央行出手治理移动金融APP 已划定四条红线

2019-02-07 13:00:24 作者: 孟凡霞 刘四红

SUIZHEJINRONGYEYIDONGJINRONGKEHUDUANYINGYONGRUANJIAN(YIXIAJIANCHENG“YIDONGJINRONGAPP”)BEIANSHIDIANGONGZUODEKAIQI,GUANYUYIDONGJINRONGAPPDEJIANGUANDINGCENGSHEJIYEFUCHUSHUIMIAN。BEIJINGSHANGBAOJIZHECONGZHIQINGRENSHICHUHUOXI,YANGXINGCIQIANYIXIANGBUFENJINRONGJIGOUDINGXIANGXIAFA《GUANYUFABUJINRONGXINGYEBIAOZHUNJIAQIANGYIDONGJINRONGKEHUDUANYINGYONGRUANJIANANQUANGUANLITONGZHI》(YIXIAJIANCHENG“TONGZHI”),12YUE5RI,BEIJINGSHANGBAOJIZHEHUOXILEGAITONGZHIQUANWEN。CONGTONGZHILAIKAN,YANGXINGDUIYIDONGJINRONGAPPANQUANWENTI,ZHUYAOCONGTISHENGANQUANFANGHU、JIAQIANGGERENJINRONGXINXIBAOHU、TIGAOFENGXIANJIANCENENGLI、JIANQUANTOUSUCHULIJIZHI、QIANGHUAXINGYEZILV5GEFANGMIANJINXINGLEGUANLIGUIFAN,BINGDUIBEISHOUGUANZHUDEGERENJINRONGXINXIBAOHUHUADINGLESIDAHONGXIAN。YOUFENXIRENSHICHENG,YANGXINGCICITONGZHIDUIJINRONGXINGYELAISHUOYIYIZHONGDA,JINHOUDUIYIDONGJINRONGAPPZHILI,JIANGUANJIANGZOUXIANG“SHIQIANDESHIQIAN”,YIQUEBAOBUQINFANXIAOFEIZHEQUANYI,BULANYONGXIAOFEIZHESHUJU。

划明四大红线

大乐透开机号ZAIYIDONGJINRONGAPPANQUANGUIFANZHONG,ZHENDUIGERENJINRONGXINXIXIELUWENTIDEZHENGSUYICHENGWEIZHONGZHONGZHIZHONG。BEIJINGSHANGBAOJIZHEZHUYIDAO,ZAIGERENJINRONGXINXIBAOHUFANGMIAN,YANGXINGCONGXINXISHOUJI、SHIYONG、CHUANSHU、CUNCHUDENGDUOGEHUANJIEZHONG,WEIGEJINRONGJIGOUHUADINGLESITIAOHONGXIAN。

SHOUXIAN,ZAISHOUJI、SHIYONGGERENJINRONGXINXISHI,YANGXINGMINGQUE,GEJINRONGJIGOUBUDEYIMOREN、KUNBANG、TINGZHIANZHUANGSHIYONGDENGSHOUDUANBIANXIANGQIANGPOYONGHUSHOUQUAN,BUDESHOUJIYUQITIGONGJINRONGFUWUWUGUANDEGERENJINRONGXINXI。TONGSHI,JINRONGJIGOUYINGCAIQUSHUJUJIAMI、FANGWENKONGZHI、ANQUANCHUANSHU、QIANMINGRENZHENGDENGCUOSHI,FANGZHIGERENJINRONGXINXIZAICHUANSHU、CUNCHU、SHIYONGDENGGUOCHENGBEIFEIFAQIEQU、XIELUHUOCUANGAI。ERZAIXINXISHIYONGJIESHUHOU,GEJINRONGJIGOUYINGLIJISHANCHUMINGANXINXI,ZAIKEHUDUANRUANJIANXIEZAIHOUBUDELIUCUNGERENJINRONGXINXI。CIWAI,JINRONGJIGOUBUDEWEIFANFALVFAGUIYUYONGHUYUEDING,BUDEXIELU、FEIFACHUSHOUHUOFEIFAXIANGTARUTIGONGGERENJINRONGXINXI。

