幸运飞艇不贪稳赚

存管银行白名单公布 投资人要注意的问题有哪些?

作者:小柠类型:整合 发布时间:2018-11-01 08:30

幸运飞艇不贪稳赚 9YUE20RI,ZHONGGUOHUJINXIEHUIFABULEWANGDAIPINGTAICUNGUANYINXINGSHOUPIBAIMINGDAN。ZHEIYIWEIZHEWANGDAIXINGYEZHENGZAIBUDUANHUIDAOZHENGGUI,CUNGUANYINXINGTONGGUOCEPINGYEJITOUZIZHEZHUQILEYIDAOFANGHUOQIANG。NEIMEZUOWEITOUZIZHE,CHULECUNGUANYINXINGBAIMINGDAN,HAIXUYAOZHUYINAXIEWENTI?

存管银行白名单公布 投资人要注意的问题有哪些?

一、白名单测评的意义

GENJU《WANGLUOJIEDAIZIJINCUNGUANYEWUZHIYIN》HEZHONGGUOHUJINXIEHUIFABUDEXILIEBIAOZHUN,CUNGUANYINXINGZAICUNGUANZHONGDEZHUYAOZHIZESHILVXINGWANGDAIZIJINCUNGUANZHUANYONGZHANGHUDEKAILIYUXIAOHU、ZIJINBAOGUAN、ZIJINQINGSUAN、CAIWUHEDUI、TIGONGXINXIBAOGAOHEYEWUSHENCHADENGZHIZE。JIANLIZIJINCUNGUANZHIDUDEMUDEZHUYAOTONGGUOSHANGYEYINXINGZAIZHANGHUGUANLI、QINGSUANDENGZIJINLIUZHUANHUANJIEDENGFANGMIANJINXINGJIANDUYIJIYOUXIAO、KEXINDEZIJINBAOGAOJIZHI,YOUXIAOFANGFANKEHUZIJINNUOYONGFENGXIAN,JISHIZAICHUFENGXIANDESHIHOU,CUNGUANYINXINGYEKEYIJISHISHISHIZIJINZHANGHUDONGJIE,QIDAOJIANSHAOSUNSHIDEZUOYONG。

因此,银监会对网贷存管银行的准入具有一定的标准,既要满足监管的要求,同时也要兼顾用户体验,如果想要通过测试,需要一定的技术能力和技术投入,更需要具备存管的意愿。对存管银行的测评主要分为自测、机构测评及专家现场测试三个阶段。
1、自测阶段
一般在商业银行申请后,根据中国互金协会的标准规范,先自行测试和整改;
2、机构测评阶段
由存管银行向中国互金协会申请协会委托的专业测评机构进场测评;
3、专家现场测评阶段
幸运飞艇不贪稳赚 由中国互金协会的专家、当地监管机构专家以及业界同行专家三方构成,以保障专家测评的权威性。在每个阶段,中国互金协会还会不断提出整改反馈,完成整改后方能进入下一阶段。整个测评过程还是比较严谨和严格的。

幸运飞艇不贪稳赚 GUCI,CUNGUANYINXINGTONGGUOBAIMINGDANCEPINGZHISHAOSHUOMINGCUNGUANYINXINGJUBEILEJISHUTOURUDEYIYUANHEYIDINGDEJISHUNENGLI,ERQIEYIJINGTOURULEXIANGDANGDEZIYUAN,BINGQIEFUHEZHONGGUOHUJINXIEHUIDEXIANGGUANBIAOZHUN。TONGSHI,CUNGUANYINXINGZAISHAIXUANPINGTAIDESHIHOUYIBANHUIYOUYIDINGDEZHUNRUBIAOZHUN,YEHUIJINXINGXIANCHANGJINDIAOHEYEWUSHENCHA,ZHEIXIEGONGZUOWUYIDENGYUWEIWANGDAICHUJIERENJINXINGLEYIDINGCHENGDUDEBAGUANHESHAICHA。YINCI,YINXINGCUNGUANSHIWANGDAICHUJIERENSHENSHIPINGTAIHEGUIXINGHEANQUANXINGDEYIGEZHONGYAOFANGMIAN。CHULECUNGUANYINXINGBAIMINGDAN,NIHAIXUYAOQINGCHUZHEIXIEWENTI。

