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FONT-SIZE: 14pt; mso-hansi-font-family: 楷体_GB2312; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"><FONT size=4 face=宋体>    </FONT></SPAN><SPAN style="FONT-FAMILY: 楷体_GB2312; FONT-SIZE: 14pt; mso-hansi-font-family: 楷体_GB2312; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA"><FONT size=4 face=宋体> <p style="border-top: 0px; border-right: 0px; vertical-align: baseline; background: none transparent scroll repeat 0% 0%; white-space: normal; word-spacing: 0px; border-bottom: 0px; text-transform: none; color: rgb(51,51,51); outline-width: 0px; padding-bottom: 20px; text-align: justify; padding-top: 0px; font: 16px/30px 微软雅黑, 'Helvetica Neue', Helvetica, STHeiTi, sans-serif; outline-style: none; padding-left: 0px; margin: 0px; border-left: 0px; widows: 1; letter-spacing: normal; outline-color: invert; padding-right: 0px; text-indent: 2em; -webkit-text-stroke-width: 0px">12æœ?4日消æ¯ï¼Œè¿‘日银监会éžé“¶éƒ¨å¯¹å„银监局下å‘函件，è¦æ±‚æ•´é¡¿å„自辖区内涉劓现金è´?rdquo;相关消费金èžå…¬å¸ï¼Œç¦æ­¢ä¸ºæ— æ”¾è´·ä¸šåŠ¡èµ„质的机构æ供资金，也被ç¦æ­¢è‡ªè¡Œå‘放无指定用途贷款ã€?/p><p style="border-top: 0px; border-right: 0px; vertical-align: baseline; background: none transparent scroll repeat 0% 0%; white-space: normal; word-spacing: 0px; border-bottom: 0px; text-transform: none; color: rgb(51,51,51); outline-width: 0px; padding-bottom: 20px; text-align: justify; padding-top: 0px; font: 16px/30px 微软雅黑, 'Helvetica Neue', Helvetica, STHeiTi, sans-serif; outline-style: none; padding-left: 0px; margin: 0px; border-left: 0px; widows: 1; letter-spacing: normal; outline-color: invert; padding-right: 0px; text-indent: 2em; -webkit-text-stroke-width: 0px">12æœ?4日获悉，近日银监会éžé“¶éƒ¨å¯¹å„银监局下å‘函件(下文简ç§?ldquo;函件”)，è¦æ±‚规范整顿辖内消费金èžå…¬å¸å‚ä¸?ldquo;现金è´?rdquo;业务工作，消费金èžå…¬å¸ä¸ä»…被ç¦æ­¢ä¸ºæ— æ”¾è´·ä¸šåŠ¡èµ„质的机构æ供资金，也被ç¦æ­¢è‡ªè¡Œå‘放无指定用途贷款ã€?/p><p style="border-top: 0px; border-right: 0px; vertical-align: baseline; background: none transparent scroll repeat 0% 0%; white-space: normal; word-spacing: 0px; border-bottom: 0px; text-transform: none; color: rgb(51,51,51); outline-width: 0px; padding-bottom: 20px; text-align: justify; padding-top: 0px; font: 16px/30px 微软雅黑, 'Helvetica Neue', Helvetica, STHeiTi, sans-serif; outline-style: none; padding-left: 0px; margin: 0px; border-left: 0px; widows: 1; letter-spacing: normal; outline-color: invert; padding-right: 0px; text-indent: 2em; -webkit-text-stroke-width: 0px">现金贷是指无交易场景ä¾æ‰˜ï¼Œæ— æŒ‡å®šèµ„金用途，无客户群体é™å®šçš„å°é¢èµ„金出借业务，特å¾æ˜¯é‡‘é¢å°ã€æœŸé™çŸ­ã€åˆ©çŽ‡é«˜ã€æ— æŠµæŠ¼ã€?