Remaining sum treasure makes policy " edge ball " inspect of Central Bank card will be successional caution

Xinhua net Beijing on July 2 report (Wang Wen is tasted) on 18 days of users break through the line 2.5 million, accumulative total turns into capital dimensions 6.601 billion yuan. The support of remaining sum treasure that horizontal sky is born cleans out treasure net giant user group " ant moves type " move capital, with one action becomes the monetary fund with Chinese user at present maximum number. Pay treasure without what fund sells license plate together Tian Hong fund is clever superintend through selling mode steer clear of continuously, use merely " pay a qualification card " at top speed race to control traditional fund company is commissioned to sell with tripartite the cheese of the orgnaization.

In the light of such " curve " the fund of counterattack sells kind, the market oppugns in an endless stream.

Is professing to sell the remaining sum treasure of fund to sell flow to accord with directly superintend? Of capital of a huge sum be on the move, is the risk on guard is measure all ready? Finance of Chinese people the Milky Way consumes rights and interests to protect bureau director Jiao Jinpu to expressed recently, remaining sum treasure makes policy " edge ball " , risk clew is insufficient. Meanwhile, chinese people bank pays Zhou Jinhuang of vice director of settle accounts department to express publicly also, want vigilant and individual orgnaization short-term the behaviour that change, drive below the premise that the risk can accuse pay innovation.

In fact, the 8th day after face city, remaining sum treasure ever can be made public because of flow disagreement compasses by card inspect " call-over " . Can mix one after another by card inspect caution of Central Bank risk, are the sale technological process of remaining sum treasure and risk on guard to whether touch superintendency red line?

　　 ■ secret worry: The market 3 be anxious greatly unintelligible

The world bright bright all come fomodern dining chairsr benefit. Below the appeal of high income, add very convenient platform, remaining sum treasure attracted numerous user to turn into capital. As we have learned, although explain buy the forehead to be as high as 6689 yuan, but every explain buy the specified amount very low. Great majority of user of treasure of this specification remaining sum measures less user for capital, support cleans out the user with treasure giant net group, ant moves of type transferred 7 billion yuan. As a result of its abrass faucet aerator t present number of accumulative total user is achieved two million five hundred and fifteen thousand six hundred, had become domestic user to count the biggest money fund.

As we have learned, paid treasure to had signed collaboration to sell an agreement with 37 fund company, and the store of flagship of goverthe most popular north face shirtsnment of the net that clean out treasure of fund company, also will be in before long hind go up formally line. To this, many market personages think, be in " money is confused " when be troubled by the most fiercely, remaining sum treasure relies on platform to get together at top speed at top speed endowment it is one kind coverts " suck store " , if a lot of users use remaining sum treasure, the money of the circle in paying treasure the hand will be more.

north face shirts

In addition, the personage analyses bank interior, pay the intention that such way is having treasure to reduce equipment to pay gold scale. The basis sets related the Central Bank, the sth used to one's own advantage of real pay currency that pays an orgnaization and client equipment Fu Jinri all the scale of remaining sum, must not under 10% , among them sth used to one's own advantage of real pay currency is to register capital minimum limitation. This is meant, the client fund that tripartite pays of short duration to put have enough to meet need is more, the earnest money that its need to prepare additionally is more also.

The reporter notices, the fund of money of the treasure that increase profit that remaining sum treasure cooperates basically is used athe most popular norton internet antivirust investing the profit such as deposit of agreement of national debt, bank the financial tool with stable, extremely low risk.

The personage inside course of study points out: "Contrast obtains fund at present tripartite sells goods on a commission basis the orgnaization of license plate, pay treasure to accuse to wait for tiring-room system without the fund liquidation that builds his, wind, also do not have those who remove fund product to invest adviser to recommend a role, profit pattern also is not commission to be divided into. Accordingly, do not talk to go up fund sells goods on a commission basis, also be confined to low risk category on the breed of fund product. But also hit an edge ball, below the case that sells license plate without fund, pay treasure to use ' remaining sum treasure ' circled a turn, came true to sell fund to the user. Came true to sell fund to the user..

Market personage is general and anxious, pay treasure to pay a company as, are its mixed in the professional competence of fund respect risk government ability whether get used to this kind of part to change?

Besides assemble many capital, pay treasure to still work went out " the buy ticket after normal time after getting on a car first " thing. On June 21, card inspect meets news spokesman call-over publicly the two big questions that criticized remaining sum treasure, it is its did not put on record to superintendency branch, 2 it is to did not submit supervisory agreement, this was disobeyed " sale of fund of negotiable securities investment runs way " and " capital of settlwatch casese accounts of sale of fund of negotiable securities investment administers provisional regulation " partial provision.

