張舒婷

The central bank is likely to announce rules covering the fast-growing Internet finance sector by midyear， a member of the Chinese People's Political Consultative Conference said Monday.

“The central bank has arranged several meetings involving banking， insurance and securities regulators，” said the anonymous CPPCC member， who has knowledge of the discussions.

Regulations are crucial for the industry's development， according to Li Daokui， a Tsinghua University professor and former central bank adviser. “There must be reserves for Internet financing products， and specific regulations and customer protections are needed.”

According to Liao Min， director-general of the China Banking Regulatory Commission's Shanghai Office， it's important that the regulations reduce risks connected with the rapidly growing sector.

Deposits with Yu'ebao， a popular online financing product， hit 400 billion yuan（$65.6 billion）on Feb 14， up from 250 billion yuan on Jan 15， according to Zhou Xiaoming， vice-general manager of Tianhong Asset Management Co.

Yu'ebao was formed through a partnership between Tianhong and the Internet giant Alibaba Group.

Regulations for online financial companies should be in line with those of the traditional financing industry， such as prudential supervisory requirements， information disclosure and customer protection requirements， Liao said.

He added that establishing a clear and efficient dispute resolution mechanism in line with international practices between customers and online financing entities is also essential.

Li Kemu， vice-chairman of the China Insurance Regulatory Commission， said that more licenses will be gradually granted to online insurance companies.

At present， there is only one online insurance company. But regulators will slowly ease access to the market， according to Li， a member of CPPCC.

As of the end of last year， 60 insurance firms in China had expanded to online sales channels， up 46 percent from two years earlier， according to a report by the insurance regulator.

中國(guó)人民銀行整頓網(wǎng)上金融

中國(guó)人民政治協(xié)商會(huì)議全國(guó)委員會(huì)委員周一表示，央行可能宣布截止到年中，將會(huì)出臺(tái)覆蓋迅速發(fā)展的互聯(lián)網(wǎng)金融行業(yè)規(guī)則。

一位匿名政協(xié)委員，獲悉相關(guān)討論之后說(shuō)“央行已安排涉及銀行，保險(xiǎn)和證券監(jiān)管部門(mén)的多次會(huì)議?！?/p>

法規(guī)對(duì)行業(yè)的發(fā)展是至關(guān)重要的，據(jù)清華大學(xué)教授，前央行顧問(wèn)李稻葵介紹“互聯(lián)網(wǎng)融資產(chǎn)品必須有儲(chǔ)備，并且需要特定的法規(guī)和對(duì)客戶(hù)的保護(hù)”。

據(jù)中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)上海辦事處處長(zhǎng)廖岷稱(chēng)，“針對(duì)發(fā)展迅速的行業(yè)建立降低風(fēng)險(xiǎn)的法規(guī)是很重要的?！?/p>

據(jù)天弘基金管理有限公司副總經(jīng)理周小明稱(chēng)，余額寶存款是一個(gè)很受歡迎的網(wǎng)上融資產(chǎn)品，自1月15日上線以來(lái)收益就達(dá)到了2500億元人民幣，2月14日增至4000億人民幣，折合656億美元。

余額寶是天弘與互聯(lián)網(wǎng)巨頭阿里巴巴合作成立的。廖岷說(shuō)，互聯(lián)網(wǎng)金融公司相關(guān)法規(guī)應(yīng)該與傳統(tǒng)金融行業(yè)保持一致，例如審慎監(jiān)管要求，信息披露以及客戶(hù)保護(hù)要求等。

他補(bǔ)充說(shuō)，依據(jù)國(guó)際慣例，在與客戶(hù)和網(wǎng)上融資機(jī)構(gòu)之間建立一個(gè)明確而有效的爭(zhēng)端解決機(jī)制也是必不可少的。

中國(guó)保險(xiǎn)監(jiān)督管理委員會(huì)副主席李克穆表示，將逐漸向網(wǎng)上保險(xiǎn)公司簽發(fā)更多的許可證。

目前，只有一個(gè)網(wǎng)上保險(xiǎn)公司。依全國(guó)政協(xié)委員李克穆稱(chēng)，但監(jiān)管機(jī)構(gòu)會(huì)慢慢放寬市場(chǎng)準(zhǔn)入。

據(jù)保險(xiǎn)機(jī)構(gòu)發(fā)布的報(bào)告稱(chēng)，截至去年年底，中國(guó)60家保險(xiǎn)公司已經(jīng)擴(kuò)展至網(wǎng)上銷(xiāo)售渠道，比兩年前上漲了46%。