Some third-party payment companies and banks have recently been interviewed by regulators and asked to prudently carry out or withdraw from P2P payment and settlement business, Caixin reported on Aug. 29.
Table of Content
- Frequent regulatory actions in P2P industry accelerate industry reshuffle
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P2P industry regulation moves frequently, accelerating industry reshuffle
Previously, the regulatory unit had clearly required online lending platforms to carry out fund depository with banks, and products that have not yet been put on line for fund bank depository may be considered to have serious compliance problems, and if third-party payment institutions cooperate with them, they need to share responsibility for the risks, suggesting that third-party payment companies and relevant banks need to accelerate the retirement of non-compliant online lending platforms to avoid taking unnecessary risks.
Immediately after that, on September 2, the Leading Group of Internet Finance Risk Special Rectification Work and the Leading Group of Net Credit Risk Special Rectification Work jointly issued the Notice on Strengthening the Construction of Credit Collection System in the Field of P2P Net Credit.
This time, the state requires online lending platforms to access the credit system to, first, strengthen the standardized management of the P2P industry, and second, accelerate the filtering out of non-compliant online lending platforms and purify the industry environment.
It is also a strong protection for the users of the compliant online loan platforms. When choosing a P2P platform in the future, users will definitely prefer the platforms that have access to the credit system, and it is recommended that the relevant products respond positively to the national policy for rectification.
The types of problem platforms are mostly website closures and investigative interventions
The number of normal operating platforms in the P2P lending industry continues to show a downward trend, according to incomplete statistics, the problem platform in August was 15, which can be found in the type of platform mainly for the closure of the site and the intervention of the investigation platform, site closure platform due to the reasons for the withdrawal.
Data source: Home of net lending
As the relevant departments become more and more regulated, financial products on the shelves have also been affected to some extent. In May this year, whether it is financial management or borrowing financial App, developers have received emails from Apple.
Financial products on the shelves need to avoid P2P
In accordance with the Apple Developer Program License Agreement, you agree that Apple, at its sole discretion, may reject your app for distribution on the App Store for any reason. You agree that Apple, at its sole discretion, may reject your app for distribution on the App Store for any reason.
While you can no longer distribute loan apps from this account, you may continue to submit and distribute other types of apps to the App Store.
We are unable to approve your app because we no longer allow peer-to-peer (P2P) lending or microloan apps on the App Store.
Under the Apple Developer Program License Agreement, you agree that Apple may, in its sole discretion, deny your app from being published on the App Store for any reason.
While you can no longer distribute loan applications from this account, you may continue to submit and distribute other types of applications to the App Store.
In other words, the App Store has stopped listing P2P products, and other financial products will be rejected by Apple as P2P products when they are listed. In this regard, Seven Macs recommends that developers of related products.
Provide Apple with proof of legitimacy
Try to strengthen the elaboration of their business model to increase Apple’s understanding of themselves
If you have already received the rejection email, you can refer to the following solutions.
If a financial app receives this clause, you can communicate directly through email
If it is a loan product.
The network of small loans account authorization shelves (more than 200 nationwide): the network of small loans qualified iOS account to the company iOS account to join the developer team
Money management more loans can still be, but a probability event
Already on the shelf App agreement transfer: the market in the second half of 2018 (the time node is very important) after the loan App on the shelves can be directly updated to the company App after the transfer
And small bank cooperation, bank account authorization
Finally
P2P industry has been in a sensitive area, in July this year, the leading group of mutual fund rectification and the leading group of online lending rectification in the joint network lending risk special rectification symposium, the fourth quarter of 2019 will start the P2P regulatory pilot, so the next relevant departments will certainly increase the rectification efforts to take a series of rectification means, for compliance companies, actively respond to national policies, with It is wise for compliant companies to respond positively to national policies and cooperate with relevant regulatory departments to win support.
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