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2月23日,银监会发布《网络借贷资金存管业务指引》(下称《指引》),要求存管人即商业银行,不对网络借贷交易行为提供保证或担保,不承担借贷违约责任。《指引》明确了网贷资金存管业务的定义,明确了网贷机构资金存管业务流程、职责,对存管人也提出了相应的门槛。“目前,专项整治工作摸底排查阶段已经结束,资金存管落实不到位的问题比较突出。”银监会相关负责人表示,《指引》作为“办法”落地实施的重要配套制度之一,形成
On February 23, the CBRC promulgated the “Guidance on the Depository of Online Lending Funds” (hereinafter referred to as the “Guideline”), requiring the depositary, or commercial bank, not to provide any guarantee or guarantee for online lending transactions and to assume no responsibility for the loan default. The Guidelines set out the definition of net loan funds depository business, clarified the net loan business fund depository business processes and responsibilities, and put forward corresponding thresholds for depositors. “At present, the rectification work of the special rectification phase has ended, the problem of inadequate implementation of capital deposit control is outstanding.” The relevant person in charge of the China Banking Regulatory Commission said that “Guidelines” is one of the important supporting systems for the implementation of the form