardize by cooperating with more licensees. In addition, if you don't have a license, but do business involving license management, you should strip it out and don't put it on the platform. This is the way to transform and upgrade. What is the P2P creditor's rights transfer mode
After you bid on the platform, for example, the original investment period is half a year, but after two months, you want to get the money back. At this time, you can transfer the target principal and the remaining income to others, complete the creditor's rights transfer and get the money back in advance. Of course, you can also operate in reverse. When you want to do financial management, you can buy the creditor's rights that others are transferring on the platform to get income. Generally speaking, the interest rate of the transferred creditor's rights will be higher than the ordinary level.
Is there a spread in the manual P2P debt transfer mode?
Generally, there will be.
the original intention of setting up the function of creditor's rights transfer on the platform is that some investors can apply for creditor's rights transfer and sell the creditor's rights in their accounts (that is, the previous investment) to obtain funds when they are in urgent need of funds during the investment period.
in the setting of creditor's rights transfer, firstly, the platform should charge a certain percentage of service fee (most platforms transfer for the first time free of charge), and secondly, there will be a rebate (or discount ratio) for the creditor to fill in, so users can fill in the rebate appropriately according to the urgency of their own funds.
after the final creditor's rights transfer target is purchased by other users, the funds will return to the creditor, realizing the realization of creditor's rights. And the buyer of creditor's rights also earned a certain discount. What are the p2p creditor's rights transfer modes?
The creditor's rights transfer mode, also known as the "many-to-many" mode, means that the borrower and the borrower do not directly sign the creditor's rights and debts contract, but lend money to the fund demanders first through a third-party individual, and then the third-party individual transfers the creditor's rights to investors.
among them, the third-party individuals are highly associated with the P2P online lending platform, and are generally the internal core personnel of the platform. P2P online lending platform packages the third party's personal creditor's rights into a creditor's rights package similar to wealth management products for lenders to choose.
thus, the mode that borrowers and lenders generate lending relationships through third-party individuals changes the original P2P lending relationships into many-to-many creditor's rights relationships. Of course, under this model, P2P online lending platform also undertakes the borrower's credit review and post-loan management and other related responsibilities.
Advantages and disadvantages of P2P creditor's rights transfer mode
The advantage is that the creditor's rights can be transferred at any time for cash withdrawal, but the disadvantage is that the income will be lower if the creditor's rights are transferred. What is the P2P creditor's rights transfer mode
Let me give you an example. Company A transfers the income right of financial investment products (such as funds and trusts) to Company B, and Company B fails to pay the money to Company A. At this time, Company A generates creditor's rights to Company B, and then Company A can transfer this part of creditor's rights to investors on the P2P platform.
his repayment sources include:
1. The transfer price that Company B should pay to Company A
2. Company B's own funds
3. Company A's own funds
4. The corresponding principal and income right of this investment product. Can the transfer of creditor's rights be done after the introduction of p2p regulatory rules?
Due to the risks of opaque information, irregular use of funds and even misappropriation in the off-line creditor's rights transfer, the regulatory authorities have a lot of concerns about this model, and the P2P regulatory regulations that are brewing and coming soon may end this model
Of course, as long as they meet the requirements, What are the models of P2P online loan creditor's rights transfer that are ok
Several main models of P2P creditor's rights transfer
1. Investor's creditor's rights realization model
This model is aimed at investors on the same platform, that is, the original investors transfer their investment targets to other investors on the platform, and the original investors realize assets realization, which is an important way for online lending platforms to improve investors' asset liquidity. This kind of transfer of creditor's rights does not generate capital leverage and liquidity risk, and belongs to the transfer of creditor's rights between equal subjects adjusted by civil law. Moreover, the platform itself is not involved in the transfer of creditor's rights, so it is enough for the creditor and the assignee to reach an agreement and fulfill the obligation to notify the debtor.
second, the creditor's rights transfer mode of professional lenders
in this mode, professional lenders (usually the actual controller of the platform, platform finance or other individuals easily controlled by the platform) lend money to borrowers to obtain corresponding creditor's rights, and then package and mismatch the creditor's rights according to the amount and term, distribute them to investors in small amounts, and promise to buy back the creditor's rights at maturity. At this time, the professional lender is actually an "intermediary". After the intermediary lends money to the borrower and obtains the creditor's right, it transfers the creditor's right to the platform investor through the online loan platform, and the investor obtains the interest income brought by the creditor's right. There are a series of potential risks in this model, such as maturity mismatch, fund pool, validity of creditor's rights transfer, false creditor's rights, capital leverage and so on.
iii. creditor's rights transfer mode of packaged assets
The platform obtains the creditor's rights of packaged assets through other cooperative institutions, and then publishes the target fundraising on the platform by transferring the creditor's rights of these assets. Such business forms involve various asset classes such as consumer credit and mortgage. Although the underlying assets of some asset packages also meet the conditions of small dispersion, if the creditor's rights are transferred in a packaged form, it is difficult to verify the matching of funds and assets during the transfer process, and it is difficult to control the risk of opaque asset information, and it also involves the issue of third-party credit enhancement. This model is contrary to the basic requirements of "information intermediary" of online lending institutions and "small dispersion" of online lending. How to transfer the creditor's rights on P2P platform
The creditor's rights transfer is not that the investor directly lends the money to the borrower (the borrower and the borrower do not directly sign the creditor's rights and debt contract), but that an investor lends the money to the borrower first. In the case that the investor needs capital turnover and the loan period has not yet arrived, the investor can transfer the creditor's rights of himself and the borrower to another investor. In this way, the first investor transfers the creditor's rights of the borrower to other investors (yes)
The transfer of creditor's rights on OK loan means that the OK loan platform is a service mechanism that investors can freely withdraw after successful investment, and investors can transfer their creditor's rights to other investors under the conditions of transfer, so as to withdraw the investment principal in advance.