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互联网金融诞生《指导意见》“新生儿”全解析
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互联网金融界的重要消息！如同英国诞生小公主一般，中央也终于诞生了一个对于P2P互联网金融有着非凡意义的小生命，他就是《互金指导意见》，诞生时间：7月18日11时2分，大名《关于促进互联网金融健康发展的指导意见》，个性特征：从一出生就拥有着对P2P互联网金融的管辖规范权力。 对新生儿满怀关注同时，草根们只能感叹，从央视出生，人家不是来自贵族，人家来自绝对权威。。) \5 ~" Z& o/ ^, c. a" J
镜头一：窥一窥"新生儿"的来源7 t9 ~. h$ u9 S" H: Y" o: V
2 P) Q1 Q. H% W" A4 a3 u* N
孕育期 竟度过了16年之久。。8 h: r8 ^& l6 i& d6 q/ c% W
（1999年始,我国就有服务于交易的支付网关模式,标志着天朝互联网金融正式开始兴起。。）
' Z+ [& o- F- A+ `9 ~# p【诞生苗头】5 l f) d6 ]8 _% G
互联网金融 最近几年势头发展迅猛，P2P、众筹等网络金融新模式继续“疯长”，传统的金融机构及其他产业公司加速转型、跨界触网。速度的加快带来环境的动荡，行业风险事件屡禁不止，新型违法行为不断涌现，希望完善互联网金融完善监管体系的呼声日益强烈。。- b) Y3 I6 [9 c3 z) a9 A
“互联网金融监管法规为何迟迟未有，监管难，未来路在何方? ”9 z$ j8 X/ j/ }, x" V
【生产前 倒数14天】
* L) e0 V0 f1 @$ i9 M9 a7 K7月4日，《国务院关于积极推进“互联网+”行动的指导意见》正式公开发布，支持金融机构和互联网企业依法合规开展网络借贷、网络证券、网络保险、互联网基金销售等四大业务，指出“互联网+普惠金融”的三个重点方向，希望让更多层面的群体了解“普惠金融”、融入“普惠金融。 A! \7 I7 J* v/ d6 s+ C
镜头二：“新生儿”终诞生 带来受益者改变% p0 ?& \( ]1 z% f9 J
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投资者减少投资风险忧虑
" Q9 R: D4 X$ Q- O8 @7 }6 y7月18日11时2分，《互金指导意见》终于诞生，在千呼万唤的期待下，毋庸置疑地为投资者们增添了温暖，出自中央，庄严的管辖权帮助着投资者们在更稳定和谐的市场中合理规划生活，当然，虽然还不够成熟，但是对于市场的规范与风控也足够有力度。0 Y* J. d% j" _: d |
给P2P证明身份
4 A1 X- x( ~- U" f: _《指导意见》把备受关注的P2P明确定性为信息中介，不为信用中介，不能提供增信服务，要求将银行业金融机构作为资金存管机构，同时支持拓宽从业机构融资渠道，改善融资环境。
; D+ x1 _# E; D/ J/ O* Z至此，互联网金融终于被认可，P2P的身份定性为属于民间借贷的信用中介，主要为借贷双方的直接借贷提供信息服务，不得提供增信服务，不得非法集资。其中也包含了互联网金融机构未来在主板、创业板或新三板上市成为可能？
x$ D3 n: o" t, Y7 `镜头三：是喜还是虑？P2P环境有哪些变化？; b, P6 Z8 s2 D: u0 `3 d
随着《互联网金融指导意见》的出炉，业内对于P2P细则的推he-pai.cn/article-755-1.html出预期也在加大。P2P的草案已经基本完成，已处于检验细则是否有效的阶段，将选择合适的时机推出。这样，“新生儿”《指导意见》 诞生不久，在年内就可以穿上“网贷监管细则”的新衣。:）' |& e: b' L4 S, i
- P7 O g, Z- z2 E9 s% n风控、创新成新宠 洗牌已成定局。。
% u- E, ^% i$ K I8 C& y# X7 s即便网贷监管细则暂未穿上，但在指导意见的纲领性框架下，随着P2P行业管理的逐渐规范，市场将越来越繁荣，逐渐出现优胜劣汰或者大鱼吃小鱼的残酷竞争将成为必然趋势。在新一轮的竞争中，那些规模较小和资金链较弱的P2P平台，无疑面临着被洗牌的风险。由于天朝绝大部分的P2P平台都是小微企业。因此，有人甚至认为，90%以上的平台将被并购或挤出市场。
( u O( |2 I; v) c' [# ?4 X% |这一刻的互联网金融领域，“新生儿”《指导意见》的诞生，对于传统持牌金融机构进军P2P行业，大体还是利好的。随着“新衣”监管的落定，会有更多的投资人进入到这个行业。日后的P2P也很将迎来更多大资本的进入。
( I. a! \6 F8 E: m1 S" X9 v 转自新浪博客：blog.sina.com.cn/s/blog_14c23067c0102vueh.html |
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