/p><p style="border-top: 0px; border-right: 0px; vertical-align: baseline; background: none transparent scroll repeat 0% 0%; white-space: normal; word-spacing: 0px; border-bottom: 0px; text-transform: none; color: rgb(51,51,51); outline-width: 0px; padding-bottom: 20px; text-align: justify; padding-top: 0px; font: 16px/30px 微软雅黑, 'Helvetica Neue', Helvetica, STHeiTi, sans-serif; outline-style: none; padding-left: 0px; margin: 0px; border-left: 0px; widows: 1; letter-spacing: normal; outline-color: invert; padding-right: 0px; text-indent: 2em; -webkit-text-stroke-width: 0px">12æœ?日，互è”网金èžé£Žé™©ä¸“项整治工作领导å°ç»„办公室和P2P网贷风险专项整治工作领导å°ç»„办公室近日è”åˆå°å‘了《关于规范整é¡?ldquo;现金è´?rdquo;业务的通知》，规定未ä¾æ³•å–å¾—ç»è¥æ”¾è´·ä¸šåŠ¡èµ„质，任何组织和个人ä¸å¾—ç»è¥æ”¾è´·ä¸šåŠ¡ã€?/p><p style="border-top: 0px; border-right: 0px; vertical-align: baseline; background: none transparent scroll repeat 0% 0%; white-space: normal; word-spacing: 0px; border-bottom: 0px; text-transform: none; color: rgb(51,51,51); outline-width: 0px; padding-bottom: 20px; text-align: justify; padding-top: 0px; font: 16px/30px 微软雅黑, 'Helvetica Neue', Helvetica, STHeiTi, sans-serif; outline-style: none; padding-left: 0px; margin: 0px; border-left: 0px; widows: 1; letter-spacing: normal; outline-color: invert; padding-right: 0px; text-indent: 2em; -webkit-text-stroke-width: 0px">上述通知已ç»ä»Žäº’è”网å°è´·å…¬å¸ã€é“¶è¡Œä¸šé‡‘èžæœºæž„ã€P2P网贷三方é¢åˆ‡æ–­äº†“现金è´?rdquo;的一部分资金æ¥æº——网络å°é¢è´·æ¬¾å…¬å¸æš‚åœå‘放无特定场景ä¾æ‰˜ã€æ— æŒ‡å®šç”¨é€”çš„å°é¢è´·æ¬¾ï¼Œé“¶è¡Œä¸šé‡‘èžæœºæž„ä¸å¾—以任何形å¼ä¸ºæ— æ”¾è´·ä¸šåŠ¡èµ„质的机构æ供资金å‘放贷款，ä¸å¾—与无放贷业务资质的机构共åŒå‡ºèµ„å‘放贷款；P2P网贷ä¸å¾—æ供无指定用途的借贷撮åˆä¸šåŠ¡ã€?/p><p style="border-top: 0px; border-right: 0px; vertical-align: baseline; background: none transparent scroll repeat 0% 0%; white-space: normal; word-spacing: 0px; border-bottom: 0px; text-transform: none; color: rgb(51,51,51); outline-width: 0px; padding-bottom: 20px; text-align: justify; padding-top: 0px; font: 16px/30px 微软雅黑, 'Helvetica Neue', Helvetica, STHeiTi, sans-serif; outline-style: none; padding-left: 0px; margin: 0px; border-left: 0px; widows: 1; letter-spacing: normal; outline-color: invert; padding-right: 0px; text-indent: 2em; -webkit-text-stroke-width: 0px">作为银行业金èžæœºæž„的组æˆéƒ¨åˆ†ä¹‹ä¸€ï¼Œæ¶ˆè´¹é‡‘èžå…¬å¸å‚与现金贷业务也è¦æ•´é¡¿ï¼Œäº‹å®žä¸Šï¼Œå¾ˆå¤šP2P网贷撮åˆçŽ°é‡‘贷的资金æ¥æºï¼Œé™¤äº†é“¶è¡Œä¹‹å¤–，也有很大一部分æ¥è‡ªæ¶ˆè´¹é‡‘èžå…¬å¸ã€?/p><p style="border-top: 0px; border-right: 0px; vertical-align: baseline; background: none transparent scroll repeat 0% 0%; white-space: normal; word-spacing: 0px; border-bottom: 0px; text-transform: none; color: rgb(51,51,51); outline-width: 0px; padding-bottom: 20px; text-align: justify; padding-top: 0px; font: 16px/30px 微软雅黑, 'Helvetica Neue', Helvetica, STHeiTi, sans-serif; outline-style: none; padding-left: 0px; margin: 0px; border-left: 0px; widows: 1; letter-spacing: normal; outline-color: invert; padding-right: 0px; text-indent: 2em; -webkit-text-stroke-width: 0px">æ ¹æ®å‡½ä»¶ï¼Œç¦æ­¢æ¶ˆè´¹é‡‘èžå…¬å¸é€šè¿‡P2P网络借贷撮åˆç­‰ä»»ä½•æ–¹å¼ä¸ºæ— æ”¾è´·ä¸šåŠ¡èµ„质的机构æ供资金å‘放贷款；ç¦æ­¢æ¶ˆè´¹é‡‘èžå…¬å¸é€šè¿‡ç­¾è®¢ä¸‰æ–¹å议等方å¼ä¸Žæ— æ”¾è´·ä¸šåŠ¡èµ„质机构共åŒå‡ºèµ„å‘放贷款ã€?