监管层首次明确网贷机构定性的五大原则

发表时间:2017-01-11文章来源:21世纪经济报道


      据悉,对于网贷机构定性,监管部门提出了五大原则,即信息中介原则、小额分散原则、线上经营原则、合理定价原则、专注主业原则。


      信息中介原则

      是否存在自融或变相自融、设立资金池、发放贷款、期限拆分、提供担保或承诺保本保息等行为,是否落实出借人及借款人资金第三方存管要求,信息披露是否完整、客观、及时等。


      小额分散原则

      看借款金额是否以小额为主,是否对借款人借款余额实行限额管理,借款用途是否主要满足于小微企业和个人的投融资需求等。


      合理定价原则

      看是否以不正常高额回报诱导出借人出资,是否符合民间借贷定价的相关规定,是否通过中间费用或隐形成本转移、加重借款人的负担,是否存在虚假、夸大或误导性宣传等行为。


      专注主业原则

      看是否发售银行理财、券商资管、基金、保险或信托产品,是否从事债权转让、类资产证券化、股权众筹等业务,是否与其他机构投资、代理销售、经纪等业务进行任何形式的混合、捆绑、代理,是否参与高风险证券市场融资或股票市场场外配资活动等。


      各类互联网金融机构监管总体分为三类

      合规类:稳健经营、运作规范,具有较强的管理技术和风险控制能力

      整改类:运行不规范、风险控制不足,缺乏持续经营能力和自我约束能力

      取缔类:涉嫌从事非法集资等违法违规活动



上一篇文章: when-present<#else>when-missing. (These only cover the last step of the expression; to cover the whole expression, use parenthesis: (myOptionalVar.foo)!myDefault, (myOptionalVar.foo)?? ---- ---- FTL stack trace ("~" means nesting-related): - Failed at: ${type} [in template "about-us/detail.ftl" in macro "container" at line 78, column 167] - Reached through: @container [in template "commons/default.ftl" at line 52, column 9] - Reached through: #include "*/commons/default.ftl" [in template "about-us/detail.ftl" at line 1, column 1] ---- Java stack trace (for programmers): ---- freemarker.core.InvalidReferenceException: [... Exception message was already printed; see it above ...] at freemarker.core.InvalidReferenceException.getInstance(InvalidReferenceException.java:131) at freemarker.core.EvalUtil.coerceModelToString(EvalUtil.java:355) at freemarker.core.Expression.evalAndCoerceToString(Expression.java:82) at freemarker.core.DollarVariable.accept(DollarVariable.java:41) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visitByHiddingParent(Environment.java:345) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:48) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.Macro$Context.runMacro(Macro.java:184) at freemarker.core.Environment.invoke(Environment.java:701) at freemarker.core.UnifiedCall.accept(UnifiedCall.java:84) at freemarker.core.Environment.visitByHiddingParent(Environment.java:345) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:48) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.Environment.include(Environment.java:2072) at freemarker.core.Include.accept(Include.java:167) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.Environment.process(Environment.java:302) at freemarker.template.Template.process(Template.java:325) at org.springframework.web.servlet.view.freemarker.FreeMarkerView.processTemplate(FreeMarkerView.java:367) at org.springframework.web.servlet.view.freemarker.FreeMarkerView.doRender(FreeMarkerView.java:284) at org.springframework.web.servlet.view.freemarker.FreeMarkerView.renderMergedTemplateModel(FreeMarkerView.java:234) at org.springframework.web.servlet.view.AbstractTemplateView.renderMergedOutputModel(AbstractTemplateView.java:167) at org.springframework.web.servlet.view.AbstractView.render(AbstractView.java:303) at org.springframework.web.servlet.DispatcherServlet.render(DispatcherServlet.java:1243) at org.springframework.web.servlet.DispatcherServlet.processDispatchResult(DispatcherServlet.java:1027) at org.springframework.web.servlet.DispatcherServlet.doDispatch(DispatcherServlet.java:971) at org.springframework.web.servlet.DispatcherServlet.doService(DispatcherServlet.java:893) at org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:968) at org.springframework.web.servlet.FrameworkServlet.doGet(FrameworkServlet.java:859) at javax.servlet.http.HttpServlet.service(HttpServlet.java:620) at org.springframework.web.servlet.FrameworkServlet.service(FrameworkServlet.java:844) at