DUICI,HANGZHOUDIANZIKEJIDAXUEJIAOSHOUXUWEIDONGZHICHU,DUIYUYIDONGJINRONGAPPDEHEGUIHUAQISHIMUBIAOHENMINGQUE,ZHUYAOSHICONGJINRONGCHANPIN、FENGKONGYUDAIHOUDEXUQIUCHUFA,XUNZHAO“ZUIXIAO”、“BIYAO”DEXINXIXIANG,RANHOUTIJIAOKEHUDUANKAIFACHUXIANGYINGDETIQUXINXIGONGNENG,ERBUSHIYIQIANDE、KEHUDUANYIGUNAOBANENGNADAODEXINXIDOUSAIDAOHOUDUANRUKU,ZAIKANNAGEXINXIKEYIYONGLAIJIAGONGBIANLIANG。

SUNINGJINRONGYANJIUYUANYANJIUYUANSUNYANGZEZHICHU,JINRONGXINGYEJIANGUANYIZHICHENGQUYANTAISHI,BAOKUOCONGJINRONGYETAIQIANGJIANGUAN、JINRONGKEJIQIANGJIANGUAN、JINRONGSHUJUQIANGJIANGUANDENGDUOFANGMIANLAIKAN,JUNZAIWENBUTUIJIN。ERCONGCICIGUIFANLAIKAN,YIDONGJINRONGAPPJIANGUANYIZOUXIANGSHENSHUIQU,HOUQIJIANGUANYIDINGHUIJIANGGERENXINXIBAOHU、YIDONGJINRONGAPP、JINRONGSHUJUDENGDOUNARUFEIXIANCHANGJIANCHADEZHONGYAOFANCHOU。

首批23家机构参与备案试点

ZHIDEGUANZHUDESHI,ZHENDUIYIDONGJINRONGKEHUDUANYINGYONGRUANJIANANQUANGUANLI,ZHONGGUOHULIANWANGJINRONGXIEHUI(YIXIAJIANCHENG“XIEHUI”)YEYIKAISHIXINGDONG。12YUE3RI,XIEHUIZAIJINGZHAOKAIYIDONGJINRONGAPPBEIANGUANLIGONGZUOSHIDIANQIDONGHUIYI。HUIYIMINGQUE,GESHIDIANJIGOUYINGYU2019NIANDIQIANWANCHENGSHOUPISHIDIANBEIANSHENQING。

大乐透开机号XIAYIBU,XIEHUIJIANGHUIZAIQUANGUOFANWEINEIFENPICIZUZHIKAIZHANAPPBEIANTUIGUANG,BINGZHUBULUOSHIFENGXIANXINXIGONGXIANG、TOUSUCHUZHIJIZHIYIJIXINGYEGONGYUE、HEIBAIMINGDAN、ZILVJIANCHA、WEIGUIYUESHUDENGZILVGUANLIGONGZUO。

SHIDIANQIDONGHUISHANG,YANGXINGKEJISISIZHANGLIWEIZHICHU,ZHENDUIDANGQIANYIXIEJINRONGJIGOUKEHUDUANRUANJIANCUNZAIDEANQUANFANGHUNENGLICANCHABUQI、CHAOFANWEISHOUJIGERENXINXI、FANGMAODIAOYUXIANXIANGTUCHUDENGWENTI,GEJINRONGJIGOUYAOJIANLIKEHUDUANRUANJIANANQUANGUANLIQUANCHENGFUGAIJIZHI,XIANGGUANBUMENYAOJIANLIJIANQUANKEHUDUANRUANJIANJIANDUCHUZHIJIZHI。

