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北青报互联网金融风险的教训非常深刻
2020-01-07 23:46   来源:  www.weichemedia.cn   评论:0 点击:

北青报互联网金融风险的教训非常深刻互联网金融这几年的发展历程表明,金融科技是柄双刃剑,在增强金融体系

  互联网金融这几年的发展历程表明,金融科技是柄双刃剑,在增强金融体系适应性、普惠性的同时,可能使金融风险传导更加迅速、金融风险结构更趋复杂,给金融安全带来巨大挑战。应当更加明确,随着各种新型金融科技不断涌现,必须严防金融机构以新技术为外衣脱实向虚,必须时刻坚持金融服务实体经济的根本宗旨。

The development of Internet finance in recent years shows that financial technology is a double-edged sword, which enhances the adaptability and inclusiveness of the financial system at the same time, may make the financial risk transmission more rapid, the financial risk structure more complex, and bring great challenges to financial security. It should be made more clear that with the continuous emergence of various new financial technologies, it is necessary to strictly guard against the financial institutions taking the new technology as a cloak to the reality, and must always adhere to the fundamental purpose of the real economy of financial services.

  2020年中国人民银行工作会议近日在北京召开。会议总结2019年主要工作,分析当前经济金融形势,部署2020年重点工作。关于2020年工作,会议提出了七大重点方向,其中包括坚决打赢防范化解重大金融风险攻坚战。会议要求,持续开展互联网金融风险专项整治,基本化解互联网金融存量风险,建立健全监管长效机制。(相关报道见A9版)

The 2020 People's Bank of China Work Conference was recently held in Beijing. The meeting summarized the main work in 2019, analyzed the current economic and financial situation, and deployed the key work in 2020. On the work in 2020, the conference proposed seven key directions, including resolutely winning the battle to prevent and defuse major financial risks. The meeting called for a continuous special rectification of Internet financial risks, the basic solution of Internet financial stock risks, and the establishment and improvement of a long-term regulatory mechanism. (See A9 for related coverage)

  防范化解重大风险是决胜全面建成小康社会三大攻坚战的首要战役。金融风险是当前最突出的重大风险之一,打好防范化解重大金融风险攻坚战是当前金融工作的重中之重。2019年,面对国内外风险挑战明显上升的复杂局面,防范化解重大金融风险攻坚战取得关键进展。经过努力,宏观杠杆率过快上升势头得到有效遏制,影子银行治理成效明显,重点金融机构风险处置取得重大突破,互联网金融风险得到全面治理。此时,有关部门需要总结有关金融风险整治工作成效,监管部门及社会各界也需要认真汲取近几年各种金融风险尤其是互联网金融风险带来的深刻教训。

Preventing and defusing major risks is the first battle to win and build a well-off society in an all-round way. Financial risk is one of the most prominent major risks at present, and it is the most important part of the current financial work to prevent and defuse the major financial risks. In 2019, the complex situation of facing the obvious rise of domestic and foreign risk challenges has made key progress in preventing and defusing major financial risks. Efforts have been made to effectively curb the rising momentum of the macro-leverage rate, and the effectiveness of the governance of the shadow bank has been remarkable. At this time, the relevant departments need to sum up the effectiveness of the financial risk rectification work, and the regulatory authorities and all sectors of the community need to conscientiously learn the profound lessons brought by various financial risks in recent years, especially Internet financial risks.

  伴随着互联网技术发展,互联网金融迎来了一波大发展。互联网金融的常见业态包括互联网支付、互联网基金、互联网保险等,人们广泛使用的支付宝、微信钱包等都属于互联网支付。互联网金融极大提高了支付便利性,提高了社会运行效率,因此获得普遍认可。然而,我国互联网金融在取得快速进步的同时,部分从业机构法律意识、风险意识、消费者权益保护意识缺失,一些相关子行业的监管滞后于市场的发展和业态创新。在互联网金融兴起过程中,还有一些人打着金融创新幌子从事非法集资、传销、诈骗等违法犯罪活动。

With the development of Internet technology, Internet finance ushered in a wave of great development. The common forms of Internet finance include Internet payment, Internet fund, Internet insurance and so on, and the Alipay, WeChat wallet and so on widely used by people belong to Internet payment. Internet finance has greatly improved the convenience of payment and improved the efficiency of social operation, so it has been universally recognized. However, while China's Internet finance has made rapid progress, some institutions'legal consciousness, risk consciousness and consumer's rights and interests protection consciousness are missing, and the supervision of some related sub-industries lags behind the development of the market and the innovation of business form. In the rise of Internet finance, some people are engaged in illegal fund-raising, pyramid marketing, fraud and other illegal and criminal activities under the guise of financial innovation.

