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印度出台P2P借贷新规

本月初,印度储备银行(The Reserve Bank of India,RBI)针对非银行金融企业(即P2P借贷方)颁布" 总方针"。RBI上月就曾表示P2P借贷企业将不被视作银行组织。该政府指令官方名称为《2017非银行金融企业-P2P借贷平台(储备银行)方针》(Non-Banking Financial Company - Peer to Peer Lending Platform (Reserve Bank) Directions, 2017)。

非银行金融企业-P2P借贷平台(NBFC-P2P)需从银行处取得注册执照方可营业。所有现有及拟成立NBFC-P2P均需在孟买储备银行处申请注册。指令发布后为现有NBFC-P2P企业留有3隔越申请注册时间。

按照新规要求,P2P借贷机构需满足以下等条件:

a. 企业在印组建;

b. 企业具备提供此类服务必备的技术、企业与管理资源;

c. 企业需有运营P2P平台足够的资本结构;

d. 企业创始人与主管人员需称职;

e. 企业总体管理特质需不损害公共利益;

f. 企业提交或执行稳健安全的信息技术体系;

g. 企业提交运营P2P平台可行计划;

h. 授予注册许可后应为公共利益服务;

i. 储备银行认为,隐含列出其他条件,企业加以满足,对保证在印开展此类业务而不损害公共利益十分必要。

至关重要的是,P2P借贷机构不可:

1.保有存款

2.进行任何信用担保

3.自行借贷

4.准予跨国资金流动

5.所有贷方授予借方总贷款上限为100万卢比。单个贷款机构借给个人借款人贷款额不应超过50000卢比。

 

The Reserve Bank of India (RBI) is out with "Master Directions" regarding non-banking financial companies or peer to peer lenders. RBI indicated last month P2P lenders would not be considered banks. The governmental directive is officially known as the "Non-Banking Financial Company - Peer to Peer Lending Platform (Reserve Bank) Directions, 2017."

These NBFC-P2P firms will need to obtain a Certificate of Registration (CoR) from Bank to be able to operate. Every existing and aspiring NBFC-P2P will need to complete an application for registration to the Department of Non-Banking Regulation, Mumbai of the Bank. Existing NBFC-P2Ps have three months from the issuance of these Directions to apply.

The following conditions, among others, must be fulfilled by P2P lenders:

a. The company is incorporated in India;

b. The company has the necessary technological, entrepreneurial and managerial resources to offer such services to the participants;

c. The company has the adequate capital structure to undertake the business of Peer to Peer Lending Platform;

d. The promoters and the Directors of the company are fit and proper;

a. The general character of the management of the company is not prejudicial to the public interest;

b. The company has submitted a plan for, or implemented, a robust and secure Information Technology system;

c. The company has submitted a viable business plan for conducting the business of Peer to Peer Lending Platform;

d. Public interest shall be served by the grant of CoR;

e. Any other condition as may be specified by the Bank, fulfillment of which, in the opinion of the Bank, is necessary to ensure that the commencement of or carrying on the business in India shall not be prejudicial to the public interest.

Importantly, P2P lenders are not allowed to:

1. Hold deposits

2. provide any credit guarantees

3. Lend on its own

4. Not permit international flow of funds

5. Aggregate exposure of a lender to all borrowers is subject to a 10 Lakh cap. Exposure by a single lender to a single borrower may not exceed R 50,000.


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