Further filing: 25 banks were shortlisted for depository.

As an important part of filing acceptance, the first batch of white list of bank depository has been published. On the evening of September 20th, China Internet Finance Association published the evaluation of 25 banks that have passed the deposit and management system of personal peer-to-peer lending funds on the "National Internet Finance Registration and Disclosure Service Platform", which marked the official release of the first white list of bank deposits.

The 25 depository banks evaluated by the association are: Bank of Beijing, Minsheng Bank, Shanghai Pudong Development Bank, Langfang Bank, Wangxin Bank, Wuhan Zhongbang Bank, China Merchants Bank, Zheshang Bank, Shangrao Bank, Zhongguancun Bank, Zhejiang Tailong Commercial Bank, Ping An Bank, Huaxia Bank, Yibin Commercial Bank, Huarui Bank, baixin bank, Guangfa Bank, Xiamen Bank, Xiamen Rural Commercial Bank, Haikou Rural Commercial Bank and China.

This news is undoubtedly good news for the platforms deposited in the above 25 banks. In addition, in April this year, Guizhou Bank withdrew from the depository business, and 80% of the depository platforms were taken over by Shangrao Bank. In the future, many platforms in the online lending industry will face the problem of bank deposit substitution.

According to statistics, as of September 2 1, 20 18, * * there were 8 15 online lending platforms operating normally. The 25 white lists published this time * * * access 4 platforms14, accounting for 50.79% of the total number of online fund bank depository platforms. At present, there are 1 190 normal operating platforms in the whole industry, which means that only 34.79% of the platforms are online for bank deposit.

At the end of June last year 1 1, the online loan risk special rectification office and the China Mutual Fund Association issued the Notice on Evaluating the Deposit and Management of Peer-to-Peer Lending Funds to the online loan rectification offices of various provinces and cities and a number of banks. The notice pointed out that in the process of carrying out fund depository business, there are problems such as different standards for managing banks and inadequate implementation. In order to further promote the rectification and acceptance of the special rectification of online loan risks, the National Online Loan Remediation Office and the Association plan to carry out the evaluation of online loan fund depository business.

According to experts, the evaluation criteria for bank depository are very strict. This appraisal is mainly based on the depository business and technical standards set in the Guidelines for Interbank Lending Depository Business, the Specification for Personal Interbank Lending Depository Business of Internet Finance and the Specification for Interbank Lending Depository System of Internet Financial Institutions issued by CBRC in February 20 17. The process is divided into five rounds: the first round of self-examination.

It is reported that commercial banks that fail to meet the compliance level for the first time can submit the evaluation application again, and there is only one opportunity for re-evaluation, and they must submit it within 3 months from the date of receiving the notice of the evaluation result. This means that each bank can get two evaluation opportunities.

The online loan rating group noted that Jiangxi Bank, Huaxing Bank and Shang Hui Bank, which have more cooperation platforms, missed the first batch of bank depository whitelists. What is the specific reason? In this regard, after consulting the customer service of Jiangxi Bank, the online loan rating group said that it was "uninformed and has not received the relevant notice yet". Some experts in the industry told the online loan rating group that whether it can enter the first batch of depository white list is related to whether the bank depository system is designed according to the evaluation requirements.

As early as the end of March this year, the relevant person in charge of Jiangxi Bank once said, "At present, we have only completed the initial evaluation, the expert review has not yet been completed, and the first batch of white lists has not yet been completed." It can be judged that after half a year's docking, Jiangxi Bank finally failed to get the first batch of white list of bank depository, which is enough to prove that the transformation of bank depository system not only takes time, but also faces great challenges without affecting the existing business.

As the filing acceptance time approaches, the first batch of white lists of bank depository means that some online lending platforms will face the pressure of replacing depository banks in a short time, but the second batch of "white lists" of depository banks will be announced later, so investors are reminded that even if the platforms they invest in are not in the first batch of white lists, there is no need to worry about and wait for the publication of the second batch of white lists.

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