  以互联网金融名义实施的各类违法犯罪活动,行踪更加隐蔽,吸收资金速度更快、金额更大,危害更为严重。此前数量相当庞大的P2P网络借贷平台,是互联网金融风险爆发重灾区,过去一段时间,有大量P2P网贷平台接连“爆雷”,或倒闭、或“跑路”,导致一些参与者损失惨重。还有一些违法分子把传统投资理财模式装进互联网金融的“新瓶子”,短时间内非法集资涉案金额即达到数百亿元,受害者往往数以十万计。

All kinds of illegal and criminal activities carried out in the name of Internet finance are more concealed, the absorption rate is faster, the amount is greater, and the harm is more serious. Previous P2P online lending platform, which was a serious disaster area of Internet financial risk outbreak, had a large number of P2P online loan platforms in the past period of“detonation”, or went down, or“runningthe road”, causing some participants to suffer heavy losses. Other illegal elements put traditional investment and financial management mode into the``new bottle'' of Internet finance. In a short time, the amount of illegal fund-raising has reached tens of billions of dollars, and the victims are often hundreds of thousands of dollars.

  互联网金融监管不力,还导致“现金贷”“校园贷”一度肆虐,并引发暴力催收、超高费率、侵犯个人隐私等诸多严重问题。与虚拟货币相关的投机炒作,也是突出互联网金融乱象之一,相关非法金融活动导致风险快速聚集,严重扰乱经济金融和社会秩序。

Poor financial regulation of the Internet, but also lead to \"cash loans\" and \"campus loans\" once raging, and caused violent collection, high rates, invasion of personal privacy and many other serious problems. The speculative speculation related to virtual currency is also one of the prominent Internet financial chaos, and the related illegal financial activities lead to the rapid aggregation of risks and seriously disturb the economic, financial and social order.

  互联网金融风险让一些人付出巨大代价,相关教训非常深刻,需要我们认真总结和思考。互联网金融这几年的发展历程表明,金融科技是柄双刃剑,在增强金融体系适应性、普惠性的同时,可能使金融风险传导更加迅速、金融风险结构更趋复杂,给金融安全带来巨大挑战。反思互联网金融风险,应当更加明确,随着各种新型金融科技不断涌现,必须严防金融机构以新技术为外衣脱实向虚,必须时刻坚持金融服务实体经济的根本宗旨。

Internet financial risks let some people pay a huge price, the relevant lessons are very profound, we need to seriously sum up and think about. The development of Internet finance in recent years shows that financial technology is a double-edged sword, which enhances the adaptability and inclusiveness of the financial system at the same time, may make the financial risk transmission more rapid, the financial risk structure more complex, and bring great challenges to financial security. Reflecting on the Internet financial risks, should be more clear, with the emergence of various new financial technology, we must strictly prevent financial institutions from taking the new technology as a cloak, and must always adhere to the fundamental purpose of the real economy of financial services.

  随着互联网金融风险专项整治工作持续深入推进并取得显著成效,互联网支付、P2P网络借贷等方面存量风险得到化解,目前互联网金融风险得到全面治理,金融市场平稳运行,金融监管制度进一步完善,守住了不发生系统性金融风险的底线。此次,央行工作会议要求持续开展互联网金融风险专项整治,表明未来对互联网金融的监管必然是长期和长效的。

With the further development and remarkable results of the special rectification work on Internet financial risks, the stock risks of Internet payment and P2P network lending have been defused. This time, the central bank work conference calls for continuous Internet financial risk special regulation, indicating that the future regulation of Internet finance is bound to be long-term and long-term.

  必须警惕各种互联网金融乱象死灰复燃。不能因为存在风险就将互联网金融“一棍子打死”,但也决不允许不法之徒打着创新的旗号招摇撞骗。金融与科技融合发展方兴未艾,互联网金融监管任重道远。

There must be vigilance against the resurgence of Internet financial chaos. Internet finance cannot be \"killed\" because of the risks, but it is not allowed to cheat under the banner of innovation. The integration of finance and technology is in the ascendant, and Internet financial regulation has a long way to go.


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