二、同是存管,差异悬殊

DIYIPIJINRUBAIMINGDANDE25JIACUNGUANYINXINGQISHICHAYIFEICHANGDA:CONGCUNGUANYINXINGGUIMOSHANGLAISHUO,JIYOUXIANGJIANSHEYINXINGZHEIYANGZICHANGUIMOCHAOGUO8WANYI(1WANYIMEIYUAN)YISHANGDEDIYITIDUIYUZHOUDAXING,YEYOUXIANGZHAOXING、PINGAN、MINSHENG、GUANGFAZHEIYANGZICHANGUIMOZAI1-8WANYIZHEIYANGDEDIERTIDUIDAXINGYINXING,HAIYOUZICHANGUIMOZAI3000YI-1WANYIDEDISANTIDUIZHONGXINGYINXING,GENGYOUXIANGYIBINSHANGXING、XINWANG、BAIXINYINXINGZHEIYANGZICHANGUIMOZAI2000YIYUANYIXIADEXIAOXINGYINXINGHEXINXINGYINXING。

幸运飞艇不贪稳赚 CONGGEJIAYINXINGXUANZEDECEPINGYANGBENPINGTAILAIKAN,SUIRANXIANCUNSHIXIANYINXINGCUNGUANDEPINGTAISHULIANGCHAOGUO400JIA,DANGEJIAYINXINGZAIXUANZECEPINGYANGBENPINGTAIDESHIHOUZHIHUIGENGJIAJINSHEN,YANGBENPINGTAIBIXUYOUCHONGZUDEJISHULILIANG,YEWUHEGUICHENGDUYAOHAO,ERQIEHAIYAOJINGGUOLVSHISHIWUSUODESHENCHA,BINGCHUJUHEGUI《HECHABAOGAO》。

三、存管银行受多因素制约

CUNGUANYINXINGSHICHIPAIJINRONGJIGOU,YINCISHOUDAOJIANGUANJIGOUDEYANGEJIANGUANHEGANYU;CUNGUANYINXINGYOUSHIQIYEZUZHI,YOUYAOSHOUDAOQIYETEXINGDEZHIYUE。GAIKUOQILAI,CUNGUANYINXINGDEJUECEHUISHOUDAOYIXIAYINSUDEZHIYUE:

幸运飞艇不贪稳赚 1、DIFANGJIANGUANJIGOUDECHIDUHETAIDU

SUIRANYINBAOJIANSANLINGWUSHENYAOQIUYINXINGZHUDONGSHISHICUNGUAN,CHENGDANSHEHUIZEREN,ZHICHIXIAOWEIQIYEFAZHAN,DANDIFANGJINRONGJIANGUANJIGOUDESHOUYAOZHIZEWANGWANGSHIFANGFANDANGDIXITONGXINGJINRONGFENGXIAN,WANGDAICUNGUANDUIYUDIFANGJIANGUANJIGOULAISHUO,WANGWANGSHIFENGXIANDAYUSHOUYI,YINCI,GEDIJIANGUANJIGOUDUIYUDANGDIYINXINGSHISHICUNGUANDECHIDUHETAIDUCHAYIJUDA,GUERJIYUDANGDIYINXINGSHIJIADEYALICHABIEYEHENDA

2、DUIYUSHENGYUFENGXIANDEDANYOUCHENGDU

幸运飞艇不贪稳赚 3、SHICHANGJINGZHENG、ZISHENZHANLVEHEYINXINGDUIYUZISHENTOURUCHANCHUDEFENXIPANDUAN

幸运飞艇不贪稳赚 ZHEILIYAOSHUOMINGDESHI,CUNGUANYINXINGDUIYUSHISHICUNGUANDELIYI,JUEDUIBUJINJINSHIJIERUFEIYONG、CUNGUANNIANFEIHEZIJINCHENDIANSHOUYIZHEIMEJIANDAN,CUNGUANHAINENGWEICUNGUANYINXINGDAILAIDALIANGDEZHENSHILINGSHOUYONGHU,WEIQIJIANGLAIKAIZHANJIAOCHAXIAOSHOU,ZOUXIANGKEJIHUA、ZHINENGHUA、SHIXIANZHANLVESHENGJI,TIGONGYONGHUHESHUJUZHUNBEI;

