最有看点的互联网金融门户

最有看点的互联网金融门户
全新的互联网金融模式国际资讯监管与政策

印度央行再发两张P2P借贷平台许可

全新的互联网金融模式国际资讯监管与政策

印度央行再发两张P2P借贷平台许可

2019年新年伊始,印度储备银行(后文简称RBI)再次颁发了两张非银金融机构(NBFC)许可。

本次获得许可的两家创企均来自P2P行业,总部也同样位于孟买。

第一家创企名叫RupeeCircle,2017年开始提供P2P借贷服务,目前已累计发放贷款560多笔,平台注册借款人1.2万名,资金出贷方1000多个。

另外一家创企名叫IndiaMoneyMart,同样也是2017年开始进军P2P借贷市场,该公司曾先后获得Mahindra Finance、甲骨文全球创业生态系统等公司总额5500万卢比的种子轮融资支持。据统计,自成立以来,IndiaMoneyMart已经累计向用户发放了2000万卢比的贷款,平台注册借款人 超过5000人。

2018年,RBI共累计向11家P2P借贷机构发布了运营许可。值得注意的是,这个许可只允许平台提供中介信息服务,而不允许平台通过自己的账簿进行贷款。根据RBI规定,要通过自有平台进行借贷的机构需要申请另外一个NBFC许可,借贷双方可进行操作的资金上限可能也只有100万卢比。

1月1日,印度《经济时报》曾撰文指出,未来一年印度P2P借贷创企可能因为种种限制而无法获得大量的风险投资。为维持本行业发展动力,目前印度P2P业界人士正在积极游说该国央行放宽贷款,尤其是贷方出借资金上限。

 

Two more fintech players have got the NBFC license from the Reserve Bank of India to operate as peer to peer lending platforms. One is RupeeCircle and the other is IndiaMoneyMart, both based out of Mumbai. With this licence the two entities join the list of 11 P2P lending platforms which were registered by the central bank last year.

India Money Mart which was a digital lending marketplace entered the P2P lending business in 2017. The company since then has disbursed more than 560 loans and has 12000 registered borrowers. It also counts more than 1000 lenders on its platform.

RupeeCirlcle which started operations in 2017 has already disbursed Rs 2 crore of loans to underbanked individuals and has registered more than 5000 borrowers on the platform already.

The platform is backed by Mahindra Finance, Oracle Global Startup Ecosystem and others who invested Rs 5.5 crore in a seed round into the company.

With a P2P lending licence platforms can connect individual borrowers with lenders but cannot disburse loans from its own books. The platforms are licensed as a separate category of NBFC and are expected to restrict its lenders and borrowers to a cap of Rs 10 lakh of total exposure in the space.

ET had written in its January 1 edition, that P2P lending startups are not being able to attract VC funding mainly because of the limit and has been lobbying hard with the central bank hoping to get the cap loosened for lenders at the very least.

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