每日经济新闻(博客,微博)记者 邓莉苹 发自深圳

Daily economic news(blog,Micro bo)Reporter DengLiPing from shenzhen

　　日前，深圳融资城电子商务有限公司（以下简称深圳融资城）发布消息称，发现旗下已经融资完成的融资包项目在另外一家网络借贷平台温州51融资城上面出现，而该项目的融资方也表示并未在其他地方发布融资信息。

a，Shenzhen city financing electronic business co., LTD（Hereinafter referred to as "shenzhen city financing）announced，Find its financing has been completed financing package project in another network lending platform wenzhou 51 financing city appears above，The purpose RongZiFang also said did not release information in other places financing。

　　温州51融资城所在的温州金融改革广场相关管理单位温州市国投集团相关人士回应 《每日经济新闻》记者称，目前，该网站还在筹建阶段，系统仍然在测试中，目前已经将不属于该公司的项目撤下。

Wenzhou city 51 financing in wenzhou financial reform square related management unit wenzhou international trust &investment group relevant personage response 《Daily economic news》Reporters said，At present，This site is still in preparation，The system is still in testing，Now will not belong to the company's project is removed。

　　这起事件的背后，则是网络借贷平台在数量上的迅速壮大。一家网贷公司负责人称，最近一年增加特别多，基本上每个星期都有新的出现。

The incident behind，Is network lending platform in the quantity of the rapid growth。A net credit company is in charge of person，A recent years increase much more special，Basically every week all have new appear。

　　

融资项目被山寨？ Project financing is the stronghold？

　　据深圳融资城资讯中心总经理孙宝剑介绍，2012年8月9日，融资城深圳总部突然在网络上发现一组关于“融资城”的照片。经过全公司查询核实，深圳融资城从来没有开展过类似的活动。

According to the shenzhen financing city information center general manager SunBaoJian is introduced，On August 9, 2012，Financing city shenzhen headquarters suddenly found on the web about a group“Financing city”photos。Through the company inquires the verification，Shenzhen city financing has never conducted similar activities。

　　孙宝剑称，深圳融资城方面发现一个网址为www.51rz.com（温州51融资城）的网站上，融资包投资项目“防水材料销售横琴隧道项目”显示，“已经有15人购买团购已成功，还可以继续购买。”而这个项目是深圳融资城珠海分公司的融资包项目，最近一期项目融资已经于2012年7月4日结束。而进一步搜索发现还有其他几个项目和相关信息原封不动地出现在该网站上。

SunBaoJian says，Shenzhen city financing were found a web site for www.51rz.com（Wenzhou city 51 financing）website，Financing package investment projects“Waterproof materials sales hengqin tunnel project”display，“Have 15 people buy a bulk has been successfully，Still can continue to buy。”And this project is the shenzhen financing city zhuhai branch of the project financing package，The latest issue of the project financing has been in July 4, 2012 end。And further search found that there are other several projects and related information intact to appear in the site。

　　而同样在温州51融资城网站上发布的吉利汽车销售 （华南地区）项目显示，该项目已经有12人购买，还可以继续购买。但是吉利汽车项目的管理方珠海众泰汽车贸易有限公司负责人表示，该网站上的发布的吉利汽车销售（华南地区）7期项目早已经融资完成，他也从未在该网站上发布过类似的消息。

And also in wenzhou city 51 financing posted on the website of the geely automobile sales （South China）Project shows that，The project has 12 people buy，Still can continue to buy。But geely automobile project management zhuhai all the Thai car trade co., LTD., officials say，The site's release of geely automobile sales（South China）7 period project financing is already finished，He also had never been in this website a similar message。

　　深圳融资城总裁助理王连林质疑，既然该网站上的上述融资项目涉嫌造假，那么投资者是如何购买成功的？投资者的钱打进了哪里的账户？

Shenzhen financing city assistant President WangLianLin questioned，Since the site of the project financing suspected of cheating，Investors is how to buy success？Investors money scored where the account？

　　

回应称为网站测试 Response called web site test

　　记者登录温州51融资城网站发现，确实有该项目存在，且显示已有人购买成功，但记者根据项目旁边的电话多次致电该公司，均无人接听。

Reporter login wenzhou 51 financing city site found，Do have the project existence，And display has been to buy success，But the reporter according to the project next to the telephone call the company many times，Are no one answer。