4、YINXINGGUDONGHUI、DONGSHIHUIHEGUANLICENGDENGZHILIJIGOUDUIYUCUNGUANFENGXIANDERONGRENDUHETAIDUDEJIANDINGCHENGDU。

四、银行存管≠100%合规和安全

YINXINGCUNGUANLE,SHIBUSHIYIWEIZHEWANGDAIPINGTAIWANQUANHEGUIHEANQUAN?DAANSHIBUYIDING。YINXINGCUNGUANSHIPINGTAIHEGUIXINGHEANQUANXINGDEYIGEZHONGYAOFANGMIAN,DANSHIBIXUSHUOMINGDESHI,CUNGUANYINXINGSHISHIDESHENCHAHEBAGUANJUBEIYIXIAZHONGDAJUXIANXING:

幸运飞艇不贪稳赚 1、DUIDANGEBIAODESHISHIDEZHISHIXINGSHIHEGUISHENCHA,CUNGUANYINXINGBINGBUCANYUWANGDAIPINGTAIDERENHESHIJIJINGYING,YINCI,CUNGUANYINXINGWUFAYOUXIAOFANGFANWANGDAIPINGTAITONGGUOJIABIAOSHISHIQIZHAHUOZIRONGDEXINGWEI,YEWUFAPANDUANDANGEJIEKUANZHUTIDEHAIKUANNENGLIHEHAIKUANYIYUAN;

2、CUNGUANYINXINGSHISHIDESHENCHAWANGWANGSHIJINGTAIDE,WANGWANGSHIZAIKAISHIZHUNRUDESHIHOUJINXINGCHUBUSHENCHA,HOUXUZHISHISHIDICHAKANDENG,ERWANGDAIJINGYINGDEFENGXIANQUESHIDONGTAIDE,YINCI,CUNGUANYINXINGWUFAZUODAODONGTAIFENGXIANJIANKONG;

3、YOUYUSHICHANGSHANGCUNZAIGEZHONGXINGSHIDEFENGXIANDUICHONGJIZHIHEHUANSHIJIZHI,CUNGUANYINXINGDUIYUPINGTAIZHENGTIZICHANZHILIANGDESHUJUJIANKONGYESHIYOUXIANDE;

4、WANGDAIPINGTAIDEFENGXIANSHIDUOFANGMIANDE,BAOKUOCAOZUOXINGFENGXIAN(HANDAODEFENGXIANDENG)、XINYONGFENGXIAN、LIUDONGXINGFENGXIAN、JINGYINGFENGXIAN、ZHENGCEFENGXIANDENG,YOUYUCUNGUANYINXINGBINGWEIJIERUSHIJIJINGYING,CUNGUANYINXINGDUIPINGTAIDEZHUNRUSHENCHASHIPIANMIANDE;

5、WANGDAIXINGYEZAIQUANSHIJIEFANWEINEIDOUSHIXINXIANSHIWU,YINXINGJIGOUDUIYUWANGDAIFENGXIANDERENSHIHAIYOUYIGESHENRUDEGUOCHENG,DUIYUPINGTAIDECHIXUJINGYINGNENGLISHANGQUEFAPANDUANKUANGJIAHEBIAOZHUN,DUIYUPINGTAIDESHENCHASHOUDUANHAICUNZAICHUANTONGDE“CHUSHENHUOBEIJING”GUANNIAN,SHENZHICUNZAIFENGXIANYANEDENGZHUDUOPIANJIAN。YINCI,CUNGUANYINXINGDUIYUWANGDAIPINGTAIDEFENGXIANPANDUANWEIBIDOUSHIZHUNQUEDE,ZHEIYESHIJUEDADUOSHUCUNGUANYINXINGDOUFASHENGGUOPINGTAIBAOLEIDEYUANYIN。

