本报记者 陈莹莹

Our reporter ChenYingYing

　　实习记者 徐文擎

Internship reporter XuWen the qing

　　央行原副行长、全国人大财经委员会副主任委员吴晓灵近日表示，应谨慎探索目前流行的网络“人人贷”模式，谨防其变成非法集资，危害社会公共安全。但她同时认为，小额信贷作为微金融的主要领域，应当通过放权自主核销坏账、临时性优惠政策制度化等方式予以鼓励。

Former vice governor of the central bank/The financial committee of the National People's Congress vice director of WuXiaoLing said recently,Should be careful to explore the current network"Everyone credit"mode,Beware of its become illegal financing,Harm social public security.But she also think,Microfinance as micro financial major areas,Should be through the decentralization independent verification bad debt/Temporary preferential policies to encourage institutionalized, etc.

　　吴晓灵指出，贷款中介的标志，是借贷双方直接签约。但一些网络借贷平台比较典型的做法是，中介公司以自然人名义把贷款卖出去，同时承诺在一定时期内还本付息，风险由自己承担，加上借款人也是自然人，这样从法律来看就是两个自然人的合约。而这种模式，恰恰是最高法院对于非法集资的定义，因此对于目前流行的网络“人人贷”模式，应当谨慎探索，谨防变成非法集资，危害社会。

WuXiaoLing pointed out that,Loan intermediary mark,Both parties sign is lending directly.But some network lending platform, is a typical way is,Intermediary company in the name of a natural person the loan to sell out,At the same time commitment in a certain period of repayment of capital and interest,Risk will be borne by herself,Add the borrower is a natural person,So from the legal to see is the two natural person contract.And this model,Just is the Supreme Court for the definition of raising funds illegally,So for the present popular network"Everyone credit"mode,Should be careful to explore,Beware of become illegal financing,Harm social.

　　她认为，发展小额贷款是为了促进普惠金融，让更多人尤其是中低收入人群在需要的时候更方便、有尊严地享受高质量的贷款，但网络小贷公司必须紧守三条“红线”，即不变相吸收公众存款、不发放大额贷款以及不暴力收贷。

She thinks,Developing small loan is in order to promote the financial pratt &whitney,Let more people especially in low-income people in need more convenient/With dignity and enjoy high quality loans,But network small loan companies must hold tightly to three"Red line",That is not disguised absorbing public savings/Do not give away the large amount of loan and ShouDai violence.

　　网络借贷平台近年来成为资本界关注的对象，但2011年7月，随着号称“中国最严谨网络借贷平台”哈哈贷的暂时关闭以寻求“更长远、更规范、更科学”的管理模式，人人贷的风险开始引起人们的注意。去年8月25日，银监会印发《中国银监会办公厅关于人人贷有关风险提示的通知》（银监办发[2011]254号）文件，要求银行业金融机构建立与人人贷中介公司之间的“防火墙”，严防人人贷中介公司帮助放款人从银行获取资金后用于民间借贷。

Network lending platform in recent years become the focus of world capital,But in July 2011,With the so-called"China's most rigorous network lending platform"Ha ha credit to seek temporary closed"More long-term/More standardized/More scientific"Management mode,Everyone credit risk began to draw people's attention.Last August 25,,Issued by the banking regulatory commission (CBRC)[General office of the CBRC on all relevant credit risk prompt notice](Prison silver hair [2011] no. 254)file,Require the banking institutions to establish and everyone credit intermediary company between"firewall",Take strict precautions against everyone credit intermediary company help loan from the bank after access to funds for folk loan.