　　资料显示，温州51融资城（温州国投金融信息服务有限公司）是在8月8日温州金融改革广场开幕当天入驻的机构之一，温州金融改革广场由温州国投集团筹建并主办，其作为温州金融改革重点项目，获得省委和市委的热切关注。

Data shows，Wenzhou city 51 financing（Wenzhou international trust &investment financial information service co., LTD）On August 8, is wenzhou financial reform square opening day in one of the institutions，Wenzhou financial reform square by wenzhou international trust &investment group preparation and host，As a key project of wenzhou financial reform，Get provincial party committee and the municipal party committee eager concern。

　　据温州国投集团相关人士表示，该企业网站目前还在测试，网站还属于试运行，还没有做具体业务，目前这些项目已经全部撤销。

According to wenzhou international trust &investment group relevant personage says，This enterprise website is currently still in the test，Site also belongs to the commissioning，Still do not have specific business，At present, these projects have all revoked。

　　记者随后再次登录温州51融资城网站，发现融资项目确实减少了很多，原来被质疑的几个项目也已撤销。

Reporter then login again wenzhou 51 financing city website，Find financing project really reduce a lot，The original was questioned several projects has been revoked。

　

　网贷发展隐忧 Net credit worries development

　　“最近一年增加特别多，基本上每个星期都有新增加。”网贷之家创始人徐红伟谈到，“目前的情况来看，借贷双方需要这样一个融资平台。”

“A recent years increase much more special，Basically every week all have new increase。”Net credit home founder XuGongWei talked about，“To the current situation，Borrowing both sides need such a financing platform。”

　　在网贷平台蓬勃发展的同时，风险也随之而来。今年6月，上海的网络借贷平台“淘金贷”开办不到一周老板就跑路，据悉，涉案资金可能达到100万元左右。

In the net credit platform vigorous development at the same time，Risk is followed。In June this year，Shanghai network lending platform“Gold credit”The boss set up less than a week ran road，It is reported，Involved in capital could reach 1 million yuan。

　　“目前创办网络借贷平台基本没有什么门槛”，徐红伟表示，个人都可以创办一个网贷平台，也没有什么注册资金的要求，目前主要就是缺乏监管。

“At present the network platform established lending basic no threshold”，XuGongWei said，Individuals can start a net credit platform，No registered capital requirements，At present the main is lack of supervision。

　　红岭创投总经理周世平此前也曾经表示，这个行业面临的首要问题是注册资金制度的缺失。工商局对很多行业都设置有注册资金门槛，但是对网络借贷平台却没有。另外，在部分地区，相关部门对注册资金基本上没有抽查，所以很容易出现虚假注资，网站赔付能力自然就很差。

Red hill vc general manager ZhouShiPing previously also had said，The industry is the top issue facing the registered capital of the lack of the system。Industrial and commercial bureau for many industries have set up a registered capital of threshold，But for network lending platform but no。In addition，In some areas，Related departments to the registered capital of basically do not have selective examination，So it is easy to appear false capital injection，Website compensation ability nature is very poor。

　　网络借贷平台的资金安全也是一个问题，一般的操作方法是，投资人将资金打入借贷平台的账户，借贷平台再将资金转给借款人。而这个过程当中，如果没有严格的规范，网贷平台有支配资金的可能。

Network lending platform capital safety is also a problem，The general method of operation is，Investors put money into the lending platform account，Lending platform to put money to borrowers。And this process，If there is no strict regulations，Net credit platform dominant capital may。

　　“目前主要还是靠行业自律，没有一个监管机构来进行监管。”徐红伟表示。

“At present the main or an industry self-discipline，Not a regulatory agencies to carry out supervision。”XuGongWei said。

　　周世平表示，一般的交易过程是供需双方确定要做交易后，投资者通过第三方支付平台或者银行充钱进来，资金在第二日流向借款人，“以红岭创投为例，平均一天沉淀的资金在300万元左右。”

ZhouShiPing said，General trading process is supply and demand both sides sure you want to do after the deal，Investors through the third party payment platform or bank money coming in charge，Funds in the second day to the borrower，“With red hill venture as an example，A day on average precipitation funds in 3 million yuan or so。”

　　“这是客户的钱，网贷平台是不能挪用的，但是目前在法律和监管上都是空白。我希望法律上对这方面能有规范，能够对投资人的资金保护得更好。”周世平称。

“This is customer's money，Net credit platform is not misappropriate the，But at present in law and regulation is blank。I hope the law in this respect can have a standard，Be able to protect investors money better。”ZhouShiPing says。