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现金贷成陷阱贷,须强化“机构健全性”监管

来源: 南方日报网络版     时间: 2019年08月18日 17:21:27
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(原)(标)(题)(:现)(金)(贷)(成)(陷)(阱)(贷)(,须)(强)(化)(“机)(构)(健)(全)(性)(”监)(管)(
近)(日)(,一)(款)(名)(为)(“现)(金)(贷)(”的)(小)(额)(、短)(期)(线)(上)(金)(融)(产)(品)(引)(发)(广)(泛)(关)(注)(和)(质)(疑)(,无)(牌)(照)(滥)(放)(贷)(款)(、动)(辄)(500%的)(超)(高)(利)(率)(、暴)(力)(催)(收)(、泄)(露)(用)(户)(隐)(私)(等)(行)(业)(乱)(象)(不)(断)(爆)(出)(。记)(者)(调)(查)(发)(现)(,为)(了)(规)(避)(法)(律)(红)(线)(,国)(内)(的)(现)(金)(贷)(平)(台)(通)(常)(用)(隐)(蔽)(的)(方)(式)(加)(到)(借)(款)(人)(身)(上)(,比)(如)(手)(续)(费)(、快)(速)(信)(审)(费)(、账)(户)(管)(理)(费)(等)(名)(目)(。
针)(对)(现)(金)(贷)(规)(模)(扩)(张)(迅)(猛)(、行)(业)(乱)(象)(,央)(行)(有)(关)(负)(责)(人)(近)(日)(在)(“2017首)(届)(中)(国)(互)(联)(网)(金)(融)(论)(坛)(”上)(表)(示)(,包)(括)(“现)(金)(贷)(”在)(内)(的)(所)(有)(金)(融)(业)(务)(都)(要)(纳)(入)(监)(管)(下)(一)(步)(将)(按)(照)(实)(质)(重)(于)(形)(式)(的)(原)(则)(,实)(施)(穿)(透)(式)(监)(管)(。
笔)(者)(认)(为)(,现)(金)(贷)(实)(施)(穿)(透)(式)(监)(管)(的)(重)(点)(在)(于)(:帮)(助)(金)(融)(消)(费)(者)(获)(取)(更)(多)(的)(信)(息)(,更)(为)(重)(要)(的)(是)(要)(在)(确)(保)(“机)(构)(健)(全)(性)(”下)(功)(夫)(,例)(如)(设)(置)(牌)(照)(等)(准)(入)(限)(制)(,定)(期)(财)(务)(审)(查)(、合)(规)(性)(审)(查)(等)(,才)(能)(真)(正)(避)(免)(暴)(力)(催)(收)(、泄)(露)(用)(户)(隐)(私)(等)(行)(业)(乱)(象)(滋)(生)(。
最)(近)(,很)(多)(媒)(体)(纷)(纷)(唱)(衰)(现)(金)(贷)(,甚)(至)(说)(从)(事)(现)(金)(贷)(的)(公)(司)(是)(充)(满)(罪)(恶)(的)(。其)(实)(现)(金)(贷)(本)(身)(没)(有)(原)(罪)(,从)(事)(现)(金)(贷)(的)(公)(司)(未)(必)(就)(必)(然)(充)(满)(罪)(恶)(。实)(事)(求)(是)(地)(说)(,以)(大)(数)(据)(、风)(险)(控)(制)(为)(基)(础)(的)(金)(融)(科)(技)(公)(司)(,能)(够)(让)(被)(排)(斥)(在)(传)(统)(金)(融)(市)(场)((银)(行)(信)(贷)()之)(外)(的)(人)(群)(获)(得)(金)(融)(服)(务)(,这)(是)(具)(有)(积)(极)(意)(义)(的)(,能)(够)(增)(加)(社)(会)(福)(利)(。现)(金)(贷)(在)(我)(国)(确)(实)(存)(在)(很)(大)(的)(市)(场)(需)(求)(,据)(称)(有)(超)(过)(5个)(亿)(的)(市)(场)(人)(群)(。
实)(际)(上)(,现)(金)(贷)(的)(乱)(象)(在)(于)(,绝)(大)(多)(数)(现)(金)(平)(台)(公)(司)(自)(称)(为)(金)(融)(科)(技)(公)(司)(,游)(离)(于)(金)(融)(监)(管)(之)(外)(。目)(前)(,市)(场)(上)(各)(种)(现)(金)(贷)(平)(台)(有)(几)(千)(家)(,很)(多)(都)(是)(P2P平)(台)(转)(型)(而)(来)(的)(,也)(有)(不)(少)(新)(成)(立)(的)(,因)(为)(这)(个)(行)(业)(挣)(钱)(,可)(以)(说)(是)(暴)(利)(。据)(业)(内)(人)(士)(透)(露)(,现)(在)(这)(一)(行)(业)(的)(综)(合)(借)(款)(利)(率)(都)(很)(高)(,年)(化)(利)(率)(别)(说)(是)(500%,甚)(至)(1000%的)(都)(有)(。
当)(前)(,现)(金)(贷)(业)(务)(仍)(处)(于)(灰)(色)(地)(带)(,例)(如)(部)(分)(机)(构)(变)(相)(以)(服)(务)(等)(方)(式)(维)(持)(畸)(高)(的)(利)(率)(;现)(金)(贷)(的)(借)(款)(资)(金)(流)(向)(、房)(贷)(机)(构)(的)(杠)(杆)(率)(等)(,都)(处)(于)(监)(管)(空)(白)(。有)(的)(现)(金)(贷)(平)(台)(公)(司)(甚)(至)(自)(称)(是)(科)(技)(公)(司)(,事)(业)(平)(台)(,只)(是)(撮)(合)(,企)(图)(打)(金)(融)(产)(品)(的)(插)(边)(球)(。
实)(际)(上)(,现)(金)(贷)(平)(台)(公)(司)(按)(照)(穿)(透)(式)(监)(管)(思)(维)(,其)(“撮)(合)(”功)(能)(就)(是)(典)(型)(的)(金)(融)(中)(介)(机)(构)(。金)(融)(市)(场)(及)(金)(融)(中)(介)(机)(构)(,哪)(怕)(是)(在)(以)(高)(度)(市)(场)(自)(由)(的)(美)(国)(经)(济)(中)(也)(是)(受)(到)(最)(严)(格)(监)(管)(的)(部)(门)(。
一)(般)(来)(说)(,政)(府)(出)(于)(两)(个)(方)(面)(原)(因)(对)(金)(融)(市)(场)(及)(金)(融)(中)(介)(机)(构)(进)(行)(监)(管)(:一)(是)(帮)(助)(金)(融)(消)(费)(者)(和)(投)(资)(者)(获)(取)(更)(多)(的)(信)(息)(;二)(是)(确)(保)(金)(融)(体)(系)(及)(金)(融)(机)(构)(的)(“健)(全)(性)(”。前)(者)(一)(般)(是)(要)(求)(已)(经)(纳)(入)(金)(融)(监)(管)(的)(机)(构)(进)(行)(更)(多)(的)(信)(息)(披)(露)(,例)(如)(利)(率)(及)(服)(务)(费)(,但)(对)(于)(现)(金)(贷)(,目)(前)(的)(重)(点)(在)(于)(“机)(构)(健)(全)(性)(”监)(管)(。
金)(融)(机)(构)(的)(健)(全)(性)(监)(管)(顾)(名)(思)(义)(就)(是)(对)(其)(是)(否)(健)(全)(可)(靠)(进)(行)(监)(管)(。现)(金)(贷)(等)(金)(融)(机)(构)(健)(全)(性)(监)(管)(主)(要)(有)(三)(个)(方)(面)(:一)(是)(准)(入)(限)(制)(,即)(对)(金)(融)(中)(介)(机)(构)(的)(设)(立)(必)(须)(实)(施)(严)(格)(的)(管)(理)(,希)(望)(设)(立)(金)(融)(中)(介)(机)(构)(的)(个)(人)(或)(组)(织)(必)(须)(从)(政)(府)(获)(取)(牌)(照)(,只)(有)(那)(些)(信)(誉)(良)(好)(且)(初)(始)(投)(入)(大)(量)(资)(金)(的)(个)(人)(或)(企)(业)(才)(能)(得)(到)(牌)(照)(,避)(免)(“空)(手)(套)(白)(狼)(”等)(情)(况)(发)(生)(。其)(次)(,信)(息)(披)(露)(,金)(融)(中)(介)(机)(构)(要)(受)(到)(十)(分)(严)(格)(的)(报)(告)(制)(度)(,特)(别)(是)(其)(财)(务)(账)(簿)(要)(受)(到)(定)(期)(审)(查)(,还)(要)(向)(公)(众)(公)(开)(某)(些)(信)(息)(,例)(如)(年)(化)(利)(率)(等)(情)(况)(。第)(三)(,资)(产)(和)(业)(务)(活)(动)(、利)(率)(要)(受)(到)(限)(制)(。例)(如)(现)(金)(贷)(不)(得)(向)(大)(学)(生)(放)(贷)(、借)(款)(利)(率)(的)(上)(限)(等)(。同)(时)(,还)(要)(对)(其)(资)(产)(杠)(杆)(率)(进)(行)(限)(制)(,以)(降)(低)(其)(金)(融)(风)(险)(。
金)(融)(机)(构)(是)(否)(健)(全)(可)(靠)(是)(金)(融)(体)(系)(监)(管)(的)(最)(基)(础)(性)(前)(提)(,甚)(至)(可)(以)(说)(一)(切)(金)(融)(监)(管)(手)(段)(或)(原)(则)(都)(是)(从)(“机)(构)(健)(全)(性)(”开)(始)(的)(,而)(现)(金)(贷)(所)(暴)(露)(的)(畸)(形)(超)(高)(利)(率)(、暴)(力)(催)(收)(、泄)(露)(用)(户)(隐)(私)(等)(乱)(象)(的)(根)(源)(在)(于)(缺)(乏)(起)(码)(的)(“机)(构)(健)(全)(性)(”。因)(此)(,现)(金)(贷)(的)(监)(管)(核)(心)(在)(于)(强)(化)(“机)(构)(健)(全)(性)(”监)(管)(。(作)(者)(系)(财)(政)(部)(中)(国)(财)(政)(科)(学)(研)(究)(院)(应)(用)(经)(济)(学)(博)(士)(后)(盘)(和)(林)(
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