Many banks pull gate P2P payment interface platform said limited impact-www49vv.com

Many banks "pull gate" P2P payment interface platform said limited impact, due to the Bank of agriculture, Bank of China, China Merchants Bank and other banks have suspended P2P recharge business, a time P2P institutions crisis suddenly improved. Although the phenomenon did not spread further after the Spring Festival, the deep meaning of the bank’s action is still memorable. According to the "Chinese business newspaper" the reporter, after the rent treasure event in E, P2P market risk unprecedented attention, that the bank is also cautious in the relevant business cooperation. At the same time, the cooperation between most banks and P2P is indirectly connected by the third party payment institutions, and the control of the bank interface is out of control. More importantly, the mismatch between earnings and risk seems to be "not worth" in the banks, which has caused some banks to temporarily rectify the business". Suspend P2P payment interface, bank closed P2P payment channel, no doubt is the risk of concern. In January 22nd, the bank electronic banking department issued a "notice" on stop and cooperation and breaching payment mechanism, which refers to the part of the third party payment institutions to provide bank card payment channels to the P2P platform, leading to the risk of spread to our bank, brought great negative impact to our reputation." Ask the payment organization to close the P2P transaction interface and suspend the online banking recharge service. In February 3rd, China Merchants Bank also announced the temporary closure of the P2P interface, and the reason given was the upgrade of the payment interface. Subsequently, the bank, Shanghai Pudong Development and other 5 banks have also been exposed to shut down the interface, but soon proved false. "Closing the P2P interface is isolating the risk, and there’s no other reason. In the eyes of banks, the P2P industry is too risky for banks to worry about being implicated." ABC stakeholders said, after a net loan platform accident, often involve the customer groups and the amount is very large, banks need to troubleshoot risks in this business. However, the Shanghai Pudong Development Bank said: "the bank can not talk about the cusp of closing the P2P interface. Because in the cooperation with the third party payment agencies, it has been emphasized that the interface is not connected to the P2P platform." According to the reporter, under normal circumstances, the bank and P2P recharge business is not a direct cooperation, but through the third party payment institutions to connect. In this process, the bank faces only third party payment institutions, and the control of the other side of P2P is out of control. "When banks cooperate with the third party payment institutions, they have explicitly put forward that the interface is not for P2P, but in actual operation, the bank does not understand the details, nor does it exclude the operation of the bank’s original intention." The Shanghai Pudong Development Bank said. Bank of electronic banking, a person told reporters: "some banks pause P2P interface is for risk considerations.". However, it is aimed at a number of violations of the P2P platform, which is also a protection of bank customers." In fact, the reporters learned that, as a payment channel, many P2P platform practices will indeed affect the reputation of the bank. Many P2P platforms claim to cooperate with most banks in the country to bank.

多家银行“拉闸”P2P支付接口 平台称影响有限   由于农行、交行、招行等银行相继暂停了P2P充值业务,一时间P2P机构危机感骤然提升。尽管该现象在春节后并没有进一步蔓延,但是银行这一举措的背后深意还是令人回味。据《中国经营报》记者了解,在e租宝事件之后,市场对P2P风险的关注度空前高涨,以致银行在相关业务合作上也显得谨小慎微。   同时,大部分银行与P2P的合作是由第三方支付机构间接连接的,银行对接口的控制实际处于失控状态。更重要的是,收益和风险上的不匹配在银行看来也“不值得”,这也就引发了部分银行对该业务的暂时“整顿”。   暂停P2P支付接口   银行关闭P2P支付通道毫无疑问是对风险的担忧。1月22日,农行电子银行部发布了《关于立即停止与违规违约支付机构合作的通知》,其中提到“部分第三方支付机构向P2P平台提供了农行卡支付通道,导致风险蔓延至我行,给我行声誉带来了极大的负面影响。”要求支付机构关闭P2P交易接口,暂停网银充值服务。   2月3日,招行也宣布对P2P接口的暂时关闭,而给出的理由是支付接口的升级。随后,交行、浦发等等另5家银行也被曝出相继关闭接口,但是很快就被证不实。   “对P2P接口的关闭就是隔离风险,并没有其他原因。在银行看来,P2P行业风险太大了,银行担心受到牵连。”农行相关人士称,一家网贷平台出事之后,往往涉及到的客户群体和金额都非常大,银行在这项业务上需要排查风险。   然而,浦发银行则称:“银行谈不上在风口浪尖关闭P2P接口。因为在与第三方支付机构合作中,就一直强调了接口是不对接P2P平台的。”   据记者了解,通常情况下,银行和P2P的充值业务并不是直接的合作,而是经由第三方支付机构进行连接。银行在此过程中面对的仅仅是第三方支付机构,对另一端P2P的把控是“失控”状态。   “银行在和第三方支付机构合作的时候,已经明确的提出了接口是不能对P2P的,但是实际操作中,银行对详细的情况并不了解,也不排除有操作是违背银行初衷的。”上述浦发银行人士称。   交行电子银行部一位人士告诉记者:“部分银行暂停P2P接口就是出于风险考虑。但是,针对的是一批违规违约的P2P平台,这也是对银行客户的一种保护。”   实际上,记者在采访中了解到,作为一个支付通道,很多P2P平台的做法的确会影响银行声誉。“很多P2P平台声称与国内大多数银行有合作,将银行的标识和支付通道整齐的排列出来,以取信投资者。可是,平台可能并没有和银行直接合作,一旦风险暴露,银行声誉上会有所牵连。”一家P2P平台负责人表示。   他认为,这种“借力”的宣传手段无形中让银行做了信誉背书,可能银行都不知情。“如果是国内比较好的网贷平台也没关系,碰到跑路和倒闭的网贷平台就不好说了。”   银行“分化”   在所有金融领域中,P2P属于风险较高的一种,而银行却是“风险厌恶”型,两者的合作注定不可能一拍即合。   从大行的角度看,P2P总体资金量并不大,其中的收益与潜在的风险不能匹配。P2P和银行的合作中,收费往往因为高于第三方支付被“讨价还价”。银行的利益无非是一笔无息的客户资金和P2P风险保证金,但是国有行大多认为“不值得”。   “P2P和银行的合作门槛很高,一直也很难推动,就是在收益和风险上。银监会已经发文推动P2P资金存管,障碍也在这。”一家股份行人士表示。   实际上,对于银行关闭P2P接口一事,很多P2P平台对与银行合作资金存管的事也表示了担忧。他们担心银行对P2P的态度恶化,导致合作谈判中处于不利地位。   “目前国内银行数量很多,还是有不少银行对P2P是很有兴趣的。”上述股份行人士认为,银行之间的竞争日益激烈,即使P2P蛋糕不是很大,但是还是会有银行愿意分这块“蛋糕”。   他认为,银行与P2P之间的合作一直以来就存在分化。大行对P2P的合作兴趣有限,中小银行则步调较快。“从国家的政策来看,仍是鼓励互联网金融行业,包括P2P网贷的。但是,怎样处理好风险、怎么合作、用什么模式合作等是问题的关键所在。”   值得关注的是,市场对银行关闭P2P接口的消息漫天飞舞,但是记者发现部分P2P充值业务中大多数银行赫然在列,变动并不大。   “银行没有将所有P2P平台的接口关掉,一些资质较好的P2P平台仍能通过各家银行充值,但是目前大额充值会有所受限。”一家P2P平台负责人表示,这件事情传的太夸张,小额投资和平台业务其实并没有多大影响。相关的主题文章: