Gold loan event supervision chaos third party payment is useless

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[for most investors, because the third party payment platform for financial platform easier reliance on P2P net loan company, did not realize that the funds into a P2P net loan company and the third party payment platform accounts and into their bank account is]

June 12 Japanese newspaper reported that the first P2P lending sites gold loan suspected Juankuan run away incident, according to the parties revealed that the suspect has been arrested by Gansu police, part of the debt has been recovered, the police are currently under investigation.

this case is the first case of fraud in the field of P2P net loan broke out. "The cost of crime is so low that there is little need for capital costs. At the same time, P2P network lending funds regulatory issues surfaced." Net loan home for Xu Hongwei told the first financial daily "intelligence" (micro-blog).

third party payment platform

useless?

let the victims breathless is to fund platform third party payment platform was useless in the P2P network loan".

out of things to know that the money into the third party payment platform is actually equivalent to the money directly into the bank account liar. We now want to make it clear that, once the event of risk, the third party payment platform is responsible for." In the incident has been responsible for communication with the victim of the police Kai Jie (a pseudonym) told reporters.

in the case of the third party payment platform with the gold loan cooperation is a fast payment. In short, P2P net loan to deal with a large number of borrowers and lenders of funds, we must choose a financial platform, this platform is either a bank, or third party payment. The current situation is that most P2P net loan companies have chosen to cooperate with the third party payment platform.

P2P network loan size is still very small, attractive for banks is not large, plus the possible existence of bad debt risk and moral hazard, many banks do not want to get involved." A P2P net loan company official told reporters.

problem is that as a platform for the payment of funds into the third party payment company has the responsibility of financial supervision

?

in the gold loan case, globalcom payment and gold loan cooperation model of "direct payment" service, that is to say, the gold loan ringson payment to set up a fund account, the investor will direct funds into gold loan in ringson account.

reporter learned that, not only is the ring of payment, the vast majority of P2P net loan companies and third party payment platform is the direct cooperation model.

for most investors, because it is much easier for the third party payment platform as a financial platform for P2P net loan company trust, but did not realize that in fact the funds into a P2P net loan company and the third party payment platform and into their bank account >