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P2P公司停止交易的后续影响

我最近收到以下几个问题:

      若企业宣告停产,停业,或破产,投资者或借款人的钱该怎么办?      你觉得未来借款人的资金会很快被包含在赔偿计划内吗?

首先几乎在所有情况下,P2P贷款为借款人与一个或多个贷款人间的契约,它由一个中介(一个P2P公司)管理。 未借资金被单独设立在一个客户账户内,独立于P2P公司。如果中介P2P公司停止交易,合同仍然有效并可强制执行,但可能会出现的问题是,在大多数情况下,贷款人与借款人的身份不能向对方公布。

FCA法规定P2P企业要设立应急基金,用于支付那些公司已停止交易的贷款,但也不能保证足够支撑5年的贷款业务和追逐逾期付款。在Quakle崩盘的情况下,贷款人无法得到偿还金,但与其他公司一样,在大多数情况下,当他们得到借款人的偿还款后仍然执行可控的贷款人的资金回报率。

在之前与FCA的咨询过程中,我确实认为在P2P公司停产后贷款人的基金能被金融服务补偿计划覆盖。不幸的是,我相信业界极力反对这样,因为他们认为这样做将使成本高得惊人。P2P金融协会的P2P贷款在英国范围内占有很大比例,我建议他们该设立自己的应急计划,有效分担其承担的公司的失败贷款业务成本。

对于Be The Lender近期的暂停交易,现在还无法确定对贷款人的影响,但我敢肯定,FCA将监察相关情况,我们也会对此关注。

I was recently asked the following questions:

        What happened to investors/lenders money when companies listed as ceased trading or suspended or went off           line?        Do you think there may come a time soon when lenders money is covered by compensation scheme?

Firstly peer-to-peer lending, in virtually all cases, is a contract between a borrower and one or more lenders, which is managed by an intermediary (a peer-to-peer company). Unlent funds are segregated in a client account, separate from that of the peer-to-peer company. If the intermediary peer-to-peer company were to cease trading the contract is still valid and enforceable, but the difficulty that may occur is that in most cases, the lenders' and borrowers' identities are hidden from each other.

The FCA regulations required peer-to-peer companies to have a contingency fund which would pay for the administration of these loans after a company ceased trading, but there is no guarantee that this would be sufficient to run down a 5 year loan book and chase late payments. In the case of the collapse of Quakle, lenders were left out of pocket, but other companies did, and in most cases, still are performing a controlled return of lenders' funds when they are repaid from borrowers.

In the previous FCA consultation process I did argue for lenders funds to be covered by the FSCS in the unlikely event of a peer-to-peer company failing and where any contingency funds were insufficient for a controlled winding down. Unfortunately I believe the industry argued against this as they believed the costs for this would be prohibitive. I also suggested the members of the P2P Finance Association, who account for a very large percentage of the peer-to-peer loans arranged within the UK, should operate their own contingency scheme, in effect sharing the costs of one of the companies taking on the failed company's loan book.

Following the recent suspension of trading in Be The Lender, it is too early yet to ascertain what the impact to lenders will be, but I'm sure the FCA will be monitoring the situation, as will we.


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