JIANYUCUNGUANYINXINGDEYEWUSHENCHA、ZIJINJIANKONGCUNZAIXINGSHISHENCHA、JINGTAI、FEIQUANBIHUAN、PIANMIANDEQINGKUANG,CUNGUANYINXINGDUIYUWANGDAIJINGYINGFENGXIANDERENSHIYOUYIGETISHENGDEGUOCHENG,GUCI,CUNGUANYINXINGBINGMEIYOUNENGLISHISHIZHANGWOPINGTAIDEHEGUIHEANQUANQINGKUANG。YINCI,WANGDAICHUJIERENYIQUANMIANZONGHEZIJINCUNGUANHEQITAGEZHONGYINSUJINXINGZONGHEPANDUAN,ERBUKEZHIBAXIWANGJITUOZAIYIGEYINSUZHISHANG。

五、存管银行是否承担责任

YOUBUFENCHUJIERENHUIXUNWEN,WANYIPINGTAICHULEFENGXIAN,CUNGUANYINXINGSHIFOUFUZE?DAANSHIFOUDINGDE。

XIANCONGFALVFAGUI、ZIJINCUNGUANZHIDUDEMUDE、JIJINDENGCUNGUANSHIJIANDENGJIAODUFENXIRUXIA:

1、从法律法规层面来看

幸运飞艇不贪稳赚 《WANGLUOJIEDAIZIJINCUNGUANYEWUZHIYIN》DIERTIAOMINGQUEZHICHU,“CUNGUANREN(ZHU:ZHICUNGUANYINXING)KAIZHANWANGLUOJIEDAIZIJINCUNGUANYEWU,BUDUIWANGLUOJIEDAIJIAOYIXINGWEITIGONGBAOZHENGHUODANBAO,BUCHENGDANJIEDAIWEIYUEZEREN。”

2、从建立资金存管制度的主要目的来看

ZHUYAOSHIWEILEYOUXIAOFANGFANWANGDAIPINGTAINUOYONGKEHUZIJINDEFENGXIAN,DANCUNGUANYINXINGQUEWUFA、YEMEIYOUNENGLIFANGFANTONGGUOJIABIAOSHISHIQIZHAHEZIRONGDEXINGWEI,GENGWUFAZHUNQUEZHIDAOMEIGEJIEKUANKEHUFENGXIANDEDAXIAOYIJIPINGTAIZHENGTIZICHANZHILIANG。YINCI,CUNGUANYINXINGZHIXUYAOGENJUFALVFAGUIDEYAOQIUJINZHIJINZEJIKE,QUEMEIYOUYIWUCHENGDANPINGTAIFENGXIAN。

3、从证券和基金实践的存管实践来看

ZAIQUANSHIJIEFANWEINEI,JIJINHEGUPIAOJIBENDOUYAOQIUZIJINYOUYINXINGSHISHICUNGUAN,DANWULUNJIJINHAISHIGUPIAO,KUISUNDOUSHI“MAIZHEZIFU”,CUNGUANYINXINGMEIYOUCHENGDANSUNSHIDEYIWU。ZUIHOU,FANGUOLAISHUO,RUGUOSUOYOUYINXINGDOUYINDANXINCUNGUANZERENGUODAERJUJUESHISHICUNGUAN,ZUIZHONGSUNHAIDEHAISHIQUANTIXIANGGUANFANGDELIYI。

YINCI,CUNGUANYINXINGZHIYAOGENJUXIANGGUANFALVFAGUI,JINZHISHISHICUNGUANZEREN,QIEBUCUNZAIZISHENNUOYONGPINGTAICUNGUANZIJINDEQINGKUANG,CUNGUANYINXINGWUXUDUIPINGTAIFENGXIANCHENGDANRENHEZEREN。


金柠网P2P理财小贴士

幸运飞艇不贪稳赚 ZONGDELAISHUO,CUNGUANYINXINGBAIMINGDANDECHULU,NENGZAIYIDINGCHENGDUSHANGJITOUZIZHEZIJINANQUANDEBAOZHANG,BUGUOBINGBUNENGWANQUANBAOZHENGANQUAN。

 

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