javax.servlet.http.HttpServlet.service(HttpServlet.java:727) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:303) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208) at org.apache.tomcat.websocket.server.WsFilter.doFilter(WsFilter.java:52) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208) at org.apache.shiro.web.servlet.ProxiedFilterChain.doFilter(ProxiedFilterChain.java:61) at org.apache.shiro.web.servlet.AdviceFilter.executeChain(AdviceFilter.java:108) at org.apache.shiro.web.servlet.AdviceFilter.doFilterInternal(AdviceFilter.java:137) at org.apache.shiro.web.servlet.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:125) at org.apache.shiro.web.servlet.ProxiedFilterChain.doFilter(ProxiedFilterChain.java:66) at org.apache.shiro.web.servlet.AbstractShiroFilter.executeChain(AbstractShiroFilter.java:449) at org.apache.shiro.web.servlet.AbstractShiroFilter$1.call(AbstractShiroFilter.java:365) at org.apache.shiro.subject.support.SubjectCallable.doCall(SubjectCallable.java:90) at org.apache.shiro.subject.support.SubjectCallable.call(SubjectCallable.java:83) at org.apache.shiro.subject.support.DelegatingSubject.execute(DelegatingSubject.java:383) at org.apache.shiro.web.servlet.AbstractShiroFilter.doFilterInternal(AbstractShiroFilter.java:362) at org.apache.shiro.web.servlet.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:125) at org.springframework.web.filter.DelegatingFilterProxy.invokeDelegate(DelegatingFilterProxy.java:346) at org.springframework.web.filter.DelegatingFilterProxy.doFilter(DelegatingFilterProxy.java:262) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208) at com.qianpen.hsf.channel.web.session.http.SessionRepositoryFilter.doFilterInternal(SessionRepositoryFilter.java:81) at com.qianpen.hsf.channel.web.session.http.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:37) at org.springframework.web.filter.DelegatingFilterProxy.invokeDelegate(DelegatingFilterProxy.java:346) at org.springframework.web.filter.DelegatingFilterProxy.doFilter(DelegatingFilterProxy.java:262) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208) at org.springframework.web.filter.CharacterEncodingFilter.doFilterInternal(CharacterEncodingFilter.java:121) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:107) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208) at org.apache.catalina.core.StandardWrapperValve.invoke(StandardWrapperValve.java:220) at org.apache.catalina.core.StandardContextValve.invoke(StandardContextValve.java:122) at org.apache.catalina.authenticator.AuthenticatorBase.invoke(AuthenticatorBase.java:504) at com.taobao.tomcat.valves.ContextLoadFilterValve$FilterChainAdapter.doFilter(ContextLoadFilterValve.java:191) at com.taobao.eagleeye.EagleEyeFilter.doFilter(EagleEyeFilter.java:81) at com.taobao.tomcat.valves.ContextLoadFilterValve.invoke(ContextLoadFilterValve.java:150) at org.apache.catalina.core.StandardHostValve.invoke(StandardHostValve.java:170) at org.apache.catalina.valves.ErrorReportValve.invoke(ErrorReportValve.java:103) at org.apache.catalina.core.StandardEngineValve.invoke(StandardEngineValve.java:116) at org.apache.catalina.connector.CoyoteAdapter.service(CoyoteAdapter.java:423) at org.apache.coyote.http11.AbstractHttp11Processor.process(AbstractHttp11Processor.java:1080) at org.apache.coyote.AbstractProtocol$AbstractConnectionHandler.process(AbstractProtocol.java:611) at org.apache.tomcat.util.net.JIoEndpoint$SocketProcessor.run(JIoEndpoint.java:314) at java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1145) at java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:615) at org.apache.tomcat.util.threads.TaskThread$WrappingRunnable.run(TaskThread.java:61) at java.lang.Thread.run(Thread.java:745)