大乐透开机号BEIJINGSHANGBAOJIZHECONGXIANGGUANZHIQINGRENSHICHUHUOXI,BENCIBEIANSHIDIANZHUYAOBENZHEJIGOUZIYUANSHENQINGDEYUANZE,SHOUPICANYUYIDONGJINRONGAPPBEIANSHENQINGDEYOULAIZIYINXING、ZHENGQUAN、JIJIN、BAOXIAN、ZHIFUDENGLINGYUDE23JIASHIDIANJIGOU,MUQIANXIEHUIYICHUJUTISHIDIANFANGAN。GAIRENSHITUICE,“CONGSHOUPISHENQINGJIGOULEIXINGLAIKAN,MUQIANZHUYAOSHICONGCHIPAILEIJINRONGJIGOUKAISHISHIDIAN,HOUXUXIEHUIHUOJIANGGENJUSHIDIANQINGKUANG,JINYIBUWANSHANBEIANLIUCHENG,TONGYIXINGYEBIAOZHUNHEBEIANGUIZE,CONGERJINYIBUJIANGBEIANFUGAIZHIGENGDUOJINRONGYEWULEIXINGCONGYEJIGOU。”

大乐透开机号“SHIDIANYISHIDUIXINGYELAISHUOWUYISHIYIDALIHAO,YIFANGMIANYOULIYUXINGCHENGXINGYEBIAOGANXIAOYING,LINGYIFANGMIAN,BUFENBUGUIFANDEGONGSIYEHUIANZHAOXIANGYINGYAOQIUJINXINGZHENGGAI。”LINGYIYANJIUYUANYUANZHANGYUBAICHENGZAIJIESHOUBEIJINGSHANGBAOJIZHECAIFANGSHIZHICHU,JINGUANSHOUPISHIDIANWEICHIPAIJIGOU,DANBUFAHOUQIHUITUOZHANZHIHULIANWANGJINRONGLEIGONGSI,ZHIYAOYOUJINRONGXIANGGUANYEWUDEYIDONGAPP,DOUYINGGAIHUISHOUDAOTONGYANGDEGUIFAN。

SUNYANGTONGYANGZHICHU,CIQIANYIDONGJINRONGAPPZAISHICHANGSHANGKAIZHANQISHISHIJIAOWEIWUXUDE,QUEFAQUANMIANZHILI,CICIGUIFANDEXIAFAHESHIDIANDEQIDONG,DUIYUJINRONGAPPZHILILAISHUO,KEYICHENGZHIWEIYIGELICHENGBEISHIDESHIJIAN,CIHOU,BUDANCONGSHIJINRONGYEWUXUYOUXIANGYINGXUKE,ZAIHUOQUYONGHUXINXISHIYEXUZUNSHOUXIANGYINGGUIFAN,TONGSHIDUIYONGHUXINXIDEBAOCUN、SHIYONG、LIUZHUANDENG,DOUXUZAIJIANGUANFANCHOUXIAJINXING,YOULIYUCONGJINRONGGONGJICECENGMIAN,DUIYIXIEFEIFAJINRONGXINGWEIJINXINGYOUXIAOCHUQING。

“顽疾”何解?

ZHIDEZHUYIDESHI,ZHENDUIBUFENYIDONGJINRONGAPPANQUANWENTI,JIANGUANCHUJIAQIANGSHENHEGUIFANWAI,TONGSHIYEJIADALEDUIWEIGUIXINGWEIDEDAJILIDU。12YUE4RI,GUOJIAWANGLUOANQUANTONGBAOZHONGXINGUANFANGPILU,2019NIAN11YUEYILAI,QUANGUOGONGANJIGUANWANGANBUMENYIJIZHONGCHACHUZHENGGAI100KUANWEIFAWEIGUIAPPJIQIYUNYINGDEHULIANWANGQIYE。BEIJINGSHANGBAOJIZHEZHUYIDAO,BEICHACHUXIAJIAZHENGGAIDEBAIKUANAPPZHONG,YINXINGHEDAIKUANDENGJINRONGLEIAPPWEI“ZHONGZAIQU”,QIZHONGBUFAGUANGDAYINXING、TIANJINYINXINGDENGCHIPAILEIJINRONGJIGOU。

