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印度监管机构对替代借贷合法性表示质疑

9月9日,有报道称印度证监会在其月初发布的公告中对该国替代借贷市场施压。

初创公司用以筹措资金的资产众筹平台的合法性正遭到印度证监会的质疑。报道称目前仍在运营当中的这类平台包括:Grex、LetsVenture、Euquity Crest、Tracxn和Termsheet等

据称,印度证监会在公告中告诫Grext停止招揽新投资方。

公告指出:“利用数字平台推进融资并未得到任何证券法规的认可或批准。此类平台对所有注册者开放,这有违《证券合同法》及《公司法》(the Securities Contract Act and the Companies Act)。

监管者补充道只有获经法律认可的证交所才能进行电子平台服务,企业证券只能在这类平台上挂牌交易。

Termsheet就是一个替代借贷平台,该平台的创始人Vivek Durai回应称,政府应支持扶植初创企业的行动。

Vivek  Durai表示:“若莫迪政府决心扶助初创企业,那么就应确保初创公司筹集资金或帮助其募集资金的平台不受干扰。”

印度对替代借贷市场合法性的质疑也许反应了全世界监管者的普遍情绪。各地监管者都开始着手调查替代借贷行业。

比如,美国就发布了《初创期企业推动法案》(又称《JOBS法案》)第四章A+条例(Regulation A+)细则。该条例言明美国证券交易委员会允许企业通过“迷你IPO”募集最高5000万美元的资金,也允许普罗大众直接投资公司,购买股权。

然而,包括美联储在内的美国监管方却也开始制定法规加紧对另类借贷市场的管控。但是即便制定法规也有别于A+条例适用的经济活动。

The Securities and Exchange Board of India (SEBI) is placing pressure on the nation’s alternative lending space in a notice issued earlier this month, reports said on Friday.

SEBI is questioning the legality of equity crowdfunding platforms that startups use to raise funds. Reports said there are several of these platforms in operation today, including Grex, LetsVenture, Equity Crest, Tracxn and Termsheet.

In its notice, SEBI has reportedly told Grex Alternative Investments Market to stop “onboarding” new investors.

“Electronic platforms facilitating fundraising on digital platforms are neither authorized nor recognized under any law governing the securities market,” the note stated. “Such platforms, which are open to all investors registered on the platform, amount to a contravention [of the] Securities Contract Act and the Companies Act.”

The regulator added that only legally recognized stock exchanges can serve as electronic platforms for corporate securities to be listed and traded.

In response, at least one founder of these platforms, Termsheet’s Vivek Durai, said the government needs to support initiatives to help startups.

“If the Modi government is serious about startups, it should ensure that new businesses raising capital or platforms helping them to raise funds are not harassed,” the executive said.

India’s questioning of the legality of such marketplaces may reflect broader sentiment among regulators throughout the world that are beginning to examine the alternative lending industry.

In the U.S., for example, Regulation A+ has come into effect under Title IV of the JOBS Act. The regulation sees the Securities and Exchange Commission allow companies to raise up to $50 million via “mini-IPOs” and allows average individuals to invest in companies and buy into equity stakes.

But U.S. regulators, including the Federal Reserve, are also beginning to look at regulations to heighten control and oversight of the alternative lending space, though potential legislation would be separate from investment activity under Regulation A+.


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