According to the report, be call-overed " remaining sum treasure " partial fund sale pays settle accounts account to did not put on record. Occupy personage of know the inside story to divulge, be in " remaining sum treasure " in business, pay treasure and more than 10 banks to all have collaboration, but because communicate not free, can sign up for equipmenbrass faucett to card inspect only the collaboration with 3 banks, the others did not put on record. Pay treasure relevant public figure disclose to media, as a result of,pay treasure the first time contact of superintendency department of attempt and finance, not familiar put on record and send careful flow, because this can be call-overed by card inspect,remind.

　　 ■ response: The company says to still wait for superintendency layer give an official

Pay treasure relevant personage reporter divulge, paid treasure to already can hand over place to require procedure to card inspect last week. But the written reply to a subordinate body that has not get superintendency a layer, say specific evidence inspect is met when the schedule that official written reply to a subordinate body did not make clear.

Be met by card inspect in remaining sum treasure " call-over " hind, ma Yun published signed article publicly in media on June 21 " the person that financial industry needs agitate bureau " , show Chinese finance is superintended continuously in article excessive, the appeal opens the financial industry that did not provide a service to most Chinese at present further.

"Chinese banking industry especially banking, served 20% clients, however 80% enterprises do not have Wu of bedding and clothing. Chinesethe best spring pool future economy grows hang on whether more small company takes loan. Big bank of Chinese great majority chooses to provide a service to the big company with those person wide arteries and veins only now. " Ma Yun talks in article.

　　 ■Superintend: Policy " edge ball " highlight superintendency blind area

　　Who do the Central Bank and card inspect meet move?

Pay treasure respect to say, up to on June 30, the fund of money of the treasure that increase profit that remaining sum treasure cooperates is newest change yield 7 days years to be as high as 6.299% , 10 thousand accrual achieve 1.6518 yuan. So giant user group is the risk of financial product prevented accuse to by who guard a pass?

Pay the management of platform the regulation to tripartite according to the Central Bank, pay treasure remaining sum to be able to buy consultative deposit, whether the regulation that buy fund and did not make clear. Likely to the superintendency of remaining sum treasure cannot according to common disbursement the clause of the product undertakes.

If serve as fund product to superintend, inspect can be in card to call-over publicly on June 21 merely sale of its part fund pays settle accounts account to want agreement of proposal of filling all ready, did not perform the function that superintends in the round it seems that.

"Like remaining sum treasure presence of banking of this kind of Internet is superintended ' blind area ' , it is to be in those who make policy ' edge ball ' . " when bureau director Jiao Jinpu is accepting a reporter to interview, protection of rights and interests of consumption of finance of Chinese people bank points out, "This strengthens the harmonious cooperation between a 3 meetings with respect to need, innovate to this kind of finance, the main body of its product is which branch is superintthe best selling modern dining chairsended, with respect to this the branch is in charge of by which. For instance, remaining sum treasure is product of a fund essentially, should meet by card inspect appear personally superintend. Shi want modern dining chairsould meet by card inspect appear personally superintend..

Jiao Jinpu expresses, remaining sum treasure is an innovation product that steps a trade, but go up in innovation problem, must make clear the system that consumer rights and interests protects and method, and to superintending a branch for, still put in the problem that superintends harmonious mechanism.

Is remaining sum treasure fund product still pays a product after all? Consumer is divided as before not clear, can expect superintendency layer publishs specific superintendency measure to assure oneself rights and interests only.

　　 ■ the editor comments on: Financial innovation needs to be on guard risk

Superintendency layer supports financial innovation energetically all the time, as the rapid growth that in recent years the network consumes, the IT of many market demand, intense market competition and advance rapidly is ecbolic the financial diversity of Internet.

But, whether should innovation also serve with improvement, reduce a risk, improve efficiency, is service the people's livelihood premise? It is to innovate merely, and the innovation that whether the professional competence that takes no account of an enterprise and risk government ability get used to this kind of novelty, that brings what consumer and hypostatic economy bring will be material benefits of enormous hidden trouble and rather than. Once the financial innovaharrison hot spring public pooltion that lacks superintendency zephyr danger to be on guard is rolled out, cruel grow, hidden trouble can buy sheet finally by consumer only.

It is reported, chinese people bank pays Zhou Jinhuang of vice director of settle accounts department to was held on June 27 " China pays liquidation industry to run a report (2013) " ever was opposite on the news briefing the innovation mechanism that pays an industry makes known his position clearly, "Disbursement industry innovation wants base oneself upon at actual, want vigilant and individual orgnaization short-term the behaviour that change, drive below the premise that insists to be able to accuse in the risk pay innovation " . He emphasizes particularly, enterprise and the manner that the industry innovates cannot be pounded or say system of evasive and existing system of law law plan, cannot the red line that lay a finger on superintends.