大乐透开机号BUGUO,GUANGDAYINXINGHUIYINGCHENG,GAODUZHONGSHITISHENGKEHUTIYANYUKEHUYINSIXINXIBAOHUGONGZUO,QIESHIBAOZHENGYONGHUGERENXINXIANQUAN,MUQIANTISHIDEYONGHUYINSIZHENGCETIAOKUANFUHEXIANGGUANYAOQIU。SHOUJIYINXINGAPPYIZHIZHENGCHANGYUNXING,CONGWEITINGZHIGUOFUWU。TIANJINYINXINGZAIGUANWANGFABUSHENGMINGCHENG,JIEZHIMUQIAN,WOXINGWEISHOUDAORENHEXINGZHENGJIGUANYAOQIU“TIANJINYINXINGSHOUJIYINXINGAPP”XIAJIADEGUANFANGTONGZHI,“TIANJINYINXINGSHOUJIYINXINGAPP”ZHENGCHANGMIANXIANGGONGZHONGTIGONGXIAZAI、GENGXIN、SHIYONGDENGFUWU。

YIDONGJINRONGAPPLVXIANWEIGUI,JUTIRUHEPOTI?DUOWEIJIESHOUBEIJINGSHANGBAOJIZHECAIFANGDEYENEIRENSHIYIZHIRENWEI,YAOGENZHIJINRONGXINGYEAPP“WANJI”SHIYICHANG“CHIJIUZHAN”,RENGXUJIANGUANFANG、YINGYONGSHANGDIANYUNYINGZHE、APPYUNYINGFANGDENGDUOGUANQIXIA、DUOFANGCANYUZHILI。

ZHONGGUOMINSHENGYINXINGYANJIUYUANYANJIUYUANGUOXIAOBEIZHICHU,CHULEJIANGUANBUMENCHIXUJIADAAPPZHILILIDUWAI,GEJINRONGJIGOUYEYINGYANGEANZHAOGUIFANYAOQIU,GOUJIANQUANLIUCHENGANQUANGUANKONGTIZHI,FUGAIAPPRUANJIANKAIFA、FABU、SHIYONG、WEIHUDENGQUANSHENGMINGZHOUQI,DUIYUWANGLUOGONGJI、XINXIXIELUDENGXINGWEI,YINGCAIQUXIANGYINGCUOSHIYUYIDAJI,QUEBAOXITONGPINGWENYUNXING。ERDUIYUJINRONGKEJIGONGSIERYAN,ZEYINGCONGZAIRUANJIANSHEJIQIANJIUZHUNQUE、CHONGFENPINGGUXIANGGUANFENGXIAN,ZHIRUANQUANCHENGXUJINAPPXITONG,ZAISHIYONGQIANJINXINGDUOCIMONISHIYAN。

ZAISUNYANGKANLAI,XIAYIBUYIDONGJINRONGAPPZHILITUIJINZHONGDIAN,RENGYAOYANBASHENHEGUAN。MUQIANSHISHENQINGBEIANJIEDUAN,HOUQIYINGBAHAOYUANTOUSHENHEGUAN,BIRUYINGYONGSHANGDIANYUNYINGZHEHUOXIANGYINGWANGZHANYINGLVXINGHAOPINGTAISHENHEZEREN,PEIHEJIANGUANBUMENHUOZILVXIEHUI,DUIJINRONGAPPCONGYEZIZHI、YEWUHEGUIXINGDENGJINXINGSHENHE。

“CHULAIHUNZONGSHIYAOHAIDE,CONGYEZHERUOWEIGUISHIYONGGERENXINXI,KENDINGYAOCHENGDANFALVZEREN。YINCIJIANYIJINRONGJIGOUHEHUJINQIYE,WUBIZUNSHOUJIANGUANGUIDING,XUEXIFALVZHISHI,PEIHEXIEHUIHEJIANGUAN,HOUQIZUOHAOXIANGYINGBEIAN。BAOKUOZAIGEZIAPPDEKAIFA、SHANGJIA,YIJISHUJUBAOCUNDENGFANGMIAN,DOUYINGJIANLIYIGEGENGJIAYANGEDELIUCHENGHEZHIDU。CIWAI,HAIYAODUIAPPKAIFARENYUANYUNYINGRENYUANDENGZUOHAOXIANGYINGPEIXUN,YIZUODAOHEFAHEGUI。” SUNYANGCHENG。