/p><p style="border-top: 0px; border-right: 0px; vertical-align: baseline; background: none transparent scroll repeat 0% 0%; white-space: normal; word-spacing: 0px; border-bottom: 0px; text-transform: none; color: rgb(51,51,51); outline-width: 0px; padding-bottom: 20px; text-align: justify; padding-top: 0px; font: 16px/30px 微软雅黑, 'Helvetica Neue', Helvetica, STHeiTi, sans-serif; outline-style: none; padding-left: 0px; margin: 0px; border-left: 0px; widows: 1; letter-spacing: normal; outline-color: invert; padding-right: 0px; text-indent: 2em; -webkit-text-stroke-width: 0px">在借款æµç¨‹å¤–包方é¢ï¼Œç¦æ­¢æ¶ˆè´¹é‡‘èžå…¬å¸å°†æŽˆä¿¡å®¡æŸ¥ã€é£Žé™©æŽ§åˆ¶ç­‰æ ¸å¿ƒä¸šåŠ¡å¤–包；ç¦æ­¢æ¶ˆè´¹é‡‘èžå…¬å¸æŽ¥å—æ— æ‹…ä¿èµ„质的第三方机构æ供增信æœåŠ¡ä»¥åŠå…œåº•æ‰¿è¯ºç­‰å˜ç›¸å¢žä¿¡æœåŠ¡ï¼›ç£ä¿ƒæ¶ˆè´¹é‡‘èžå…¬å¸ç«‹å³é‡‡å–有效措施è¦æ±‚并ä¿è¯ç¬¬ä¸‰æ–¹åˆä½œæœºæž„ä¸å¾—å‘借款人收å–æ¯è´¹ã€?/p><p style="border-top: 0px; border-right: 0px; vertical-align: baseline; background: none transparent scroll repeat 0% 0%; white-space: normal; word-spacing: 0px; border-bottom: 0px; text-transform: none; color: rgb(51,51,51); outline-width: 0px; padding-bottom: 20px; text-align: justify; padding-top: 0px; font: 16px/30px 微软雅黑, 'Helvetica Neue', Helvetica, STHeiTi, sans-serif; outline-style: none; padding-left: 0px; margin: 0px; border-left: 0px; widows: 1; letter-spacing: normal; outline-color: invert; padding-right: 0px; text-indent: 2em; -webkit-text-stroke-width: 0px">值得注æ„的是，为了获å–银行或者消费金èžå…¬å¸è¾ƒä½Žæˆæœ¬çš„资金，从事现金贷的P2P网贷会与金èžæœºæž„签订“抽屉åè®®”，承诺还本付æ¯çš„兜底担ä¿ï¼Œå®¢è§‚上能打消银行ã€æ¶ˆè´¹é‡‘èžå…¬å¸å¯¹çŽ°é‡‘è´·å账的顾虑。此åŽè¿™ç§æ‹…ä¿ä¹Ÿå±žäºŽè¿è§„了ã€?/p><p style="border-top: 0px; border-right: 0px; vertical-align: baseline; background: none transparent scroll repeat 0% 0%; white-space: normal; word-spacing: 0px; border-bottom: 0px; text-transform: none; color: rgb(51,51,51); outline-width: 0px; padding-bottom: 20px; text-align: justify; padding-top: 0px; font: 16px/30px 微软雅黑, 'Helvetica Neue', Helvetica, STHeiTi, sans-serif; outline-style: none; padding-left: 0px; margin: 0px; border-left: 0px; widows: 1; letter-spacing: normal; outline-color: invert; padding-right: 0px; text-indent: 2em; -webkit-text-stroke-width: 0px">在放款数目和投资范围上，函件ç£ä¿ƒæ¶ˆè´¹é‡‘èžå…¬å¸ä¸¥æ ¼æ‰§è¡Œã€Šæ¶ˆè´¹é‡‘èžå…¬å¸è¯•ç‚¹ç®¡ç†åŠžæ³•ã€?ldquo;投资余é¢ä¸é«˜äºŽèµ„本净é¢çš„20%”的监管规定，且投资范围严格é™å®šäºŽå€ºåˆ¸ç­‰å›ºå®šæ”¶ç›Šç±»è¯åˆ¸ï¼Œä¸å¾—直接投资或通过ç†è´¢ç­‰å˜ç›¸æŠ•èµ„以“现金è´?rdquo;ã€?ldquo;æ ¡å›­è´?rdquo;ã€?ldquo;首付è´?rdquo;等为基础资产å‘å”®çš?ç±?è¯åˆ¸åŒ–产å“或其他产å“ã€?/p><p style="border-top: 0px; border-right: 0px; vertical-align: baseline; background: none transparent scroll repeat 0% 0%; white-space: normal; word-spacing: 0px; 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京公网安å¤?1011202001838å? </pre> </div> <script type="text/javascript" src="/tongji.js"></script></body> </HTML>