PBOC to Regulate Online Finance

張舒婷

The central bank is likely to announce rules covering the fast-growing Internet finance sector by midyear， a member of the Chinese People's Political Consultative Conference said Monday.

“The central bank has arranged several meetings involving banking， insurance and securities regulators，” said the anonymous CPPCC member， who has knowledge of the discussions.

Regulations are crucial for the industry's development， according to Li Daokui， a Tsinghua University professor and former central bank adviser. “There must be reserves for Internet financing products， and specific regulations and customer protections are needed.”

According to Liao Min， director-general of the China Banking Regulatory Commission's Shanghai Office， it's important that the regulations reduce risks connected with the rapidly growing sector.

Deposits with Yu'ebao， a popular online financing product， hit 400 billion yuan（$65.6 billion）on Feb 14， up from 250 billion yuan on Jan 15， according to Zhou Xiaoming， vice-general manager of Tianhong Asset Management Co.

Yu'ebao was formed through a partnership between Tianhong and the Internet giant Alibaba Group.

Regulations for online financial companies should be in line with those of the traditional financing industry， such as prudential supervisory requirements， information disclosure and customer protection requirements， Liao said.

He added that establishing a clear and efficient dispute resolution mechanism in line with international practices between customers and online financing entities is also essential.

Li Kemu， vice-chairman of the China Insurance Regulatory Commission， said that more licenses will be gradually granted to online insurance companies.

At present， there is only one online insurance company. But regulators will slowly ease access to the market， according to Li， a member of CPPCC.

As of the end of last year， 60 insurance firms in China had expanded to online sales channels， up 46 percent from two years earlier， according to a report by the insurance regulator.

中國人民銀行整頓網(wǎng)上金融

中國人民政治協(xié)商會議全國委員會委員周一表示，央行可能宣布截止到年中，將會出臺覆蓋迅速發(fā)展的互聯(lián)網(wǎng)金融行業(yè)規(guī)則。

一位匿名政協(xié)委員，獲悉相關(guān)討論之后說“央行已安排涉及銀行，保險和證券監(jiān)管部門的多次會議?！?/p>

法規(guī)對行業(yè)的發(fā)展是至關(guān)重要的，據(jù)清華大學(xué)教授，前央行顧問李稻葵介紹“互聯(lián)網(wǎng)融資產(chǎn)品必須有儲備，并且需要特定的法規(guī)和對客戶的保護(hù)”。

據(jù)中國銀行業(yè)監(jiān)督管理委員會上海辦事處處長廖岷稱，“針對發(fā)展迅速的行業(yè)建立降低風(fēng)險的法規(guī)是很重要的?！?/p>

據(jù)天弘基金管理有限公司副總經(jīng)理周小明稱，余額寶存款是一個很受歡迎的網(wǎng)上融資產(chǎn)品，自1月15日上線以來收益就達(dá)到了2500億元人民幣，2月14日增至4000億人民幣，折合656億美元。

余額寶是天弘與互聯(lián)網(wǎng)巨頭阿里巴巴合作成立的。廖岷說，互聯(lián)網(wǎng)金融公司相關(guān)法規(guī)應(yīng)該與傳統(tǒng)金融行業(yè)保持一致，例如審慎監(jiān)管要求，信息披露以及客戶保護(hù)要求等。

他補(bǔ)充說，依據(jù)國際慣例，在與客戶和網(wǎng)上融資機(jī)構(gòu)之間建立一個明確而有效的爭端解決機(jī)制也是必不可少的。

中國保險監(jiān)督管理委員會副主席李克穆表示，將逐漸向網(wǎng)上保險公司簽發(fā)更多的許可證。

目前，只有一個網(wǎng)上保險公司。依全國政協(xié)委員李克穆稱，但監(jiān)管機(jī)構(gòu)會慢慢放寬市場準(zhǔn)入。

據(jù)保險機(jī)構(gòu)發(fā)布的報告稱，截至去年年底，中國60家保險公司已經(jīng)擴(kuò)展至網(wǎng)上銷售渠道，比兩年前上漲了46%。