- 确保投资者获得有关潜在投资的清晰准确的信息, 并了解所涉及的风险;
FCA表示："平台并不总是向投资者告知其投资的真实性质和风险......许多 P2P 平台都在 "强调投资的积极性质, 同时未能以适当的风险解释来平衡这一点" ，同时还在"创造一种稀缺感, 可能鼓励投资者采取行动"。
该机构还表示, P2P 平台应提供更多有关借款人在其平台上的信誉的信息, 并采取额外步骤, 在发生问题时保护投资者。在借款人违约的情况下, 为投资者提供的应急资金, 也可能使客户陷入 "虚假的安全感"。这种基金的市场营销可能误导投资者, 认为他们的回报在没有得到保证的情况下是有保障的。
The UK Financial Conduct Authority (FCA) has issued its recommendations for changes to P2P lending regulations for loan-based crowdfunding platforms. Based on the FCA’s findings it invites responses to rule changes for loan-based firms which cover proposals to:
- ensure investors receive clear and accurate information about a potential investment and understand the risks involved;
- ensure investors are adequately remunerated for the risk they are taking;
- provide transparent and robust systems for assessing the risk, value and price of loans, and fair/transparent charges to investors; and
- promote good governance and orderly business practices.
“Platforms do not always communicate to investors the true nature and risk of the investment they will be exposed to,” the FCA said. Many P2P platforms were “emphasising the positive nature of investments while failing to balance this out with appropriate explanation of risks” and “creating a sense of scarcity that might encourage investors to act impulsively”. It also said P2P platforms should offer more information about the creditworthiness of the borrowers on their platforms, and take extra steps to protect investors in the event of a collapse. Customers might also be lulled into a “false sense of security” by the availability of contingency funds designed to top-up payments to investors when borrowers default. The marketing of such funds could be misleading investors into thinking their returns were guaranteed when they were not.
Comments are requested by 27 October 2018 and the FCA aims to publish rules in a policy statement later in 2018.